Buy to Lets and Tax / Stamp Duty

This is a relatively short post about the current tax and stamp duty rules for Buy to lets and secod properties and the impending changes over the next 3-4 years. I recently came across a

Mortgages, Brokers and Terminology

I am sure we are all guilty of using terms, phrases and initials for various things in our working lives and Mortgage Brokers are no different. I thought it would be a useful post to

How to find a good Mortgage Broker

This is a tricky one, it would be very easy to say call us (we will get to that, but for the purposes of this post we will try to be unbiased). How do you

Mortgage Success Youtube Channel

We have just put together a Youtube Channel. Its a little scarce ar the minute, but we do plan to upload some more Videos to the site to hopefully help answer some of the more

Mortgages & Defaults or CCJs

Can I get a Mortgage if I have had a Default or CCJ? This is a question we get asked a lot. As you can see on our Mortgage Success stories page, defaults in themselves

My Credit Score and applying for a Mortgage

There are a few things to know when it comes to your Credit Score. The first is that there is  no “credit score”. There are 3 different credit agencies, they give you a score which

Self Employed

Applying for a Mortgage being self employed is not as straight forward as it is for someone employed. There are many different methods for calculating how much you can lend all of which will have

Self Assessments & SA302

Self Employed Mortgage Applicants, this includes sole traders and typically Directors of companies with around 25% or more shareholding in a company have their income assessed differently to those who are employed. Where as employed

Home of Multiple Occupation (HMO) Mortgages

Home of Multiple Occupation otherwise known as HMOs What are they? They are properties typically let to more than one person/family. A good example would be a property let out to students. Generally speaking, the

Bad Credit Mortgages

What is a Bad Credit Mortgage? Bad Credit Mortgages (also known as Adverse Mortgages) vary massively from lender to lender. In the main, there are 4 types of adverse: Late/Missed payments, Defaults/CCJs, Debt Management Plans