If you are:
1/ An experienced landlord
2/ Can afford a 30% deposit
3/ Want to buy a Buy-to-Let property that needs some work
Then it may be possible to get over half the deposit back once a bit of redecorating work has been done as well as recoup some of the cost of the redecorating.
There is a mortgage product available known [...]

There has been some news about this in the past but I have now experienced the affects of Japanese Knotweed on a mortgage application first hand so I can now add to the melting pot.
My client had found a house they wanted, we put their application in, the mortgage lender contracted a surveyor to value [...]

Now a millionaire doesn’t necessarily have to have £1 million in the bank. It’s possible to be considered a millionaire if you own assets like a house/yacht/racehorse that are worth a million or so.
Owning a house worth £1 million or more with a mortgage of £750,000 doesn’t technically make you a millionaire until the mortgage [...]

……..and, they’re gone. HIPs are no longer required when selling a house.
Did they make much difference while they were around? It’s possible a number of houses remain unsold due to a poor energy rating (although the hole in the roof was obvious) and they will stay that way because Energy Performance Certificates are still required.
EPC’s were [...]

For many years a multiple of earnings has been considered a way to gauge how much a mortgage lender will lend.
For example, if a mortgage lender suggests they would lend 5x income, someone with a £10,000 salary would be able to borrow £50,000.
In some instances this is still partly the case but to safeguard against [...]

Typically, self employed people wishing to obtain a mortgage require at least 2 years worth of accounts or, very solid business projections with an accountant’s letter or certificate.
Small business owners who are the only director of their limited company are also considered self employed for mortgage purposes.
Historically, to calculate how much an applicant can afford, [...]

I wasn’t going to write this as its after 8pm on a Friday and I really should pack up for the day but as I went to shut down I went to close the website I was researching and thought, what the hell.
Over the last few months, fixed mortgage rates have been gradually creeping down [...]

In what has been described as a “landmark” ruling by newspaper The Mail, a judge has awarded damages of over £130,000 to a property developer after an unnamed buy-to-let investor pulled out of a deal to buy two flats in a Plymouth city centre new-build.
The 122-unit development has been plagued with troubles since the onset [...]

Although 100% mortgage lending for first time buyers is either a log way away from ever happening again or will never happen again, 90% mortgages have typically been considered the route to home ownership for many.
Despite the existence of 90% mortgages the number of options have been greatly reduced by the financial crisis, partly due to [...]

Everybody loves a good crisis. People tend to confabulate, conflate, deliberate and speculate as things develop and numerous points of view emerge.
The current house price crash is no different.
It is without doubt a crisis and there are a variety of opinions on the future of house prices.
The general feeling is that prices will continue to fall and there [...]