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I have organised mortgages on several ‘pied a terre’ or homes used for holiday purposes or properties lived in by a family relation in recent months.  I tend to group all of these situations under the second homes mortgage banner.   Mortgages on 2nd homes have increased to 90% LTV, where income multiples or affordability calculations can be used, hence…

Lending to those employed by sole or dual sources continues to be strong, a 12 month contracting history is required, if you have switched employers during this period but have been working in the same industry/similar role dont worry this is fine. Expect to have to confirm details of your current contact, if you work on…

The majority of UK lenders now entertain mortgage applications for second home purposes.  The range of lenders involved in the market now gives decent scope for price, product features and importantly lending criteria. Probably best to give me a call early on with this enquiry, gives some thought to your annual salary or if you…

I am able to lend up to 75% of the value of property based on just 1 years accounts.  This has been important for those clients who have recently started their own business, or who are switching from sole trader to partnership or limited company status.  The general rule among lenders is that the accounts being used should be…

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