Case Study: A £93,000 Difference in Borrowing – Why the Right Advice Matters for Self-Employed Buyers Many self-employed buyers assume that once they've been told how much they can borrow, that's the end of the story. In reality, borrowing capacity can vary...
The Risk of Having a Shareholder Agreement Without Shareholder Protection Insurance Many business owners have taken sensible legal advice and put a shareholder agreement in place. Some have also gone a step further and signed a cross option agreement. At first glance,...
Case Study - What Should I Think About Before My Current Mortgage Deal Ends? If your current mortgage deal is due to end soon, it’s important to plan ahead. Waiting until the last minute could mean rolling onto your lender’s Standard Variable Rate (SVR), which...
Interest Only Mortgages: Why 2032 Could Be a Turning Point for Thousands of Homeowners Many homeowners with interest only mortgages are facing a challenge they may not have thought about for years. The challenge isn't the monthly payment. It's what happens when the...
When an Interest Only Mortgage Ends: Why Equity Release Isn't Always the Answer Many homeowners approaching the end of an interest only mortgage assume they have only two choices: Repay the mortgage in full Take out a lifetime mortgage (equity release) Sometimes a...
What is Shareholder Protection and Why Does It Matter? Many business owners spend years building a successful company with fellow shareholders. They invest time, money and effort into growing the business, supporting staff and looking after clients. What is often...
The Business Owner Who Thought He'd Get £126k of Borrowing, but Got £292k Many business owners try to work out mortgage affordability themselves before speaking to a mortgage adviser. On the face of it, that seems perfectly reasonable. If business profits increase,...
Should I Use a Limited Company for a Rental Property? When turning your home into a rental or buying a property to let, one of the biggest questions landlords face is whether to hold the property in their own name or through a limited company. Both routes can work,...
Company Director Mortgages: Why Your Income Isn’t Always What Lenders See Arranging a mortgage as a Company Director can be frustrating. Your income can look strong, but the borrowing offered doesn’t reflect it. You might feel like you’re doing everything right. Your...
Bank of Mum and Dad: Depositing Savings to Support a Mortgage For many parents, helping their children onto the property ladder is a priority. However, not everyone wants to give away their savings permanently. One alternative that some lenders now offer is a linked...
Bank of Mum and Dad - Regulated Buy to Let Many parents look at buying a property for their child to live in. On the surface, it can feel like a straightforward solution. Buy a property, let the child live there, and support them without needing to gift large sums of...
Bank of Mum and Dad - Family Loans Many parents want to help their children buy a home. Not all of them are comfortable giving money away. For some, the funds being used still form part of their wider financial plan. They may be earmarked for retirement, future...
Bank of Mum and Dad - Regulated Buy to Let Many parents look at buying a property for their child to live in. On the surface, it can feel like a straightforward solution. Buy a property, let the child live there, and support them without needing to gift large sums of...
Bank of Mum and Dad - Family Concessionary Purchase Many families want to help the next generation get onto the property ladder. Not all support needs to come in the form of cash. In some cases, the solution sits within property itself. This is where concessionary...
Bank of Mum and Dad - Cross Charging Many parents want to help their children buy a home. Not all of them want to give away savings to do it. For some, the challenge is not a lack of wealth, but where that wealth sits. It may be tied up in property rather than...
Bank of Mum and Dad - Savings Linked Mortgages Many clients want to help their children onto the property ladder. Not all of them are comfortable giving away large sums of money to do it. This is where conversations often stall. There is a clear intention to help, but...
Case Study - What Should I Think About Before My Current Mortgage Deal Ends? If your current mortgage deal is due to end soon, it’s important to plan ahead. Waiting until the last minute could mean rolling onto your lender’s Standard Variable Rate (SVR), which...
Bank of Mum and Dad: Remortgaging and Equity Release Explained Parents who want to help their children buy a home often look at ways to access capital from their own property. For many, this means either remortgaging or using equity release. Both routes can work well...
