When Income and Tax Planning Clash with Mortgage Affordability If you’re a company director or small business owner going through a major life event—like a divorce—you may already have enough on your plate without your mortgage options adding to the stress. In this...
Using a Lifetime Mortgage to Support Family Without Jeopardising Your Future For homeowners in later life, the desire to help family—particularly during times of need—can be powerful. However, when your wealth is tied up in your home and your income is limited, it may...
Lifetime Mortgage Myth 6: It’s an Expensive Way to Borrow When people hear the term “Lifetime Mortgage,” one of the first thoughts that often comes to mind is: “It’s too expensive.” It’s a fair concern—after all, we’re talking about borrowing money against your home....
Case Study - Sole Trader to Limited Company Mortgage Second Opinion Saves the Day: From Delays to Dream Home Can you get a mortgage with just one year’s accounts? What if you've moved from being a sole trader to a limited company? If you’ve recently switched, you...
Business Protection for Small Companies Why Business Protection Isn’t Just for Big Companies When it comes to business protection, one of the most common misconceptions we hear is: “Business protection is only for large companies.” It’s easy to see why. Big firms have...
Lifetime Mortgage Myth : There Won’t Be Anything to Leave Loved Ones When people think about lifetime mortgages, one of the biggest fears we hear is: “If I take one out, I’ll have nothing left to pass on to my family.” It’s an understandable concern. But it’s also one...
How much can I borrow as a Company Director? Arranging a mortgage as a Company Director can be challenging, especially when it comes to affordability. Being a Business Owner doesn’t necessarily mean that you won’t get a mortgage. However, you may find that what you...
Can you Release Equity If You Already Have a Mortgage? One of the most common misconceptions about lifetime mortgages is that you can’t release equity if you still have a mortgage on your home. This simply isn’t true. In fact, many homeowners take out a lifetime...
What Income Is Used with One Year’s Accounts? If you’re self-employed and only have one year’s accounts, it’s natural to wonder what income lenders will use to assess your mortgage affordability. The good news is that it may be possible to secure a mortgage—even with...
Monthly Payments with Lifetime Mortgages A common myth is that you have to make monthly payments with lifetime mortgages —or let the interest roll up forever. This simply isn't true. In fact, one of the key benefits of modern Lifetime Mortgages is their flexibility....
Negative Equity and Lifetime Mortgages If you’re considering a lifetime mortgage, you’ve probably heard this one before: “It’s risky. You’ll end up owing more than your house is worth.” It’s a common concern—and understandably so. Nobody wants to leave their loved...
10 Myths About Business Protection Insurance Business protection is one of those things many clients know they should do something about… but often put off. Sometimes it’s because they don’t know where to start. Other times it’s because they’re relying on some...
Do You Lose Ownership of Your Home with a Lifetime Mortgage? For many homeowners considering 'equity release', one of the biggest concerns is the belief that taking out a lifetime mortgage means losing ownership of their home. This misconception often leads to...
Common Myths About Lifetime Mortgages Lifetime mortgages are an increasingly popular way for homeowners over 55 to access the wealth tied up in their homes without needing to move. However, despite their benefits, common myths about lifetime mortgages often cause...
Can Employer Pension Contributions Affect Mortgage Affordability? As a business owner, managing tax efficiency is a key part of financial planning. Whether it's using company profits instead of dividends to secure a mortgage or making employer pension contributions,...
Introduction – Day Rate Contractor Mortgages Securing a mortgage as a day rate contractor can present unique challenges compared to traditional employees. While there’s no specific ‘contractor mortgage,’ some lenders have criteria that is better for contractors who...
What is a Retirement Interest Only Mortgage? Retirement interest-only mortgages (RIOs) offer a flexible financial solution for people looking to take our a mortgage in retirement. They often serve as an alternative to lifetime mortgages, commonly referred to as equity...
Can I get a mortgage with one year's accounts? Self-Employed people, (including those who own more than 20% shares in a Limited Company) often worry that they will find it more difficult to get a mortgage. This is especially the case when looking to get a mortgage...
