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Tel. 0333 772 1276
Email. [email protected]
Basepoint Business Centre
377-399 London Road
Camberley
Surrey
GU15 3HL
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Latest News & Resources
Is Later Life Lending The Right Approach?
This is the most important question. Usually this comes down to considering some key points – Your individual circumstances, plans and objectives Considering alternative options (i.e. other assets, scaling down) Loan amount required & purpose Whether a Lump sum,...
What is the minimum deposit required for a contractor mortgage?
Currently, the minimum deposit stipulated stands at five percent. However, opting for a 10% or 15% deposit unlocks broader options and potentially more favorable rates and fees. An important aspect to note is that with a five percent deposit, lenders typically impose...
What deposit amount is required for a Limited Company Director Mortgage?
While the minimum deposit for a home is typically 5%, securing a favorable deal hinges on having an excellent credit rating. The greater your deposit contribution, the broader your selection of lenders, the more favorable the interest rates, and the lower your monthly...
How do mortgages for company directors work?
In essence, mortgages for company directors operate much like any other mortgage application. A successful application demonstrates alignment with the lenders' risk criteria and the ability to manage repayments. The intricacies emerge from the fact that many lenders,...
Which professions qualify for Professional Mortgages?
Examples of Professions that mortgage lenders consider include : Accountants Solicitors Financial Advisers Doctors Dentists Barristers Architects Vets Additionally, certain groups such as graduates, higher earners, business executives, investment bankers, and...
Why Consider Later Life Lending?
There are many reasons why you may consider later life lending such as – Being a viable alternative to using other assets Supplementing retirement income Holidays, cars and home improvements Gifting money to family Repaying an interest only mortgage Restructuring...
As a Limited Company Director, can I secure a mortgage?
If your company has been operating for at least a year and is profitable, obtaining a mortgage should be relatively straightforward. However, if your company is relatively new, securing a mortgage might pose more challenges. One of the main hurdles for Limited...
Are there special mortgages for contractors?
While there aren't mortgages exclusively designated for contractors, certain lenders offer criteria that are particularly advantageous for this group. For instance, some lenders may assess your daily rate instead of solely considering salary, dividends, or profits...
How Are Equity Release Mortgages Working During COVID-19 Lockdown?
It’s encouraging to see how lenders and solicitors have evolved their processes around Equity Release during the COVID-19 Lockdown. Initially, there were challenges around remote working. Then there were challenges around property valuations and independent legal...