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Expat Mortgages: A Guide for British Nationals Living Abroad If you’ve moved overseas for work, retirement, or simply a change of scenery, keeping a foothold in the UK property market often stays on the agenda, whether that’s a home to return to one day, a place for family to live in while you’re away, or…
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Non Resident Buy to Let Mortgages: A Guide for Landlords Living Overseas Owning UK rental property while living abroad is more common than many people realise. You might be a British national who’s relocated for work, a former UK resident who’s since emigrated, or someone who’s never lived in the UK at all but sees…
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Limited Company Buy to Let Mortgages: Is It Right for You? More and more landlords are buying rental property through a limited company rather than in their own name. Tax changes over recent years have made this route increasingly popular, but a limited company buy to let mortgage is not simply the same application with…
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HMO Mortgages Explained: What Landlords Need to Know Before Buying or Converting Houses in multiple occupation, better known as HMOs, can be one of the most profitable corners of the buy to let market, with several tenants paying rent on individual rooms rather than one household renting the whole property. But an HMO is not…
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Company Director Retained Profit Mortgage: Can You Borrow Against Money Left in the Business? If you run your own limited company, you probably already know that a standard mortgage application, built around salary and dividends, doesn’t always reflect what your business actually earns. Many directors deliberately leave profit inside the company rather than drawing it…
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If you earn money outside the UK and have foreign income, whether that is a salary paid overseas, rental income from a property abroad, a pension from a previous posting, or self employment income in another currency, you might assume a UK mortgage is out of reach. It isn’t, but it does take more planning…
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Buying your first home is a huge milestone. It’s exciting, a little daunting, and full of decisions that can feel unfamiliar if you’ve never done it before. Here’s a clear, step by step guide to help you move through the process with confidence. Step 1: Work Out What You Can Afford Before you start browsing…
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Being a First Time Buyer and buying your first home is exciting, but it’s also one of the biggest financial decisions you’ll make. A good mortgage broker doesn’t just find you a deal, they can genuinely save you money and steer you away from costly mistakes along the way. Here’s how. 1. Access to a…
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Being a first time buyer means facing a wall of unfamiliar terms, and the mortgage itself is often the most confusing part. Here’s a plain English rundown of the seven main types you’re likely to come across, what each one means in practice, and who tends to suit each one. 1. Fixed Rate Mortgages Your…
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More and more landlords are buying rental property through a limited company rather than in their own name. If you’re weighing up the two routes, here’s what actually matters. What Is a Limited Company Buy to Let Mortgage? A limited company buy to let mortgage lets you purchase or remortgage a rental property through a…
