Category: Buy To Let

• What Is a Down Valuation and How Does It Affect Your Mortgage?

  

  Learn what a down valuation is, why it happens, and how it affects your mortgage or remortgage options. Expert insights from Emily’s Mortgage Services to help you navigate UK property valuations with confidence

  Emilyjfranks12

  11th November 2025

  Buy To Let, First Time Buyers, Mortgage Tips

  Home Buying Guide, Mortgage News, Saving for a Home, Tips for Homebuyers

• Limited Company Buy To Let and SPV’s

  Limited company buy-to-let mortgages are tailored for property investors who choose to purchase and manage rental properties through a limited company rather than in their personal name. This structure has gained popularity in recent years, particularly among higher-rate taxpayers, due to its potential tax benefits and increased flexibility for managing property portfolios. Key Features of…

  Emilyjfranks12

  30th June 2025

  Buy To Let, investing, Property Investment

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• Specialist Buy To Let…Holiday Lets!

  Today we are covering holiday lets and Airbnb Holiday let mortgages are designed for properties rented out on a short-term basis to holidaymakers rather than long-term tenants. These properties are typically located in tourist hotspots, such as coastal areas, countryside retreats, or city centers, and cater to travelers looking for temporary accommodation. Holiday lets can…

  Emilyjfranks12

  23rd June 2025

  Buy To Let, investing, Property Investment

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• Fixed vs. Variable – Which Mortgage Type Is Right for You?

  When choosing a mortgage, one of the biggest decisions is whether to go with a fixed-rate or a variable (tracker or standard variable) rate mortgage. Here’s a quick breakdown to help you decide: Fixed-Rate MortgageYour interest rate stays the same for a set period—typically 2, 3, or 5 years. Variable-Rate MortgageThe interest rate can change,…

  Emilyjfranks12

  20th June 2025

  Buy To Let, First Time Buyers, Remortgages

• Specialist Buy To Let Mortgages

  Today we are looking at HMO’s and MUFB’s! HMO Mortgages Houses in Multiple Occupation (HMO) are properties rented out to three or more tenants forming separate households, often sharing common facilities like kitchens or bathrooms. Examples include shared student houses or professional accommodations. Due to their potential to generate higher rental yields compared to traditional…

  Emilyjfranks12

  16th June 2025

  Buy To Let, investing, Property Investment

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• Buy To Lets- Property Investing

  A quick guide on the basics of investing in property! Buy-to-let mortgages are designed for individuals or businesses looking to purchase property as an investment, with the intention of renting it out rather than living in it. These mortgages differ from standard residential mortgages in terms of lending criteria, interest rates, and repayment terms, reflecting…

  Emilyjfranks12

  12th June 2025

  Buy To Let, investing, Property Investment

  Buying vs Renting, finance, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, investing, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, mortgages, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• How to Choose the Right Conveyancer When Buying a Home

  What is a Conveyancer? If you’re buying or selling a property in the UK, you’ll need a conveyancer—a legal professional who handles all the legal work and paperwork involved in transferring property ownership. This includes: You can use a licensed conveyancer or a solicitor who specialises in property law. Both are qualified to handle the…

  Emilyjfranks12

  29th May 2025

  Buy To Let, First Time Buyers, Property Investment, Remortgages, Shared Ownership

  First-Time Homebuyers, Mortgage Basics, Tips for Homebuyers

• Property Restrictions and Section 106 Agreements

   Thinking of Buying a Home? Know About Section 106 Agreements!  If you’re looking to buy a home in the UK, you might come across the term Section 106 Agreement—but what does it mean for you?  A Section 106 Agreement (S106) is a legal obligation between local councils and developers, often used to ensure new housing…

  Emilyjfranks12

  2nd April 2025

  Buy To Let, First Time Buyers

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• The New Tax Year Is Coming…

  New Tax Year = New Mortgage Opportunities! Self-employed or a business owner? With the new tax year around the corner, some lenders may consider using your latest years figures. If your most recent tax return shows higher income, this could boost your borrowing power! Some lenders accept 1 years books so you can still obtain…

  Emilyjfranks12

  31st March 2025

  Buy To Let, First Time Buyers, investing, Property Investment, Remortgages, Uncategorized

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers

• Let To Buy – How Does It Work?

  Need to Move But Want to Keep Your Current Home? Let-to-Buy Could Be the Answer! If you’re ready to move but don’t want to sell your current home, a Let-to-Buy mortgage lets you: Rent out your existing home and use the rental income to cover its mortgage Release equity from your current home to use…

  Emilyjfranks12

  27th March 2025

  Buy To Let, investing, Property Investment, Remortgages, Uncategorized

  Buying vs Renting, First-Time Homebuyers, Fixed-Rate Mortgage Mortgage Refinance, Home Buying Guide, Home Loans, Housing Market Predictions, Interest Rate Updates, Mortgage Adviser in Fakenham, Mortgage Basics, Mortgage Broker In Norfolk, Mortgage Broker Near Me, Mortgage News, Real Estate Market Trends, Refinance Strategies, Saving for a Home, Tips for Homebuyers