Category: Property Investment

• High Loan-to-Value Mortgages in the UK: Are They Worth It?

  What Is a High Loan-to-Value Mortgage? A high loan-to-value (LTV) mortgage is a loan where you borrow a large percentage of your home’s value—typically 90% or 95%. That means you only need a 5–10% deposit, making it an attractive option for first-time buyers and those with limited savings. Some lenders will even go to 100%…

  Emilyjfranks12

  29th August 2025

  First Time Buyers, Property Investment

  buying your first home, first-time buyer mortgage UK, first-time buyer schemes, mortgage help UK

• Can You Afford a Mortgage in 2025? Here’s How to Find Out

  Buying a Home in 2025: Understanding Mortgage Affordability If you’re thinking about buying a home in the UK, understanding mortgage affordability is one of the first and most important steps. But how much mortgage can you really afford in today’s market? In this guide, we break down how UK lenders assess affordability and what you…

  Emilyjfranks12

  27th August 2025

  First Time Buyers, Property Investment

  affordability checks, how much mortgage can I afford, mortgage affordability UK, mortgage calculator, UK home buying

• Conditional Selling Scandal: The Dark Side of UK Estate Agency Practices

  Conditional selling in UK estate agencies has raised significant concerns among buyers and brokers, involving pressure to use in-house services. This illegal practice undermines transparency, increases costs, and complicates transactions. Advocacy for stronger regulations and consumer awareness is growing. Buyers are advised to know their rights and seek independent services.

  Emilyjfranks12

  19th August 2025

  First Time Buyers, Property Investment, Remortgages

  conditional selling, estate agents, First-Time Homebuyers, ft advisor, Mortgage Basics, Tips for Homebuyers

• What Is a Commercial Mortgage – And When Do You Need One?

  Commercial mortgages are designed for properties used for business or investment, suitable for owners, investors, developers, and landlords. Key features include loan sizes starting at £50,000, required deposits of 25-40%, and interest rates based on risk factors. Working with a specialist broker can facilitate the complex lending process.

  Emilyjfranks12

  11th July 2025

  investing, Property Investment

• Thinking of Investing in an HMO? Here’s What You Need to Know About HMO Mortgages

  Investing in a House in Multiple Occupation (HMO) can yield high rental income but requires a specialist HMO mortgage. Unlike standard buy-to-let mortgages, HMO financing has unique criteria including higher deposits, stricter stress testing, and specific legal requirements. Utilizing a specialist broker can simplify this complex process and improve outcomes for investors.

  Emilyjfranks12

  8th July 2025

  Property Investment

• 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

• 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