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Mortgages for Non-Standard Construction Properties in the UK: What You Need to Know
When buying a home, most people expect it to be built with traditional brick and block construction. But many properties in the UK are made using non-standard construction methods — such as timber frames, concrete panels, steel frames, or prefabricated elements. While these homes can be structurally sound and offer unique benefits, they often present…
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How We Help Clients with Adverse Credit Get Approved for Mortgages
Emily’s Mortgage Services assists individuals with adverse credit, such as missed payments and defaults, in securing mortgages. They collaborate with lenders who consider overall financial situations beyond credit scores, providing tailored solutions and expert guidance. Their aim is to facilitate homeownership and foster long-term financial growth despite past financial challenges.
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Why We Waive Our Fees for Blue Light Card Holders
Emily’s Mortgage Services simplifies home buying and remortgaging in the UK by offering transparent, low-fee services. Notably, they waive broker fees for Blue Light Card holders as a token of appreciation. Clients receive clear advice, support throughout the application process, and access to numerous mortgage options without surprise charges.
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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.
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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.
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Conditional Selling & Choosing the Right Mortgage Broker: What You Need to Know
When applying for a mortgage, it’s important to be aware of conditional selling—a practice where a property professional or an estate agent suggests (or pressures) you into using their in-house mortgage broker, solicitor, or insurance provider as a condition for moving forward with your purchase. Here’s the reality:It’s illegal for a seller or estate agent…
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5 Hidden Costs to Budget for When Buying a Home
Buying a property involves more than just the deposit. Many first-time buyers are caught off guard by the additional costs. Here are five to plan for: Top Tip: Budget an extra 3–5% of the property price to cover these and avoid surprises.
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