Latest Articles
What Happens to a Second Charge Mortgage When You Move?
Second Charge Mortgage When Moving House: A second-charge mortgage usually needs attention when the property is sold. It may need to be repaid from the
Second Charge Mortgages for Self-Employed Borrowers
Second Charge Mortgages for Self-Employed: Self-employed borrowers can apply for second-charge mortgages. Lenders may assess accounts, tax calculations, dividends, salary, retained profit or contract income.
Second Charge Mortgages for Home Improvements
Second Charge Mortgages for Home Improvements: A second-charge mortgage may fund an extension, renovation or major repair while leaving the existing first mortgage in place. The
More Articles
Property Chains and Mortgage Offers When Moving Home
Property Chains and Mortgage Offer Timing: A mortgage can be affordable and suitable but still fail to complete on time. Moving home depends on several parties
Moving Home Affordability: What Lenders Reassess
Moving Home Affordability: A homeowner may have paid their mortgage reliably for years. That record is important. However, it does not fix the amount they can
Mortgage Porting When Moving Home: How It Works
Mortgage Porting When Moving Home: Mortgage porting sounds like a simple transfer. In practice, the lender normally closes the mortgage on one property and creates
How to Compare Mortgage Advisers When You Are Self-Employed
How to Compare Self-Employed Mortgage Advisers: Do not compare advisers only by distance or headline fee. Consider: Experience with your income structure Lender access How
When Should a Self-Employed Applicant Start Preparing for a Residential Mortgage?
When to Prepare for a Self-Employed Mortgage: Begin preparing before a property purchase or remortgage becomes urgent. Early preparation can help you: Identify missing tax
Salary, Dividends or Retained Profit: How Might Lenders Read a Director’s Income?
Director Mortgage Income: Limited company accounts can produce several income figures. A lender may assess a director using: Salary Salary and dividends Salary and a
