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Posts Tagged ‘mortgage lending policy’

Junior Doctors could Struggle to Buy a Home even with a Deposit

Many junior doctors study hard and work even harder for years to achieve their dreams, and owning a home might be the last stop on many young people’s road to success. Unfortunately, these days, attaining home ownership might not be as straightforward as it used to be.

Preparing for the new buy-to-let mortgage application

FRIDAY FAQ: How much could I borrow based on my income level?

Every Friday we aim to post an answer to a FAQ about mortgages, tax, investments, money matters, business or retirement. You can have your say too. Send an email with your FAQ to

Professional or consumer landlord – you need to know

It’s important to understand the difference between a professional and consumer landlord because of the new rules the UK government is imposing on buy-to-let loans. These have been developed in response to the Mortgage Credit Directive (MDC) – the legislation passed by the European Union which aims to regulate the property market.

Is buying a leasehold property a trap?

Leasehold property ownership in the UK has doubled in the past decade, and in London 9 out of 10 homes are in fact leasehold. Property owners have been getting greedy though with escalating ground rents and service charges that leave the home owner fighting rising costs and in some cases their home becomes unsalable due […]

Calculate Your Disposable Income

If you are considering buying a house, either on your own or with a partner or friend, it is essential to spend some time in advance working through your finances to see exactly how much you can afford. Not only it is vital for your own peace of mind, ensuring you won’t be left completely […]

FRIDAY FEATURE: Low Rates Are Important. But So Are Low Fees.

Topical Mortgage News and Rates This month, Independent Mortgage Adviser, Chris, discusses how you should be looking to get the best of both worlds; low rates are important when selecting a mortgage but so are low fees. Read more, including this month’s BEST RATES, here.

FRIDAY FEATURE: How to get a Mortgage when you are Self-Employed Doctor or Dentist

Topical Mortgage News and Rates This month, Independent Mortgage Adviser, Chris, discusses how to get mortgage success when you are Self-Employed; a topical issue for many doctors and dentists. Read more, including this month’s BEST RATES, here.

Are you Looking for your Dream Home?

Lean on a Broker for Support These days there are plenty of online comparison websites to research mortgage options. Many have calculators that give an indication of the size mortgage you could afford given your income. However, a mortgage broker has access to deals that may not be available online, or indeed through your bank.

Buy to Let – Why you Could Need a 60 Percent Deposit

To access the best mortgage rates Due to tax changes next year relating to buy-to-let property, banks and lenders are being encouraged to stress-test their applicants more rigorously against new guidelines. These guidelines are expected to be enforced in due course and could result in higher deposit requirements for landlords.

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