Making Tax Digital – What Company Directors and Landlords Need to Know
Making Tax Digital (MTD) is transforming how landlords and company directors handle their tax returns. Here’s what you need to know — and how digital record-keeping can help you save time, stay compliant, and strengthen your mortgage position The UK’s tax system is evolving — and Making Tax Digital (MTD) sits at the heart of […]
EPC Rules for Landlords: What You Need to Know Before 2030
Energy efficiency is vital to property performance, tenant comfort, and long-term savings. While earlier proposals aimed to make EPC Band C mandatory by 2028, the government has since withdrawn that specific deadline. However, improving property energy ratings remains a major focus — and landlords across England and Wales should still be planning ahead for the […]
Renters’ Rights Explained: What Every Landlord Must Know
Picture this: you’ve had the same tenant for years — rent always paid on time, property kept in great condition, no hassle. Then, almost overnight, new legislation changes the rules. Suddenly, the way you manage tenancies, evictions, and even your ability to remortgage could shift beneath your feet. Reliable income streams you’ve counted on for […]
12 Steps to Set Up an SPV Limited Company for Buy-to-Let Success
Avoid Costly Mistakes When Building Your Portfolio If you’re planning to invest in buy-to-let properties through a limited company, setting up an SPV (Special Purpose Vehicle) is a smart move. It can make your portfolio more tax-efficient, simplify mortgage applications, and help separate personal and business finances. But setting it up properly is essential — […]
Understanding Interest Coverage Ratio (ICR) and Its Impact on Your Buy-to-Let Mortgage
Concerned about failing the ICR stress test for your Buy-to-Let mortgage? Learn how improving your Interest Coverage Ratio can unlock better mortgage terms, lower payments, and increase borrowing potential. What Exactly is the Interest Coverage Ratio (ICR) The Interest Coverage Ratio (ICR) is a crucial financial metric that mortgage lenders use to assess whether you […]
Interest Only Mortgages: Are They the Right Fit for You?
What Is an Interest-Only Mortgage? An interest-only mortgage allows you to pay just the interest on your loan each month for a set period, usually 5 to 10 years. Unlike a standard repayment mortgage, where monthly payments cover both the interest and the capital, an interest-only mortgage leaves the loan balance untouched until the end […]
Essential Executive Income Protection for Company Directors
Imagine you’re leading your business with confidence, planning a bright future for yourself and your family. Then, out of nowhere, life throws a curveball—an illness or accident leaves you unable to work. Suddenly, the income you depend on could be at risk. Have you protected your most valuable asset—your ability to earn? For company directors, […]
Professional Mortgages: Borrow Up to 6 Times Salary
Understanding Professional Mortgages Professional mortgages are specifically designed for high-earning individuals such as solicitors, doctors, accountants, and architects. These specialised mortgage products are designed to suit your unique financial situation, offering an appealing choice if you’re looking for a customised approach to homeownership. In this blog, I will delve into the benefits, outline the criteria, […]
Bridging Loans for Property Investors: Fast Finance for Your Next Deal
Understanding Bridging Loans Bridging loans are a specialised financial solution designed to help you bridge the gap between two transactions, such as buying a new property while waiting for the sale of an existing one. As a short-term funding option, these loans can be invaluable in specific scenarios, providing quick access to funds when timing […]
How to Get a Mortgage with a CCJ
Introduction Obtaining a mortgage is a major milestone, but having a County Court Judgment (CCJ) on your credit record can make the process more challenging. A CCJ indicates a previous failure to repay debt, which can make traditional lenders hesitant. However, securing a mortgage with a CCJ is still possible. With the right approach and […]