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 — […]
Smarter BTL Mortgage Solutions for Beating the ICR Test
If you’re a landlord or planning to become one, you’ve probably come across the term Buy-to-Let stress testing. It’s a crucial part of securing a mortgage on a rental property, but it’s also one of the top reasons mortgage applications get rejected. Stress testing is not just a box-ticking exercise—it’s a key hurdle that can […]
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 […]
What is an Adverse Credit Mortgage
Introduction Debt can accumulate unexpectedly, whether from overspending on a credit card or covering emergency expenses with a personal loan. Adverse credit, often referred to as bad credit, can complicate the mortgage process, but it does not make homeownership impossible. With the right strategies and support, you can still secure a mortgage. In this guide, […]
Help to Buy – Wales
Help to Buy – Wales: Affordable Homeownership Purchasing a home is a significant milestone, but it can also feel financially overwhelming. The Help to Buy Wales scheme aims to ease this burden by offering financial assistance through a shared equity loan, making homeownership more accessible for Welsh buyers. In this comprehensive guide, I’ll explain the […]
Mortgages for Students Explained: Everything You Need to Know
Introduction to Student Mortgages Buying a house as a student might seem like an impossible dream. Balancing student loans, limited income, and studies can make the idea of owning a home daunting. However, there are options available for students who want to step onto the property ladder early. This guide will explain how university students […]
