Self Employed Mortgage based on last years accounts

Self Employed Mortgage - Borrow more when using the last year’s net profit If you need a  self employed Mortgage working from you latest years account then you have come to the right website . It could be me but the ‘r’ word (recession) see...
http://bit.ly/21PgM3C

The Mortgage Works changes rental calculation and maximum LTV for the worse

Bad news as one of the UK’s largest Buy to Let Mortgage Lenders makes significant changes to rental calculations and loan-to-values. The Mortgage Works has reacted to other Lenders by tightening its lending criteria. The biggest change is around r...
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Buying the house next door with the help of a mortgage

Which Lenders will give me a mortgage if I want to buy the house next door property and rent it out. I get a surprisingly high number of mortgage enquiries relating to the purchase of buy-to-let properties that are next door to one already owned by ...
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6 things to know about a Mortgage Agreement in Principle

Quick guide on getting a mortgage agreement in principle and the information that is required. This article provides generic information on the Mortgage Agreement in Principle process. I strong advise that your first port of call, after reading th...
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Mortgage with maintenance payments

I want to get a Mortgage with maintenance payments as part of my income. How does it work? To get a mortgage with maintenance payments alone is not possible. If however, you or a fellow applicant has a job then the maintenance payments could poten...
http://bit.ly/22bOYFa

100% of rental income used for residential mortgage applications

Help the affordability of your residential mortgage by taking in your 100% of rental income on your buy to lets I want a residential mortgage, and although I work; I seek a Lender that will use 100% of rental income from my buy to let in their affo...
http://bit.ly/1MbiOb6

Mortgage with high childcare costs by ignoring nursery fees

Are there any mortgage lenders that will ignore nursery and child care fees in their affordability assessment? How can I get a Mortgage with high childcare costs I receive a constant stream of mortgage enquiries in regards to getting a Mortgage w...
http://bit.ly/1M9kL7P

Getting a buy to let mortgage but have been away abroad in the last three years

I want to get a buy to let mortgage but have only been back in the UK for 12 months before that I was living and working abroad. Most buy to let mortgage lenders have got a ‘two or three year UK residency rule’ whereby they expect the applican...
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Bank Statements for Mortgage Applications

Best format for gathering your bank statements for Mortgage Applications including how to get statements with Http:// on them.                        ...
http://bit.ly/1Pt3MI0

95% mortgage for foreign nationals with a visa via the Help to Buy Scheme and Niche Advice

Foreign Nationals with a Visa and buy a £400,000 property in the UK with a £20,000 deposit Just a 5% deposit is needed to get a mortgage if you are a foreign nationals with a visa looking to purchase a UK property under the Help to Buy Scheme 1...
http://bit.ly/1RkIleF

Can I Remortgage if I have a second charge Secured Loan

I have a second charge Secured Loan, can I still get a Remortgage if I still want the loan to remain in place. In theory if you have a  second charge Secured Loan it does not prevent you from changing your existing first change mortgage for a bet...
http://bit.ly/1RPO5zb

Let to Buy Mortgage Advice

Let to Buy Mortgage Advice when your looking to rent your current home often refinance to fund the purchase of another property. What is Let to Buy Mortgage and how does it all work. It is very common for clients to ask me about retaining their ex...
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Non SPV Limited Company Buy to Let Mortgage

Limited Company Buy to Let Mortgage options for Professional Landlords Since the budget the market has adjusted to provide more mortgage solutions for limited company purchases and remortgages. There is however an Important segment of the limite...
http://bit.ly/1QRRalb

100% Development finance

The world of development finance is going through a little revolution with a number of lenders offering up 100% of development finance once a property has been purchased. ✔ Niche Funding are one of London’s top Commercial Finance Brokers.
http://bit.ly/1Tfa71F

HSBC Mortgage Application Declined We Could Help

Don’t get disappointed, you are not alone as we regularly help applicants who have had a HSBC Mortgage Application Declined I cannot independently verify this fact all I can do is recount the number of grumbles I hear from applicants that have ...
http://bit.ly/1Q51zaJ

Secured Loans On Buy to Let Properties

Consolidating debt and capital raising on secured loans on buy to let properties Secured loans can be an effective way of consolidating personal debt; and when secured on buy to lets they could drive down your property income tax bill in the process...
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Mortgage with Bad Credit Rates

If your looking for a Mortgage with Bad Credit then your at the right place There are mortgage lenders that do not apply loadings for Mortgage with Bad Credit. That's right you do not have to be penalised just because you have had a credit issue w...
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Spousal Visa Mortgage with husband

I am looking for a Spousal Visa Mortgage with husband who has Permanent Rights to Remain can I go on the mortgage? The short is 'yes' you can get a Spousal Visa Mortgage . The challenge you have is finding the best product option as the lender...
http://bit.ly/1o9xjAE

Off Plan New Build Mortgage Advice

An off plan new build mortgage is all about timing. The developer will exert pressure for a deposit / reservation fee so its vital you get your off plan new build mortgage sorted. Once they have paid this over you are effectively committed or put an...
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Mortgage Lending Into Retirement

Up to 40 year Term for Mortgage Lending into retirement  The lenders as a collective shied away from Mortgage Lending into retirement following the Mortgage Market Review, and almost 2 years on their retraction is still stopping the longer mortgage...
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Buy out the remaining shared ownership shares in your property

Become a full owner of your shared ownership property and buy the remaining shares before prices continue to raise. Historically Britain was known as a nation of home owners now the reality is often a fanciful notion with shared ownership in conjun...
http://bit.ly/1UCpluG

Questions & Answers in regards to the new New Stamp Duty Rules

Questions & Answers in regards to the new New Stamp Duty Rules and how it can impact second homes. Please see table of Stamp Duty rates below, in short if you own more than one house then the second house rate applies unless it is to chan...
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What is the Mortgage Credit Directive

What is the Mortgage Credit Directive and how it will impact some Mortgages in the UK In essence this European Legislation has been bought in to raise standards and standardise documentation across the Member States to improve consumer protection an...
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New Buy to Let limited company and HMO Mortgages with a small deposit

It’s no secret that many landlords are looking to place their buy to let portfolios inside Buy to let Limited Company mortgage products following the Budget last year. We are fortunate at Niche to be truly independent so we can access all the in...
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Buy to Let Mortgage no penalty charge

Yes you can still have access to a Buy to Let Mortgage no penalty charge product via Niche Advice Buy to Let mortgages do not need to restrict your plans if you select a product without any early repayment charges applying so I thought I talk a litt...
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Mortgage with one year accounts

I’m about to file my first years accounts which are looking healthy. Can I get a Mortgage with one year accounts? The good news is there are a number of lenders who are now offering the self-employed a Mortgage with one years accounts. There are...
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Mortgage for a studio flat

If you’re looking to get a mortgage for a studio flat you will soon find out that it is not straight forward. Getting a Mortgage for a studio flat are harder to obtain than your average UK mortgage as the choice of lender is much lower. Why is t...
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Tier 2 Visa Mortgage Questions Answered

I’ve only been living and working here for a year in the UK and am on a Tier 2 Visa can I get a mortgage? The answer is ‘yes’, in theory, however, there are certain restrictions simply because of the time you’ve been in the UK and not nece...
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What is a Secured Loan?

What is a secured loan and how does it differ from a personal loan? A secured loan is essentially a second loan put behind a traditional first charge mortgage. The secured element comes from the right the lender will have to potentially repossessing...
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