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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