Mortgage Decline due to Financial Association what you need to know

Mortgage Decline due to Financial Association | Mr Payam Azadi highlights the pitfalls of being financially associated with a Partner or Wife when getting a mortgage in your sole name | That’s right if you share debts on finance then Mortgage Lenders may see you as dependent on each other and insist on a joint application | For the inside track on how this works watch this video. Buy to Let minimum income requirements | In this episode Mr Payam Azadi looks at how the buy to let minimum income requirements are changing from the established earned minimum benchmark of £25,000 with prime mainstream Mortgage Lenders now active in this market | He discusses how a “sense check” behind the scenes still is carried out to ensure you can maintain your lifestyle and cope with tenancy voids. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The conte

https://www.youtube.com/watch?v=JeqKfpHFbxs

HMO Mortgage Guide Frequently asked questions by my Clients

House of Multiple Occupancy HMO Mortgage Questions and Answers HMO Mortgage is a vast subject surrounded by myths. In this snapshot, we attempt to cover some of the more frequently asked questions on HMOs to help provide guidance. As with all mortgages you are advised to seek professional help from a suitable qualified Mortgage Broker […] The post HMO Mortgage Guide Frequently asked questions by my Clients appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/hmo-mortgage-guide-frequently-asked-questions-by-my-clients/

Buy to Let Mortgage No Minimum Income - What are the Lending Rules

Buy to Let minimum income requirements | In this episode Mr Payam Azadi looks at how the buy to let minimum income requirements are changing from the established earned minimum benchmark of £25,000 with prime mainstream Mortgage Lenders now active in this market | He discusses how a “sense check” behind the scenes still is carried out to ensure you can maintain your lifestyle and cope with tenancy voids. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Professional Mortgage Broker before you apply. Niche Advice are Independent Whole of the Market Mortgage Broker dealing with different types of

https://www.youtube.com/watch?v=9DFEUFCseDQ

Niche Advice Team and partners at this years Mortgage Introducer Awards

The post Niche Advice Team and partners at this years Mortgage Introducer Awards appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/niche-advice-team-and-partners-at-this-years-mortgage-introducer-awards/

Can you use Benefit Income for Mortgage Affordability Inc Child benefit Universal Credit

Can you use “Benefit income” for mortgages? | Resident mortgage expert Mr Payam Azadi explores the opportunities to use Benefit income towards the mortgage affordability assessment | All the main Benefit incomes are covered included Universal credit, Child benefit, and Working Tax Credits; and the different approaches Mortgage Lenders take in their assessment. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Professional Mortgage Broker before you apply. Niche Advice are Independent Whole of the Market Mortgage Broker dealing with different types of clients buying properties all across the UK. T

https://www.youtube.com/watch?v=BWxgI3T_9_A

Can I get a Buy to Let Mortgage With My 18 Year Old Son

In this video, Payam Azadi looks into questions about buy-to-let investment with family members and some of their key points that need to be taken into consideration. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Professional Mortgage Broker before you apply. Niche Advice are Independent Whole of the Market Mortgage Broker dealing with different types of clients buying properties all across the UK. Think carefully before securing other debts against your home. Some Buy to let, and commercial mortgages are not regulated by the Financial Conduct Authority. Niche Advice Limited is a Credit Brok

https://www.youtube.com/watch?v=G9lUmyuZcK4

Mortgage rules for a Second Residential Home for you or your Family - Not a Buy to Let Mortgage

If you want to buy a Second Residential Home to live in personally or on behalf of another close family member then this is the right video to watch. Mr Payam Azadi expert Mortgage Broker at Niche Advice takes a closer look at lending criteria and mortgage affordability rules for Second Residential Home Mortgages and how they can affect applicants in the short and long term. There are many reasons why Second Residential Home Mortgages can provide the most appropriate solution. Residential mortgages are normally the most competitively priced and there is no complication of rent receipts as would be the case in Buy-to-lets. To afford a Second Residential Home Mortgage you will need to have good income. Some Second Residential Home Mortgage Lenders will look at the monthly bills on the main home and Others add both mortgage balances together in their affordability assessments. The end result therefore can be a big disparity between maximum borrowing so its important to get professiona

https://www.youtube.com/watch?v=5qcPUwTqHdM

Can I rent my Right to buy Council Property

In this video, we talk about Right to buy Mortgage products and what is and is not possible once you have purchased your right to buy Council Property under a residential Right to buy Mortgage. We look at Mortgage lending rules including renting the property out once you have become owners and some of the key considerations given when purchasing a right to buy property from the start of the process. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Professional Mortgage Broker before you apply. Niche Advice are Independent Whole of the Market Mortgage Broker dealing with different types of clients bu

https://www.youtube.com/watch?v=2U3YgkOl0uo

How to Get a Mortgage with children challenges and Solutions

In this article, I discuss how you can get a mortgage with children and the different complications involved in the process reviewing the different possible solutions that are currently available to would-be Mortgage holders. The Topics range cover property ownership with children and how mortgage affordability can be affected by children. To simplify matters I […] The post How to Get a Mortgage with children challenges and Solutions appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/how-to-get-a-mortgage-with-children-challenges-and-solutions/

How to Finance a Buy to Let Property Using Investor Money

How to Finance a Buy to Let Property Using Investor Money | Mr Payam Azadi talks through this topical subject and points out the pitfalls | He warns traditional mortgages are not the right platform and the dangers of short term bridging finance without an exit plan Thanks for watching you can contact me by https://www.nicheadvice.co.uk/contact-us/ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Professional Mortgage Broker before you apply. Niche Advice are Independent Whole of the Market Mortgage Broker dealing with different types of clients buying properties all across the UK. Think carefully b

https://www.youtube.com/watch?v=JksLPGmbruQ

Highest Income Multiple Mortgage Lenders Revealed - Good and Bad Points

In this video we name a number of Highest Income Multiple UK Mortgage Lenders that\'s can lend up to 5.5 times applicants Income. If you\'re someone who is looking to get on the property Ladder or remortgage but need to try the work out maximum affordability the information in this video should be a great starting point to evaluate your own position when it comes to the Highest Income Multiple Mortgage products. As always we also highlight why independent mortgage advice is vital when it comes to sourcing the right mortgage and how different Mortgage lender criteria rules can affect someone\'s overall affordability and getting Highest Income Multiple Mortgage Thanks for watching you can contact me us by clicking on this link https://www.nicheadvice.co.uk/contact-us/ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does

https://www.youtube.com/watch?v=2l7RIoT8_Ks

Why I think Interest Rates will Rise and what should people do about it Q & A

UK Interest rates are set to rise | Mr Payam Azadi discusses the reaction of Mortgage Lenders to the inflationary pressures he is witnessing first-hand the interest rate creep and adjustment of affordability calculations in preparation for a changing economy| He also addresses the recent questions and comments on the mortgage market from subscribers. More information on UK Interest rates can be seen on the link below https://www.nicheadvice.co.uk/interest-rates-are-set-to-rise/ Thanks for watching you can contact me by https://www.nicheadvice.co.uk/contact-us/ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discus

https://www.youtube.com/watch?v=USMVFzfFjdo

Interest rates are set to rise

Interest rates will go up so what now? Well we’ve certainly had it good with the Stamp Duty holiday and incredibly low interest rates throughout the summer. However, as the leaves start to drop the rates are starting slowing to go in the opposite direction. I guess it was to be expected with inflation exceeding […] The post Interest rates are set to rise appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/interest-rates-are-set-to-rise/

Maximum Mortgage Affordability Income Rules for UK Lenders

What is the maximum mortgage I can borrow? Probably the single most question I’m asked is: “what is the maximum mortgage I can borrow?” First there is a sense check and as the respective Lenders’ income multiples range between 4 to 5.5 times combined income. However, I have the means to drill down into far […] The post Maximum Mortgage Affordability Income Rules for UK Lenders appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/maximum-mortgage-affordability-income-rules-for-uk-lenders/

Turned down for a mortgage? Find out why and what to do

This video is a much watch if you have been Turned down for a mortgage. Frustrated and unsure why your mortgage was rejected don\'t despair resident expert Mr Payam Azadi is on hand | In this enlightening video Azadi focuses on solutions for failure on affordability and property types | He also drills down to the less obvious reasons which may have lead to mortgage rejections such as: unknown credit issues, distortion and non-disclosure of material facts, inflation of income, associations with failed businesses or partners - and how they will impact you going forwards. If you have been Turned down for a mortgage for any of the reasons outlines in this video then please do get in contact with Niche Advice Mortgage Brokers. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely de

https://www.youtube.com/watch?v=980ERJ1DOs8

CIS Scheme Mortgage Broker how much can you borrow

If you work in the CIS Construction Industry then you will need a CIS Scheme Mortgage, then please read on The Construction Industry Scheme is technically a sub-contractor set up. In this article, we will discuss the CIS Scheme Mortgages and how Lenders view it in terms of their mortgage affordability assessments and products. BACKGROUND […] The post CIS Scheme Mortgage Broker how much can you borrow appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/cis-scheme-mortgage-brokers/

Not Selling your existing Home Let to Buy Let to Rent or Let to live with Family

Not selling your existing home | It is common for people to let their existing property and either buy or rent | Known as let-to-buy or let-to-rent mortgage lenders take different approaches to this type of lending and in this insightful video Mr Payam Azadi presents the options available | He expands to encapsulate using a limited company which may have tax advantages. #LettoBuy #LettoRent #Lettolivewithfamily

https://www.youtube.com/watch?v=S4UevwIPSUU

Best 5 Year Fixed Mortgage UK Index October 2021

Niche Advice Rate Tracker Index (NARTI) The Niche Advice Market Watch Rate Tracker Index (NARTI) looks into the progress of best mortgage rates 5 year fixed UK mortgage rates over the course of time. It is designed to show short term trends to actively help applicants that are close to deciding buying a property. It […] The post Best 5 Year Fixed Mortgage UK Index October 2021 appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/best-5-year-fixed-mortgage-uk-index-october-2021/

Legal Services via Abraham Baron Solicitors

At Niche Advice we are delighted to recommend Abraham Baron Solicitors to our clients for a range of Civil and Corporate Legal Services including the following: Although Niche Advice is predominantly focused on on financing of properties, many of our clients have been asking us if we could recommend a firm that could deal with […] The post Legal Services via Abraham Baron Solicitors appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/legal-services-via-abraham-baron-solicitors/

What Channels do I subscribe to - Property Politics Entertainment Sports

In this light hearted video Payam Azadi Expert mortgage broker and Niche Advice talks about some of the Youtube channels he enjoys watching giving a better insight into his own worldviews around property current affairs politics and even his favourite sport.

https://www.youtube.com/watch?v=IQ3NS_eqlAE

Market Crash or Property Boom who is right and what to do about it

In this episode, we look at the different arguments for and against a Stock Market crash which could potentially affect the wider economy and the UK property market. We also look at different ways people can protect themselves from a stock market crash as well as a UK property crash whether they are residential mortgage owners or buy-to-let investment property owners. Will try to look into the housing bubble theory and if it is a valid argument to say hey they could be a correction within the property market and if so what will happen to some of the stock Sources used in the video: Michael Burry Warns Retail Traders About the ‘Mother of All Crashes’ https://www.bloomberg.com/news/articles/2021-06-18/crypto-meme-stocks-michael-burry-warns-about-mother-of-all-crashes Warren Buffett on Preparing for the Next Stock Market Crash https://finance.yahoo.com/news/warren-buffett-preparing-next-stock-151239455.html?guccounter=1&guce_referrer=aHR0cHM6Ly93d3cuZ29vZ2xlLmNvbS8&guce_referr

https://www.youtube.com/watch?v=D1mku3RXu-s

HMO Mortgage before or after converting the property into a House of Multiple Occupancy

Payam Azadi talks about HMO Mortgage options for people who want to buy and convert the property into a House of Multiple Occupancy HMO. He talks touches on traditional HMO Mortgage lending requirements together with how bridging finance can be used to fund the conversion into a House of Multiple Occupancy for properties in the UK. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Professional Mortgage Broker before you apply. Niche Advice are Independent Whole of the Market Mortgage Broker dealing with different types of clients buying properties all across the UK. Think carefully before securing

https://www.youtube.com/watch?v=JSOf5bJ-7Y8

IR35 Contractor Mortgage Umbrella Company Daily Rate Mortgage

New Contractor Mortgage after IR35 Umbrella Company Employee Mortgage & Daily Rate products If you are reading this article you have probably been impacted by the IR35 tax changes from April 2021 affecting Contractor mortgages. You are not alone…the taxation changes brought about by IR35 is thought to have impacted around 60,000 institutions and 170,000 […] The post IR35 Contractor Mortgage Umbrella Company Daily Rate Mortgage appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/ir35-contractor-mortgage-umbrella-company-daily-rate-mortgage/

New Contractor Mortgage after IR35 Umbrella Company Employee Mortgage

New Contractor Mortgage after IR35 the mortgage industry has been slow to adapt and react to the ever challenging needs of many contractors living and working in the UK one of the biggest issues has been four applicants who have recently moved into an employed position under an umbrella company. In this video, Payam Azadi talks about some of the great solutions for Umbrella Company Employees and also looks at Mortgages for employed and self-employed Contractors on a daily rate. THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Professional Mortgage Broker before you apply. Niche Advice are Independe

https://www.youtube.com/watch?v=gTj4Imrkd2U

Mortgage Market - New Builds Issues - Fixed Rates - Property Down Valuations - lending criteria

In this Mortgage Market Update, Payam Azadi Mortgage broker at Niche Advice talks about real-life case scenarios including how clients are selecting fixed-rate Mortgage products, buy to let inventor problems tenant eviction issues and how landlords can protect themself\'s property supply in the south and experience on new build deals. Payam also shared his own experience is buying a property in an overheated market back in 2007 and what he learnt from the experience. ⏱️TIMESTAMPS⏱️ Just click on the Topic links below 0:00 Intro 1:19 Current Fixed rates and products 2:29 UK Inflation and future interest rates 5:08 What I did with my own Mortgage selection 5:42 New Build problems to watch out for. 8:08 Buy to Let choosing the wrong property 9:40 How Bridging finance is being used in some cases 10:48 Rental guarantee & legal protection for Landlords 12:53 How bank Statements are being reviewed by lenders 13:48 Pressure around finding the right property 15:10 News that 50% of bu

https://www.youtube.com/watch?v=5QqdlV4V_Nw

How to Buy property with your children under the age of 18 and get Buy to Let Mortgage.

Buying property with your children can be a way of securing their future and we now have a way to get a Buy to Let Mortgage with your children. Most parents will look to buy property for their kids when they are grown up or studying, and there are a number of mortgage solutions available, however, did you know you can start buying property for kids before they reach the age of 18 using a special a Limited Company Special Purpose Vehicle (SPV). If you want to talk about a Buy to Let Mortgage with your children do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact-us/ T:0207 9932044 www.nicheadvice.co.uk ?️ SUBSCRIBE TO OUR YOUTUBE CHANNEL: https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1. ?️ FOLLOW US ON TWITTER: https://twitter.com/nicheadviceuk ?️ FOLLOW US ON INSTAGRAM: https://www.instagram.com/nicheadviceuk/ ?️ LIKE OUR FACEBOOK PAGE: https://www.facebook.com/nicheadviceuk/ ?️ CHECK OUT OUR WEB

https://www.youtube.com/watch?v=qQOz17JcByk

Buy to Let Remortgage to buy property in Auction or Cash

Buy to Let Remortgage for buying at auction. | If you are looking to raise money against a property by Buy to Let Remortgage to fund an auction purchase then this video is sure to help. | Mr Payam Azadi runs through why remortgages are cost effective finance vehicles but need a greater lead in time and planning. | He talks about the advantages of selecting Buy to Let Remortgage lenders that do not tie you into a specific auction purchase when you want to purchase in cash. If you want to talk about a Buy to Let Remortgage do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ?️ SUBSCRIBE TO OUR YOUTUBE CHANNEL: https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1. ?️ FOLLOW US ON TWITTER: https://twitter.com/nicheadviceuk ?️ FOLLOW US ON INSTAGRAM: https://www.instagram.com/nicheadviceuk/ ?️ LIKE OUR FACEBOOK PAGE: https://www.facebook.com/nicheadviceuk/ ?️ CHECK O

https://www.youtube.com/watch?v=z5p65G6Ht4I

Mortgage Update June 2021 The Stamp Duty Deadline Youtube LIVE

If you want to talk about a mortgage do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ?️ SUBSCRIBE TO OUR YOUTUBE CHANNEL: https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1. ?️ FOLLOW US ON TWITTER: https://twitter.com/nicheadviceuk ?️ FOLLOW US ON INSTAGRAM: https://www.instagram.com/nicheadviceuk/ ?️ LIKE OUR FACEBOOK PAGE: https://www.facebook.com/nicheadviceuk/ ?️ CHECK OUT OUR WEBSITE: https://www.nicheadvice.co.uk/ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for general information purposes only. The qualification for a mortgage will depend on your own individual circumstances, and your case should be fully discussed with a Pr

https://www.youtube.com/watch?v=xjtvmwQWsy0

Why some First Time Buyer 5 Percent mortgage deposit deals get declined

Why some First Time Buyer 5 Percent mortgage deals get declined | mortgage rejects with a 5% deposit | The amount of equity when applying for a mortgage has always been pivotal to the decision making of Mortgage Lenders there are however ways of improving the outcome | In this insightful piece Mr Payam Azadi talks about First Time Buyer Mortgages and how high in-debtness can contribute to the mortgage being declined; how \"gifted\" deposits are viewed in comparison to savings; how previous declines might affect the outcome; the use of the mortgage guarantee scheme to fund the 5 Percent mortgage deposit; job length and many more factors. ?️ SUBSCRIBE TO OUR YOUTUBE CHANNEL: https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1. ?️ FOLLOW US ON TWITTER: https://twitter.com/nicheadviceuk ?️ FOLLOW US ON INSTAGRAM: https://www.instagram.com/nicheadviceuk/ ?️ LIKE OUR FACEBOOK PAGE: https://www.facebook.com/nicheadviceuk/ ?️ CHECK OUT OUR WEBS

https://www.youtube.com/watch?v=57eqiz793lM

Mortgage deals in a Heated UK Property Market - problems and solutions

Mortgage deals in an over-heated market. | It\'s been a long time since the property market has been booming to such a degree but a heated market does present challenges as well as opportunities when it comes to getting the right Mortgage deals. | Mr Payam Azadi talks through the advantages and disadvantages of high loan-to-value mortgages which have been a major driving force for the market surge. | He also touches on how more Lenders are open to applicants with minor credit problems as they seek to maintain market share. | He discusses: how let-to-buys are being utilised to break the property-chain; and how high Right to Buy valuations can put mortgages out of reach if you don\'t select the right lender. ⏱️TIMESTAMPS⏱️ Just click on the Topic links below 0:00 Intro 1:10 Type of Problems we are seeing in a Heated Market 3:29 Hight Loan to Value Residental Mortgage deals 4:12 Let to Buy Mortgage and Keeping your existing Residental Property 6:05 Up to 4 people People buying t

https://www.youtube.com/watch?v=6f0C6UTs2xo

Can Mortgage lenders work from my own Survey Valuation Report?

Can Mortgage lenders work from my own Survey Valuation Report? | In this YouTube video, Mr Payam Azadi discusses the mortgage lenders stance on the use of existing survey valuation reports in the mortgage process in relation to properties in England and Wales. | He talks openly about the mortgage lender\'s liability position and candidly about the unwanted influence such an approach might bring to the transaction. For more information on the Valuation Report process please watch my other video on this subject: https://youtu.be/JIEwNuMUqw0 ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need to talk about your Survey Valuation Report and a Mortgage application do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ++++++++++++++++++++++++++++++++++ THINK CAREFUL

https://www.youtube.com/watch?v=ZUqfqAb7Yj0

Mortgage to Convert Buy to Let Property Into HMO or Self Contained Flats

Convert Buy to Let Property - Mortgage to Convert Buy to Let Property Into HMO or Flats | It could be you can see the potential of buying a house to convert into flats but don’t know where to start? If this is the case then pointers from mortgage and finance guru Mr Payam Azadi in this video might help your project get off the ground with some key points in getting a mortgage/Finance when looking to Convert Buy to Let Property. ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need to talk about Convert Buy to Let Property into an HMO or a Muti unit property do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ++++++++++++++++++++++++++++++++++ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY

https://www.youtube.com/watch?v=l66QKZLU2Gg

Transfer Existing Buy to Let Property into a Special Purpose Vehicle SPV Limited Company

Special Purpose Vehicle SPV Limited Company- The 3 Key steps your need to take before you Transfer Existing Property into a Limited Company Special Purpose Vehicle SPV. Due to recent tax changes, many people off researching the structure of their existing Buy to Let Protfolis portfolios and one of the most common questions asked is should I incorporate it into a Special Purpose Vehicle SPV Limited Company structure. In this video, Payam Azadi talks about some of the key points that clients need to look into before the press ahead with this strategy. as it may not be the right move for all. ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need to talk about getting a mortgage on a Special Purpose Vehicle SPV Limited Company do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.

https://www.youtube.com/watch?v=19fEG48V0mE

UK Estate Agent Tricks to watch out for in a heated market

Payam Azadi talks about some of the most common UK Estate Agent Tricks in the UK market and how you can try to avoid them, especially in such a buoyant UK property market where Estate Agent are dealing with multiple prospective buyers at the same time. Why not sure of your UK Estate Agent experiences by making a comment below. ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need to talk about getting a mortgage after do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ++++++++++++++++++++++++++++++++++ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is pu

https://www.youtube.com/watch?v=fdTNomOnkBY

Don’t be fooled by lender’s Mortgage Decision in Principle Acceptance AIP or DIP

Is getting a Mortgage Decision in Principle DIP a good idea? In this video, Payam Azadi Mortgage Broker at Niche Advice talks about the whole Mortgage Decision in Principle / Agreement in Principle AIP process and some of the main differences. Please read below my blog page on Mortgage Decision in Principle process https://www.nicheadvice.co.uk/decision-in-principle-acceptance-and-offer/ ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need to talk about a Mortgage Decision in Principle do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ++++++++++++++++++++++++++++++++++ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS.

https://www.youtube.com/watch?v=xaqak_x_6kg

How to Improve your Credit Profile before a Mortgage Application

Improve your Credit Profile for a mortgage | A computerised decision tool is known as a \"credit Profile system\" is often used by Banks to reject unwanted mortgage applicants. The system looks at a variety of factors before returning a verdict which often includes a credit search. | In this insightful video, Mr Payam Azadi talks about the starting point on how to check and improve your rating. So if you are looking to take out a mortgage soon it is a must-see and having a good Credit Profile can have a profound impact on Mortgage product selection Please read below my on Who runs a soft and hard credit checks at AIP https://www.nicheadvice.co.uk/who-runs-a-soft-and-hard-credit-checks-at-aip/ ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need to talk about your Credit Profile and Mortgagee Advice do get in touch with Payam Azadi a

https://www.youtube.com/watch?v=8IKS5QL5hQ0

How to Improve your Credit Score before a Mortgage Application

Top tips to Improve your Credit Score from a Mortgage Broker A computerised decision tool known as “credit scoring” is often used by major high street banks to screen and reject unwanted mortgage applicants, and normally includes a credit search. The verdict is based on the Lender’s own past experiences and allocates points on various […] The post How to Improve your Credit Score before a Mortgage Application appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/how-to-improve-your-credit-score-before-a-mortgage-application/

Remortgage within 6 Months on the open market value Residential or Buy to Let Properties

Remortgage within 6 even if you have bought in cash or bridging finance. In this video, Payam Azadi Expert Mortgage Broker at Niche Advice talks about how applicants can Remortgage within six months for Residential or Buy to Let Properties as most Lenders have a minimum ownership rule of 6 months before a remortgage can take place. More information on the Remortgage within 6 Months rule can be found by clicking on the link below https://www.nicheadvice.co.uk/buy-to-let-remortgage-within-6-months-access-to-8-lenders-that-will-do-it/ ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need Remortgage Advice do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ++++++++++++++++++++++++++++++++++ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORT

https://www.youtube.com/watch?v=auKwNnVyamI

First Time Buyer Mortgage 5.5 times income with 10% deposit

https://youtu.be/W35k21eK8GM From 26th April 2021, we will have access to an exciting new mortgage aimed at first time buyers which will allow them to borrow up to 5.5 times income on a mortgage. Where this is really special and exciting is ...

https://www.nicheadvice.co.uk/first-time-buyer-mortgage-5-5-times-income-with-10-deposit/

First Time Buyer Mortgage 5.5 times income with 10% deposit

If you are looking for a 5.5 times income mortgage with a 10% deposit, and you are employed first time buyers your search may well be over. For more information watch this video and if it suits get in touch from 26th April 2021 when the product launches. More information on this product can be found by clicking on the link below https://www.nicheadvice.co.uk/first-time-buyer-mortgage-5-5-times-income-with-10-deposit/ ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need Mortgage Advice do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ++++++++++++++++++++++++++++++++++ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. T

https://www.youtube.com/watch?v=W35k21eK8GM

First Time Buyer Mortgage 5.5 times income with 10% deposit

From 26th April 2021, we will have access to an exciting new mortgage aimed at first time buyers which will allow them to borrow up to 5.5 times income on a mortgage. Where this is really special and exciting is it goes all the way up to 90% loan-to-value i.e. just a 10% deposit. The […] The post First Time Buyer Mortgage 5.5 times income with 10% deposit appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/first-time-buyer-mortgage-5-5-times-income-with-10-deposit/

First Time Buyer Mortgage 5.5 times income with 10% deposit

https://youtu.be/W35k21eK8GM From 26th April 2021, we will have access to an exciting new mortgage aimed at first time buyers which will allow them to borrow up to 5.5 times income on a mortgage. Where this is really special and exciting is ...

https://www.nicheadvice.co.uk/first-time-buyer-mortgage-5-5-times-income-with-10-deposit/

First Time Buyer Mortgage 5.5 times income with 10% deposit

From 26th April 2021, we will have access to an exciting new mortgage aimed at first time buyers which will allow them to borrow up to 5.5 times income on a mortgage. Where this is really special and exciting is it goes all the way up to 90% loan...

https://www.nicheadvice.co.uk/first-time-buyer-mortgage-5-5-times-income-with-10-deposit/

First Time Buyer Mortgage 5.5 times income with 10% deposit

From 26th April 2021, we will have access to an exciting new mortgage aimed at first time buyers which will allow them to borrow up to 5.5 times income on a mortgage. Where this is really special and exciting is it goes all the way up to 90% loan...

https://www.nicheadvice.co.uk/first-time-buyer-mortgage-5-5-times-income-with-10-deposit/

First Buy to Let Property Mortgage Questions

First Buy to Let Property Mortgage Questions video tried to answer some of the most common questions asked by First Time Buyer Buy to Let clients at Niche Advice. ⏱️TIMESTAMPS⏱️ Just click on the Topic links below 0:00 Intro 1:02 Am I seen as a First Time Buyer 1:45 What is a Minumu deposit needed for a First Time Buy to Let Mortgage 2:47 Can Family and freinds help to purchase Buy to Let Mortgages for Investment Properties 3:59 Does clients personal income matter for First Time Buy to Let Mortgages 6:18 12 How can you buy if you have low income 7:09 Does the Property Location matter 8:40 What\'s the Min age for First Time Buyer Buy to Let Mortgage Products 9:02 Can you buy in single name if you married 9:52 Limited company first-time landlords can it be done 10:15 Minimum Property valuation prices 10:27 Buy to Let the source of deposits where can the money come from 11:57 Can you a Buy to let Mortgage on a Visa 12:48 HMO Mortgages for First Time Buyer Buy to Lets 13:50 C

https://www.youtube.com/watch?v=BXGEf5xfNQ0

Small Deposit Mortgage Products are they worth it?

We talk more about Small Deposit Mortgage Products such as the 5% Deposit Mortgage Guarantee Scheme which will be fully launched on April 19th 2021. Payam Azadi Mortgage broker at Niche Advice also talks about the good and bad points of a 5% mortgage and Small Deposit Mortgage Products and what clients should watch for in the future. ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 ++++++++++++++++++++++++++++++++++ If you need Mortgage Advice do get in touch with Payam Azadi at Niche Advice https://www.nicheadvice.co.uk/contact... T:0207 9932044 www.nicheadvice.co.uk ++++++++++++++++++++++++++++++++++ THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. AS A MORTGAGE IS SECURED AGAINST YOUR HOME OR PROPERTY,IT COULD BE REPOSSESSED IF YOU DO NOT KEEP UP THE MORTGAGE REPAYMENTS. The content of this Video does NOT constitute giving advice it is purely designed for

https://www.youtube.com/watch?v=Gk4TJB6xE2I

Help to Buy Caps introduced on the maximum property value

Help to Buy England & Wales Update The Government Help to Buy Scheme has been a huge success and enabled many people become home owners who might otherwise have been excluded. The Help to Buy Scheme has been refined along the way and is now only open to first time buyers. The property must a […] The post Help to Buy Caps introduced on the maximum property value appeared first on Mortgage Advice Experts.

https://www.nicheadvice.co.uk/help-to-buy-caps-introduced-on-the-maximum-property-value/

Help to Buy Caps introduced on the maximum property value

https://youtu.be/-NE1I8F5_zI Help to Buy England & Wales Update The Government Help to Buy Scheme has been a huge success and enabled many people become home owners who might otherwise have been excluded. The Help to Buy Scheme has be...

https://www.nicheadvice.co.uk/help-to-buy-caps-introduced-on-the-maximum-property-value/

Help to Buy Caps introduced on the maximum property value

https://youtu.be/-NE1I8F5_zI Help to Buy England & Wales Update The Government Help to Buy Scheme has been a huge success and enabled many people become home owners who might otherwise have been excluded. The Help to Buy Scheme has be...

https://www.nicheadvice.co.uk/help-to-buy-caps-introduced-on-the-maximum-property-value/

RIGHT TO BUY 2021 - LET ME SAVE YOU TIME AND MONEY

Payam Azadi is an Expert Right to Buy Mortgage broker and has been dealing with clients looking to buy their council homes via the Right to Buy scheme for over a decade. Payam has recorded many videos on the Right to Buy buying process and in this video tries to answer some of the main questions in 2021 for people looking at the Right to Buy for purchasing houses and flats. Please check out other videos by Payam on the Right to Buy subject Video 1: Council Right to Buy Mortgage criteria & process explained https://youtu.be/NcBRrmI8Tz4 Video 2: Right to Buy Mortgage - Frequently Asked Questions https://youtu.be/kFAEREX4bbU Video 3: Right to Acquire Mortgage for buying your housing association home https://youtu.be/FpORl3SYNp4 Government website: https://www.gov.uk/right-to-buy-buying-your-council-home ++++++++++++++++++++++ ++++++++++++ To subscribe to this channel click on the link https://www.youtube.com/channel/UCWu0TaWlZ4z6mFknWxpJshw?sub_confirmation=1 +++++++++++++++++++++

https://www.youtube.com/watch?v=kKIFq5nDt7s