HMRC SA302 & Tax Year Overviews for getting a Mortgage

Evidencing income you self-declare tax on  - SA302 & Tax Year Overviews for Mortgage Lenders. A HMRC SA302 & Tax Year overviews will be required for any given year requested. Please read below for some guidance on what you need to do w...
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Woolwich Mortgages have made another change to their affordability criteria

Woolwich will now lend up to 5 times income for certain type of mortgages. Surprise, surprise Woolwich Mortgages have decided to change their mind again and put in yet another income multiple revision. Historically Woolwich mortgages was one of the ...
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Abbey - Santander changes Mortgage income rules for First Time Buyers

Bad news as Abbey - Santander changes Mortgage income rules for First Time Buyers to 4.49x income. As if things where not bad enough we have seen yet another lender real under pressure of the regulators by introducing even more prudent loan to inco...
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Guide to getting a Mortgage for self-employed applicants

2015 guide on getting a Mortgage for self-employed applicants.  A must read for all entrepreneurs looking to buy property. Following the regulatory mortgage market review (MMR) last year the lenders have implemented changes to the way they assess s...
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Different lenders affordability criteria

Where do I stand on the lenders affordability criteria, following all the changes in recent months? Maximum affordability is the ‘real issue’ facing the UK mortgage market, and not rates. In this article I will explain the why rate has become se...
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Woolwich limits income multiples for applicants with less than 20% deposits

This message only relates to applicants with less than 20% deposits with Woolwich who will see there income multiples reduced. Woolwich are the latest lender to succumb market pressures and have reduced their loan-to-income ratio to a maximum of ...
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Uk’s Cheapest 10 year fixed mortgage

Niche Advice and Woolwich for Intermediaries offers Uk’s Cheapest 10 year fixed mortgage at 2.99% From tomorrow 07/01/2015 we are introducing the UK’s lowest ever 10 year fixed rate mortgage at 2.99% for residential loans up to 60% LTV. This d...
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