Choosing The Right Mortgage Lender

More mortgage choice means it’s more important than ever to choose the right lender Alpa Bhakta, CEO, Butterfield Mortgages Limited Recent years have seen a substantial increase in the number of mortgage products available on the market. Between 2016 and 2018, an additional 4,212 products were introduced into the residential […]

Buy to let changes for 2019

As 2018 draws to an end, there has been much to reflect upon in the buy to let market. There is plenty for landlords to ponder heading into 2019, as Andrew Turner, chief executive at specialist buy to let broker, Commercial Trust, explores. An evolving market The past couple of […]

Locking Down Low Mortgage Rates – How to Protect Yourself from Increases to Interest Rates

Industry experts are encouraging people to protect their finances from future increases to interest rates, as soon as they possibly can. Experts say that an increase to the base rate by the Bank of England is imminent and so they should ensure that they are locked into a fixed rate […]

Almost a Fifth of Buy-to-Let Landlords Plan to Exit the Market

The headline news from a survey conducted by the Residential Landlord Association is that almost one in five buy-to-let landlords plans to divest themselves of their portfolio.  The reasons for this include concerns about the housing market, changes to tax and the difficulties of getting a mortgage. Concerns about the […]

Should 100 per cent mortgages be reintroduced?

It’s probably fair to say that pretty much everyone in the UK would prefer to avoid a repeat of the 2008 financial crisis. It’s also pretty much indisputable that rash lending, including rash mortgage lending, played a major role in leading to the financial crisis. It’s therefore entirely understandable that […]

Buy to Let Mortgage Rules set to become stricter for Landlords from September

In September this year, there will be a significant change to the rules around how lenders judge whether or not a person can afford a buy-to-let mortgage. Landlords will have to move quickly if they wish to secure new mortgages before these rules take effect. The background Back in April […]

UK sees an increase in buy-to-let lending through limited companies

The number of buy-to-let investors borrowing money through limited companies has grown during the first six months of 2016. Transactional data shows that the number of limited companies that completed buy-to-let mortgage applications increased to 30% of all buy-to-let completions. This is an increase of 9% from the second half […]