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Yorkshire Building Society launches £5,000 deposit mortgage

Yorkshire Building Society (YBS) has unveiled a groundbreaking £5,000 deposit mortgage specifically designed for first-time buyers.
The unique product allows potential homeowners with the deposit to buy a property valued up to £500,000.
The building s…

Tories to Launch 99% Mortgages? Impact on Property Investors Unveiled

99% mortgages are on the horizon! Join Ranjan Bhattacharya as he dives into the details of this groundbreaking development and explores its potential impact on property investors.
What does this mean for those looking to enter the property market or e…

Cashback on BTL and Residential Mortgage Product Switches

Are you one of the 1.8 million property owners who have a fixed rate on their mortgage ending in 2024? If so, I hope you will find the following information useful.
Over the last 15 years, we have been spoilt by historically low-interest rates and have…

Landlords face limited BTL mortgage choices as deals vanish

Landlords searching for the perfect buy to let mortgage deal are in for a shock as growing numbers of lenders are pulling their products from the market, research reveals.
The latest analysis by Moneyfactscompare.co.uk found that dwindling options are …

Fleet cuts rates on its two- and five-year fixes

Fleet Mortgages has announced reduced product rates across its entire range of two-year and five-year fixed-rate products.
The buy-to-let specialist lender says that all two- and five-year fixes within its standard, limited company and HMO/MUFB (Multi…

Northern Rock excess mortgage interest claim?

I have come across a Northern Rock excess mortgage interest claim being started by Harcus Parker. Although they have not yet had High Court permission to pursue the claim, if it proceeds they say it will be on a No Win No Fee basis.

The Bank of England base rate rise – industry reacts

Reaction from the worlds of property and finance was swift after the Bank of England announced that its base rate would increase to 3%.
That means lending for landlords looking for a new mortgage deal just got more expensive.

Increased mortgage stress tests will push up rents, MPs told

Not only will rents rise but tenants will find it more difficult to find homes over the next year or two as landlords will be struggling with higher mortgage rates, MPs have been told.
At the Commons Treasury Committee

Interest Rate Rise Impact Calculator Wizard

Calculating the extra amount of interest you will pay as a result of the recent 0.25% interest rate rise isn’t exactly rocket science for some people. However, if numbers isn’t your thing and/or you would like to understand how the Bank of England deci…

How To Get a Bigger Loan on Low Yielding Rental Properties

If a landlord wants to raise maximum finance on a property with a very low rental yield, the mortgage amount might well be restricted based on rental income. However, with “Top-Slicing” this needn’t be the case.
Why would a landlord w…

A Smart Way To Pay For Tax and National Insurance Increases

To ease the pressure on the NHS the Government is increasing National Insurance by 1.25%, which means that your contribution will actually increase by more than 10%. But how will you find the funds to pay for this?
Recent research shows that more than …

Cheap money – don’t miss out!

Birmingham Midshires have just launched an interest only, five year fixed ate buy-to-let mortgage with an interest rate of just 1.95%.
Low geared landlords will be rubbing their hands with glee!
Only yesterday I spoke to a landlord who owns £1,000,000 …

Lifetime fixed buy-to-let mortgages where max LTV increases the older you are

Yes, you read that right. It is now possible to obtain BTL mortgages with an indefinite term and an interest rate that will never change, EVER!
Even if you’re 90 years old you can qualify for these buy-to-let mortgages with virtually no underwrit…

Can Lifetime BTL Mortgages be used to accelerate our plans?

Since reading two recent articles about Lifetime BTL Mortgages my head has been spinning with ideas, my conclusions from which I would like to sanity check with this superb online community.
As background; my wife and I are in our mid 70’s.
The p…

Lifetime BTL Remortages for over people over 75 years of age

This is an extremely niche BTL mortgage product, but I am sharing the details on behalf of a broker friend who specialises in this market.
It isn’t easy to get a BTL mortgage if you’re over the age of 75
The post Lifetime BTL Remortages for…

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