Key Takeaways New builds with a PCC (Proprietary Consumer Code) certificate instead of the standard 10-year warranty may face unexpected mortgage application rejections. Developers sometimes opt for a PCC to cut costs, but lenders often view this as a red flag and may...
Key Takeaways High value holiday let mortgages require specialised expertise and often necessitate working with niche brokers and lenders. Traditional stress testing methods may be inadequate for luxury holiday lets, prompting the need for alternative assessment...
Key Takeaways High value buy to let mortgages often require specialised brokers and lenders Traditional stress testing may be insufficient for premium properties Alternative options like top slicing can help secure necessary borrowing Lenders with flexible criteria...
Key Takeaways Equity partners often face unique challenges when applying for mortgages due to complex income structures. Traditional lenders may struggle to accurately assess the true earning potential of equity partners. Specialist mortgage brokers can help equity...
Key Takeaways High earners may qualify for loans exceeding 4.5 times their salary Options include higher loan-to-value ratios and interest-only mortgages Specialist brokers can facilitate access to bespoke mortgage products Certain professions may be eligible for...
Key Takeaways Professionals may be eligible for mortgages exceeding 4.5 times their salary Specialist brokers like Private Mortgages can secure potentially better terms for certain careers Specific professions (e.g., doctors, solicitors, financial advisers) may...
