Guide to Buy to Let Mortgages
Most guides to buy to let mortgages explain the product and stop. The product is the easy part. What catches landlords out is everything sitting around it: which facility suits which moment, what happens when you own four properties instead of three, and the growing pile of rules a lender now expects you to be […]
Guide to Second Home Mortgages
A second home is not a type of building. It is a type of use, and that distinction is the whole reason second home mortgages exist as a category at all. Buy a cottage by the sea and live in it at weekends, and it is a second home. Buy the identical cottage and let […]
Guide to Development Finance
Development finance is the only property lending where the thing being funded does not exist yet. Everything else follows from that. A lender cannot value a finished scheme that has not been built, so it lends against a forecast, releases the money in stages as the forecast turns real, and sends someone to check. That […]
Guide to Commercial Mortgages
Most guides to commercial mortgages stop at the definition. This one starts after it. If you already know you need a commercial mortgage, the questions that actually matter are different: what it will cost you all in, which lenders will look at your case, how long the whole thing takes, and what tends to go […]
Guide to Bridging Loans
Some property deals move neatly. The offer is accepted, the mortgage goes through, the solicitor behaves like a functioning adult, and everything completes on time. Lovely. Then there are the other deals. The ones where the auction deadline is getting closer. The sale has not completed yet. The property needs work before a mainstream lender […]