Limited Company Buy-to-Let Mortgages can help a landlord purchase rental property through a company rather than in a personal name, but the structure is not automatically cheaper or more tax-efficient. For an investor comparing the two routes, Oakstead Finance’s...
For a buyer looking at a flat that seems attractively priced, getting a mortgage on a short lease flat can turn a normal purchase into a property-and-finance problem at the same time. The remaining lease term can affect valuation, resale prospects, mortgage term and...
The quick answer Bridging loan how it works comes down to three things working together: a temporary funding gap, property security and a credible exit. A bridge is short-term finance secured against property. It covers the period between money being needed and the...
For homeowners moving before a fixed deal ends, we usually start with mortgage porting explained in one sentence: the existing mortgage is repaid, and a new mortgage is applied for with the same lender while the existing deal may be carried across. A portable product...
One old missed payment and an unpaid CCJ from last month are both described online as “bad credit”, yet they are not the same mortgage case. When we assess a mortgage with bad credit, we look at the event itself, how recent it is, whether it has been settled, the...
