Best to avoid buy now pay later deals when you are about to apply for a mortgage

This is absolutely legit and can allow you to keep your residential property and avoid paying 6% ADS (3% in England) on your new house...

We'll tell you how to get a mortgage if you have a new job

3 tips to get your credit score back on track

If you are a first time buyer then you can get a mortgage with a £5K deposit!

The answer to this is surprisingly yes! Most lenders do not like that you are thinking about borrowing the deposit. The rationale is that...

Best strategy for lowering ADS on a BTL purchase

Right. This should be doable. As ever the devil is in the detail! There are 3 things that lenders will be wanting and it pretty much...

Check your credit score regularly. It's more important than affordability and how much a deposit you have!

You would have thought that this was not a big issue. Stop being a sole trader on Friday and open up your limited company on the Monday....

Sounds like a nonsense doesn't it. Sounds dodgy Surely you can't do that in this day and age? The answer is that you can but there are...

Are you considering buying out your partner in a residential home in the UK? It's important to be aware of the potential pitfalls and...

Lots of chatter about Tracker Rate Mortgages at the moment. Is it right for you, well, let's see....

It's not a dead duck when it comes to mortgages if you are retired. Let us steer you in the right direction

Tread carefully when the property is non standard construction. Lots to think about - and remeber you will need to sell at some point!

If you're dreaming of owning your own home but have recently started a new job, you may be wondering if this will hinder your chances of...

With the difficulties of long term let everyone seems to be piling into AirBnB but you need to be careful on the fiunding side of things

Are you dreaming of owning a home but worried that having a default on your credit history might ruin your chances? We're here to shed...

Did you know that there is a way to potentially save thousands of pounds on your mortgage?

We understand securing a mortgage can be a daunting task, especially when you're self-employed. But fret not, because we're here to help

Are you dreaming of owning your own property but also want to earn some extra income by renting out a room? Good news! We're here to shed...

We want to shed some light on the general criteria regarding gifted deposits for mortgages in the UK. 📝 GENERAL PRINCIPLE: The mortgage...

Guarantor Mortgages have changed but in essence, are the same! Helps with affordability to allow your kids to get on the property ladder

What are the age restrictions that apply to mortgages. We explain everything here.....

Many are the time that I have been asked if you can use a BTL mortgage to flip property. As with many things the answer is in the...

We talk at length about mortgage fraud and the steps that we need to take to ensure that we are not victims ourselves of this. Facebook...

We interview Barry Walker of Walker Wylie Estate Agents. Great chat with him and gives some wonderful insight into the current market....

I guess that when you get offered employment your first hope is that the offer of employment is on a permanent basis but there are some...

This week we review the housing market, update you on what has been happening at Machrihanish and the First Home Fund makes a...

The gig economy is huge whether it be buying a Big Mac, ordering a Domino’s Pizza, or getting your next Amazon delivery. We might not...

We talk to our latest guest "The Investor". We are going to track this newbie's adventures as he starts out on the property journey. He...

Let me explain what the lenders are looking at when they decide to lend over commercial premises

Great insight into property with a business coach who has skin in the game

The offset mortgage is probably the best-kept secret in the mortgage world. Very powerful. Let me explain.........

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We explain the First Home Fund, the £25K loan from the Scottish Government. Explain the process that is involved and the pros and cons

We talk about the property market in Glasgow, tell you a little about how things have been going at the firm over the last 6 months and...

Think long before investing in a limited company Buy to Let. Red tape, additional costs, and who knows - the government could change rules!

The market spike continues. Cladding is the topic of the day as the UK Government releases more money. We talk BTL also.

Cladding is and will remain an issue until all properties are rid of the defects. Here we explore what you will face if you want to buy

BTL is more about rental income than it is about your income. Some lenders have no minimum income requirements

This week we talk about the crazy January market and how as a first time buyer you should come back in March. We look back on lock down...

Lenders are looking at income to calculate how much they are going to lend to you. Where you are employed ie PAYE then it is pretty...

Let's face it this is not a good start. The lenders want to know that you are going to be a decent bet to pay your new mortgage on time...

Getting a mortgage is very much about convincing the lenders that you are a good bet that you will not default on the payments. It is for...

Getting a mortgage is not just about how much money you earn. It's as much about what you spend that income on as it is about income!...

With us now coming to nearly the anniversary of the first lock down, so much has changed in the land of work. With so many employers now...