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Jonathan

Jul 242 min read

How can I improve my credit score?

3 tips to get your credit score back on track

5 views0 comments

Can I get a mortgage - I've only got a £5K deposit?

Jonathan

Jul 232 min read

Can I get a mortgage - I've only got a £5K deposit?

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

3 views0 comments

Can I get a mortgage and borrow the deposit?

Jonathan

Jul 221 min read

Can I get a mortgage and borrow the 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...

4 views0 comments

Lower ADS - Retain your property - Buy a new one

Jonathan

Jul 192 min read

Lower ADS - Retain your property - Buy a new one

Best strategy for lowering ADS on a BTL purchase

8 views0 comments

Can I get a BTL mortgage if I am about to retire?

Jonathan

Jul 181 min read

Can I get a BTL mortgage if I am about to retire?

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...

1 view0 comments

Can I get a mortgage - my credit score is low?

Jonathan

Jul 162 min read

Can I get a mortgage - my credit score is low?

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

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Can I get a mortgage going from sole trader to limited company?

Jonathan

Jul 82 min read

Can I get a mortgage going from sole trader to limited company?

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....

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Jonathan

Jul 52 min read

Can I buy a property without a deposit?

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...

4 views0 comments

Can I get a mortgage and buy out my partner?

Jonathan

Feb 252 min read

Can I get a mortgage and buy out my partner?

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...

33 views0 comments

Can I get a mortgage that tracks the base rate?

Jonathan

Feb 112 min read

Can I get a mortgage that tracks the base rate?

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

15 views0 comments

Jonathan

Jan 212 min read

Can I get a mortgage? - I've retired!

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

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Can I get a mortgage - it's non standard construction?

Jonathan

Jan 172 min read

Can I get a mortgage - it's non standard construction?

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

31 views0 comments

Can I get a mortgage - I've just started a new job

Jonathan

Jan 92 min read

Can I get a mortgage - I've just started a new job

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...

23 views0 comments

Jonathan

Dec 18, 20232 min read

Can I get a BTL mortgage and do AirBnB?

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

19 views0 comments

Can I get a mortgage if I have a default?

Jonathan

Dec 3, 20232 min read

Can I get a mortgage if I have a default?

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...

4 views0 comments

Jonathan

Dec 3, 20232 min read

MORTGAGE HACK - MAKE OVERPAYMENTS

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

37 views0 comments

Can I get a mortgage if I am self employed?

Jonathan

Nov 26, 20232 min read

Can I get a mortgage if I am self employed?

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

9 views0 comments

Can I get a mortgage and rent one of the rooms?

Jonathan

Nov 18, 20232 min read

Can I get a mortgage and rent one of the rooms?

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...

53 views0 comments

Can I get a mortgage with a Gifted Deposit?

Jonathan

Nov 12, 20232 min read

Can I get a mortgage with a Gifted Deposit?

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

15 views0 comments

Can I get a mortgage - my dad will be a guarantor?

Jonathan

Mar 14, 20233 min read

Can I get a mortgage - my dad will be a guarantor?

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

168 views0 comments

Jonathan

Feb 21, 20233 min read

Can I get a mortgage - or am I too old?

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

27 views0 comments

Can I get a BTL mortgage and flip the property?

Jonathan

Aug 23, 20212 min read

Can I get a BTL mortgage and flip the property?

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...

770 views0 comments

EPISODE 83 - Fraud - Facebook - Insurance

Jonathan

May 13, 20211 min read

EPISODE 83 - Fraud - Facebook - Insurance

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...

20 views0 comments

Jonathan

May 13, 20211 min read

EPISODE 82 - The Barry Walker Interview

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

20 views0 comments

Can I get a mortgage on a fixed term contract?

Jonathan

Apr 25, 20212 min read

Can I get a mortgage on a fixed term contract?

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...

1,578 views0 comments

EPISODE 81 - Market - Machrihanish - FHF

Jonathan

Apr 25, 20211 min read

EPISODE 81 - Market - Machrihanish - FHF

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

5 views0 comments

Can I get a mortgage on a zero hours contract?

Jonathan

Mar 30, 20212 min read

Can I get a mortgage on a zero hours contract?

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...

86 views0 comments

Jonathan

Mar 16, 20211 min read

EPISODE 80 - The Investor

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...

18 views0 comments

Can I get a mortgage - it's above commercial premises?

Jonathan

Mar 14, 20213 min read

Can I get a mortgage - it's above commercial premises?

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

787 views0 comments

EPISODE 79 - Interview with Javier Peralta

Jonathan

Mar 8, 20211 min read

EPISODE 79 - Interview with Javier Peralta

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

8 views0 comments

Can I get an Offset Mortgage - What's that?

Jonathan

Mar 4, 20213 min read

Can I get an Offset Mortgage - What's that?

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

68 views0 comments

Episode 78 - Sourcers - Solicitors - "8 Pillars of Trust"

Jonathan

Mar 1, 20211 min read

Episode 78 - Sourcers - Solicitors - "8 Pillars of Trust"

Soundcloud Apple podcasts Spotify

11 views0 comments

Can I get a mortgage? I've only got a 5% deposit

Jonathan

Feb 25, 20213 min read

Can I get a mortgage? I've only got a 5% deposit

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

35 views0 comments

Episode 77 - Market - 6 months - First Home Fund

Jonathan

Feb 23, 20211 min read

Episode 77 - Market - 6 months - First Home Fund

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...

3 views0 comments

Can I get a BTL mortgage - Limited Company

Jonathan

Feb 22, 20214 min read

Can I get a BTL mortgage - Limited Company

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

111 views0 comments

Jonathan

Feb 10, 20211 min read

Episode 75

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

10 views0 comments

Can I get a mortgage? - it's got cladding

Jonathan

Feb 10, 20214 min read

Can I get a mortgage? - it's got cladding

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

2,000 views0 comments

Can I get a BTL mortgage - I've not got much income

Jonathan

Feb 4, 20214 min read

Can I get a BTL mortgage - I've not got much income

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

213 views0 comments

Jonathan

Jan 31, 20211 min read

Episode 74

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...

23 views0 comments

Jonathan

Jan 26, 20214 min read

Can I get a mortgage - I own a company

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...

1,025 views1 comment

Can I get a mortgage - I've missed a mortgage payment

Jonathan

Jan 17, 20213 min read

Can I get a mortgage - I've missed a mortgage payment

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...

188 views0 comments

Can I get a mortgage - I have a missed payment?

Jonathan

Jan 10, 20213 min read

Can I get a mortgage - I have a missed payment?

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...

32 views0 comments

Can I get a mortgage - Not sure I have enough income

Jonathan

Dec 30, 20201 min read

Can I get a mortgage - Not sure I have enough income

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!...

60 views0 comments

Can I get a mortgage - I've only been trading for a year?

Jonathan

Dec 30, 20203 min read

Can I get a mortgage - I've only been trading for a year?

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...

50 views0 comments

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