by Luther | May 30, 2025 | Case studies, Lifestyle, Mortgage tips, Mortgage types
Client Background Our client approached us just one month before their existing mortgage deal was set to expire. They were unaware that they could secure a new mortgage product at least three months in advance, allowing them to lock in rates and potentially avoid...
by Luther | May 27, 2025 | Case studies, Case Study - London, Complex Mortgages, Mortgage tips, Mortgage types, News, Property conditions
Achieving full homeownership is a significant milestone, often perceived as a straightforward process when a buyer possesses a strong financial profile. However, as this case study illustrates, even seemingly uncomplicated mortgage applications can present unexpected...
by Luther | Mar 17, 2025 | Mortgage tips, News
In the ever-evolving world of property purchases, expats face a distinct set of challenges—none more unique than securing a mortgage for homes with annexes. A thorough understanding of the process and lender criteria is essential for a seamless experience. Lender...
by Luther | Mar 13, 2025 | Mortgage tips, News, Self-employed
In the quest for homeownership, securing a mortgage can be a daunting task, particularly for self-employed individuals. One vital aspect often overlooked is how undrawn profits from a company can be utilised as income for mortgage purposes. Understanding Shareholding...
by Luther | Feb 28, 2025 | Mortgage tips, News
A prominent lender has recently unveiled an enhancement to its loan-to-income (LTI) multiples, significantly increasing the borrowing potential for higher-earning individuals to 5.5 times their salary. This new offering aims to make home ownership more accessible and...
by Luther | Feb 19, 2025 | Mortgage tips, News
The Bank of England recently reduced the base rate to 4.5%, with further cuts expected later this year. This reduction has already had a significant impact on mortgage affordability. Lenders’ Stress Test and Affordability Lower interest rates can enhance...