by Luther | Jun 2, 2025 | Mortgage tips, News
Halifax has quietly implemented a significant positive change for mortgage applicants relying on bonus income, potentially opening doors for many who have recently switched employers. Previously, borrowers needed a two-year bonus history with the same employer for...
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 | Apr 23, 2025 | Lifestyle, News
Stoke Bishop, one of the most sought-after neighbourhoods in Bristol and recently recognised by The Telegraph as one of the UK’s poshest suburbs, is not usually associated with affordability. With an average property price of £832,090 and some homes being sold for...
by Luther | Mar 18, 2025 | News
Starting from 17th March, Nationwide has implemented significant updates to its lending criteria, aimed at providing greater flexibility and support for borrowers. These changes focus on enhancing options for interest-only mortgages and foreign nationals without...
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...