by Luther | Mar 17, 2026 | Mortgage tips, Property conditions
Purchasing a property is one of the biggest financial decisions most people will ever make. Yet many buyers assume that once a solicitor is instructed, every potential issue with the property will automatically be identified and resolved. In reality, solicitors do not...
by Luther | Dec 12, 2025 | Case studies, Mortgage types, Property conditions
Six months after our last update, EWS1 issues are still causing major delays for homeowners and buyers. Many clients are struggling to arrange finance where their original EWS1 report was completed by Tri Fire, as lenders remain cautious about reports from certain...
by Luther | Nov 30, 2025 | Property conditions
Buying a Property in Poor Condition: Can You Still Get a Mortgage? If you’ve ever spotted a property with huge potential—but in need of serious work—you might have noticed estate agents advertising it as “cash buyers only” or sending it to auction. This often gives...
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 | Dec 10, 2024 | Case studies, Case Study - London, Mortgage types, Property conditions
Area: London Amount Raised: £500k Raising finance on buy-to-let properties situated above commercial premises is always a challenge. This is primarily due to the potential disruptions these properties can cause, which reduce the resale market and present a higher-risk...
by Luther | Oct 6, 2024 | BTL, Mortgage tips, Mortgage types, Property conditions
Understanding the Article 4 Area An Article 4 area is a designated zone where additional planning controls are in place to manage the conversion of residential properties into HMOs (Houses of Multiple Occupancy). This is often done to prevent over-saturation of HMOs...