The mortgage market has changed over recent years. In 2008 you could get a mortgage with no deposit and without providing income proof. Lenders have since been stung and tightened up their systems and lending policies. The changes have made it more important that ever to use a mortgage broker. Mortgage brokers can help to access the most suitable mortgage product. This section covers mortgages on Joint Mortgage with Siblings, Remortgaging An Inherited Property, Mortgage in Probationary Period, Our Guide to Supply Teacher Mortgages, Mortgages for Dentists, Sole Trader Mortgage, Graduate Mortgages, Tier 2 Visa Mortgage and many more.

Tier 2 Visa Mortgage

By |2021-10-01T10:32:02+00:00April 29, 2021|Knowledge Mortgages, Mortgages, Non Standard Residency Mortgages|

If you are a foreign national living and working in the UK with a tier 2 visa, you may be wondering if you are able to take out a mortgage loan. You may be interested in buying a property in the UK as a long-term investment or depending on your work contract and personal situation you may wish to buy a property on a temporary basis until you move back to your home country instead of renting your accommodation.

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Expat BTL Mortgage

By |2021-10-04T12:58:42+00:00April 28, 2021|Investment BTL Mortgages, Knowledge Mortgages, Mortgages, Non Standard Residency Mortgages|

Property prices in the UK have steadily risen and many see this as a good investment opportunity considering rental income can help finance the purchase. You may wish to purchase a buy to let property as an investment, but you are an UK expat living abroad so you may be wondering if it’s possible to get a mortgage loan in the UK, even if you are paid in a foreign currency. The good news is it is possible, even if you are classed as self-employed.

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Mortgage for Prefab Concrete House

By |2021-10-01T13:17:05+00:00April 28, 2021|Knowledge Mortgages, Mortgages, Mortgages for Different Properties|

You may have found your dream home or looking to invest in a buy to let but the property you have found is made of concrete. Properties with non-traditional construction can be more difficult to get a mortgage for and may cause complications when trying to insure the property or may when a home survey is carried out.

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Single Parent Mortgage

By |2021-10-03T10:07:03+00:00April 28, 2021|Knowledge Mortgages, Mortgages, Mortgages for Different Occupations / Income Types|

Being a single parent and trying to get on to the property ladder could be a challenge but it is possible to purchase a home as a single parent. There are lenders available for a single parent looking to get a mortgage and competitive products and deals on offer. In this article we discuss the main factors to getting a mortgage as a single parent.

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Mortgage Loan to Value Bands

By |2021-08-03T13:08:05+00:00April 28, 2021|Knowledge Mortgages, Loan to Values / Deposits, Mortgages|

You may have heard of the term loan to value in mortgages or heard lenders quote loan to value figures in mortgage deals. It can be an important factor has it can have an effect on the cost of your mortgage and how much you can borrow. A lower loan to value ratio is optimal. It can be referred to ‘LTV’ in its short form.

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Mortgage on Listed Building

By |2021-10-07T17:39:43+00:00April 5, 2021|Knowledge Mortgages, Mortgages, Mortgages for Different Properties|

If you are considering getting a mortgage on an older property, it could be a listed building and arranging a mortgage loan for this type of building may not be as straight forward as a normal standard property.

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Further Advance Mortgage

By |2021-07-28T14:32:59+00:00March 6, 2021|Knowledge Mortgages, Mortgages, Remortgages|

If your home has increased in value, you may be able to take advantage of a further advance from your current mortgage lender but just because you have been approved a mortgage loan previously, it doesn’t necessarily mean you will definitely be approved again, nor is the lender under any obligation to accept you.

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Help To Buy Mortgages

By |2021-07-28T14:29:02+00:00March 5, 2021|Knowledge Mortgages, Mortgage Ownership Equity Transfers, Mortgages for Different Properties|

Over the recent years, the property market has seen an immense boost in house prices but in comparison wages have not been rising at a competitive rate. The slow wage growth and with stricter lending laws and regulations since the 2007 – 2008 financial crisis has led to a large proportion of the population struggling to get on the housing ladder.

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Adding Partner to Mortgage

By |2021-07-28T14:30:33+00:00March 1, 2021|Knowledge Mortgages, Mortgage Ownership Equity Transfers, Mortgages|

You may have a long term partner who you have been living with and are thinking about taking the next steps in your relationship and considering to add your partner to your mortgage. It usually isn’t a problem because if you have a partner that can contribute financially, there is an increased chance of your mortgage loan being paid off, but it isn’t as easy as just adding a name so in this article we will discuss in further details the step that are required to add your partner to your mortgage.

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Renovation Mortgage

By |2021-07-28T14:41:10+00:00February 22, 2021|Investment BTL Mortgages, Knowledge Mortgages, Mortgages for Different Properties|

You may find yourself in a situation where you require a renovation mortgage. It could be you want to buy a run down property and take on the project of renovating it. Or you wish to carry out sizable repairs on your own property. Or perhaps..

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About Us

NeedingAdvice.co.uk Ltd is Registered as a Limited Company in England & Wales No. 12978572. Registered Address: 107-109 Far Bank, Shelley, Huddersfield, United Kingdom, HD8 8HT. NeedingAdvice.co.uk Ltd is an Appointed Representative of Rosemount Financial Solutions (IFA) Ltd which is authorised and regulated by the Financial Conduct Authority (FCA). Entered on the FCA Register (https://register.fca.org.uk/) under reference 535515. The information contained within this website is subject to the UK regulatory regime, and is therefore targeted at consumers based in the UK.

What We Offer

Rosemount Financial Solutions (IFA) Ltd is a Limited Company registered in England & Wales, No 05668905. Rosemount House 2-4 Chequers Road Basingstoke Hampshire RG21 7PU Offering a highly efficient financial advice service by embracing technology with highly efficient people, skills. Solutions include Mortgages, Life Insurance, Relevant Life Policies, Critical Illness Cover.

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