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Can I use a lifetime mortgage to release equity from my buy to let property?

If you are thinking about purchasing or borrowing against, a Buy To Let property, it may be in your interest to learn more about your Buy To Let equity release options.   Buy To Let Equity Release schemes have been put in place for landlords who are looking to extend their Buy To Let investments, …

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How could equity release benefit retirees living alone?

Using an Equity Release scheme to release capital from your home is a good way for those over 55 to add to their retirement pot. This could be the extra support needed if living alone.   Could Equity Release increase your pension pot.   Data published recently revealed the number of single over-65s living alone …

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Information you need to provide to apply for a mortgage

When applying for a mortgage, lenders must be sure they know whom they are lending to and that you won’t overstretch your budget with your monthly payments, now and in the future. Listed below is the information required to assess affordability and advise appropriately: ☐ The ID for each applicant – Passport or Driving License …

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What are Defacqto ratings and how can they help you?

Defaqto is a service that compares financial products. Defaqto Ratings are ratings based on facts rather than opinions. Ratings are given to products based on the features and benefits they offer.   When you’re shopping for life cover, critical illness protection and income protection, you want to know you’re getting the best deal possible with …

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What is Joint Venture funding and how does it work?

Joint Venture Funding, often referred to as Equity Development Finance, is where two or more developers pool their resources to fund a project from start to finish. Unlike more traditional routes to funding, Joint Venture funding provides the opportunity to access up to 100% of the development costs for a project.   100% Development finance …

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What you need to know about converting your property into an HMO

A house in multiple occupation (HMO) is a property rented out by at least 3 people who are not from 1 ‘household’ (for example a family) but share facilities like the bathroom and kitchen. It’s sometimes called a ‘house share’.   BVA BDRC’s latest survey suggests the average yield for an HMO (house in multiple …

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Why is interest only better than a repayment mortgage for Buy To Let mortgages?

When you take out a mortgage there are two ways of repaying it. You can either go for an interest-only mortgage or a repayment mortgage.   But what’s the difference?   REPAYMENT MORTGAGE:    A repayment mortgage is when each month you pay back both the interest on your loan AND part of the loan …

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How can you help your employees with their financial worries?

Financial worries can be a primary cause of stress for many employees. Money worries don’t just affect an individual’s financial health, their physical and mental well-being can also be negatively impacted.   Subsequently, employees worrying about their finances can have a negative effect on the businesses they work for. Things like lower productivity, higher absenteeism …

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