Clearing the Loan on Your Retirement Holiday Let – A Plan That Holds Even in a Flat Market
Buying your future retirement home now and letting it as a holiday let in the meantime solves one problem: it locks in today’s price before the property you want moves out of reach. But it raises a fair question of ...
Buying Your Future Retirement Home Now – Using a Holiday Let to Get There
Many people picture a specific home for their retirement. A cottage by the coast, a place in a favourite corner of the countryside, somewhere they have holidayed for years. The instinct is usually to wait: keep working, keep saving, and ...
Can I Get a Mortgage With a Default Registered on My File?
Finding a default on your credit file can be alarming, and many people assume it closes the door on home ownership for years. It does not. A default does not automatically prevent you from getting a mortgage. As with most ...
Buying a Holiday Let in Personal Names and Leasing It to Your Company: Good Idea?
Personal-name mortgage rates look cheaper on paper. The lease that makes the tax work can make you a mortgage prisoner. Buying a Holiday Let in Personal Names and Leasing It to Your Company: Why We Advise Against It The question ...
Buying a Property That Needs Converting Before You Can Let It
Why a holiday-let lender will not fund a conversion, and how a two-stage bridge-to-let structure solves it. It is a common and understandable plan: find a property with potential, buy it, convert it, and let it out as a holiday ...
Top Slicing on Holiday Let Mortgages: When the Rental Cover Assessment Falls Short
How surplus personal income can bridge the gap between the loan a holiday let can service on paper and the loan you actually need – including for limited company applications. For most holiday let mortgages, the size of loan a ...
Credit Score vs Credit Search: Why a Good Borrower Can Still Be Declined
Understanding the difference between the number a lender scores you on and the record they actually read. If you have ever been turned down for a mortgage despite a solid income and a healthy deposit, the reason is often misunderstood. ...
Joint Borrower Sole Proprietor tops the residential mortgage search charts
Joint Borrower Sole Proprietor (JBSP) has emerged as the most-searched residential criteria topic on Twenty7Tec, the mortgage sourcing platform used across much of the UK broker market. According to the firm’s June 2026 data, JBSP ranked first – the single ...
The Private Rented Sector Database: What Landlords Need to Know
England is introducing a national register of private landlords and rental properties. It is one of the most significant changes to the buy-to-let landscape in a generation, and after months of testing the Government has now confirmed a start date. ...
England’s Short-Let Register: What Landlords Need to Know Before March 2027
After years of consultation and repeated changes to the timetable, the government has now confirmed a firm date for England’s national register of short-term and holiday lets. Speaking in Parliament on 3 September 2026, Culture Secretary Lisa Nandy told MPs ...
The Cumberland Holiday Let Index 2026: A Resilient, Maturing Market
The holiday let market has been the subject of plenty of speculation over the past couple of years. The abolition of the Furnished Holiday Let (FHL) tax regime, the prospect of tighter planning rules and rising operating costs led many ...
Bridging Finance for Investment Property: Why the Exit Now Decides the Deal
Bridging finance has always been repaid in one of two main ways: you sell the property, or you refinance onto a longer-term mortgage. What has changed is how hard lenders now test that plan before they lend. The exit is ...
Why a Mortgage Broker Beats AI: The Human Expertise a Chatbot Can’t Replace
Artificial intelligence can answer the questions you think to ask. A qualified broker answers the ones you didn’t – and stands behind the advice. AI tools have become a first port of call for people researching almost anything, mortgages included. ...
The Risks of Buying a New Build
The main risk is simple: you can become legally committed to complete before the property is finished, while your mortgage offer is already counting down. If the build slips and the offer expires, you may be left contractually bound to ...
Getting a Mortgage with Adverse Credit
If your credit file has a missed payment, a default or a County Court Judgment on it, the natural assumption is that a mortgage is off the table. In most cases it is not. Every month, UK lenders approve mortgages ...
Product Transfer or Remortgage? Which Route Is Right for You
When your fixed rate is coming to an end, you generally have two main ways to secure a new deal: a product transfer with your existing lender, or a remortgage to a new one. On the surface they can look ...
Is a Self-Employed Mortgage Based on Gross or Net Profit?
If you work for yourself, one worry comes up more than any other: will a mortgage lender look at everything my business turns over, or only what is left after tax? The honest answer is that neither extreme is right, ...
Porting Your Mortgage vs. Starting Again: What Really Happens When You Move
Moving home doesn’t mean losing a mortgage rate you’ve fought hard to keep. You can either port your existing deal across and carry your rate with you (usually without an early repayment charge), or redeem it and start fresh with ...
How HMO Mortgages Work: A Plain-English Guide
HMO mortgages aren’t just buy-to-let with extra bedrooms. Lenders value the property differently, cap borrowing at 70-75% loan-to-value, and stress-test the rent before they’ll lend. Get the licensing wrong and none of that matters. If you are looking to buy ...
A Beginner’s Guide to HMO Property Investing
A house in multiple occupation can out-earn a standard buy-to-let by renting room by room, but the upside comes with more to manage. Before you buy, check whether the property needs a licence, whether an Article 4 direction blocks conversion ...
The 75% Trap: Why the Bridging Loan You Are Quoted Is Not the Money You Receive
A 75% bridge does not hand you 75% of the price. Fees and interest come off the top first, so your real deposit is usually closer to a third. Here’s the maths, and how one investor used a bridge to ...
JBSP Case Study – FTB Purchase with a Parents Income
Ella, a first-time buyer, had the deposit but not quite enough income to buy her £270,000 flat. Adding her dad to the mortgage as a joint owner would have covered the shortfall, but it would also have triggered a £13,500 ...
Boosting Affordability Without the Stamp Duty Trap
Helping your child onto the property ladder can backfire at the Land Registry. Put a parent on the title alongside their child, and HMRC treats the parent as buying a second home, adding a 5% stamp duty surcharge and cancelling ...
Helping Your Child Buy a Home: Five Routes, and Why One Often Wins
Want to help your child buy a home? You’ve got five options: Joint ownership boosts what your child can borrow, but it comes with a nasty tax sting (the 5% stamp duty surcharge, plus losing first-time buyer relief). A JBSP ...