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Knowledge

Mortgage articles and guides

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Arranging a mortgage can be a complicated process. To help, we have put together some useful guides and articles, to give you some background information and know how.

And when you are ready, our advisers will be happy to help arrange your mortgage.

GUIDES

INTRODUCTION TO MORTGAGES

FIRST TIME BUYER MORTGAGE GUIDE

REMORTGAGE GUIDE

INTRODUCTION TO BRIDGING LOANS

SPECIAL PURPOSE VEHICLE (SPV) LTD CO’s

SA302 TAX CALCULATION

MORTGAGES & DIVORCE

BUY TO LET GUIDE

HOLIDAY LET GUIDE

SECOND HOME GUIDE

GUIDE TO SELF EMPLOYED MORTGAGES

GUIDE TO AUCTION FINANCE

TRANSFER OF EQUITY EXPLAINED

GUIDE TO HOLIDAY LETTING

GUIDE TO SPV MORTGAGES

MORTGAGE BASICS

FIXED RATE MORTGAGES

TRACKER MORTGAGES

VARIABLE RATE MORTGAGES

JARGON BUSTER

LOAN TO VALUE (LTV)

REPAYMENT MORTGAGES

INTEREST ONLY MORTGAGES

PART AND PART MORTGAGES

PROPERTY SURVEYS

STAMP DUTY LAND TAX (SDLT)

ENERGY PERFORMANCE CERTIFICATES (EPC)

EARLY REPAYMENT CHARGES (ERC)

ARTICLES

Rental Income Tax Rises Again: What the 2026 Budget Means for Landlords
Case Study: Live/Work Holiday Let Purchase
Raising Money to Pay a Tax Bill: Why Lenders Say No, and How a Second Charge Can Help
Settling an HMRC Liability on a New Holiday Let: The Case for a Second Charge Bridge
Is the Property You Intend to Buy Suitable for a Holiday Let?
How to Choose a Mortgage Broker: What to Look For
Remortgaging Through the Q3 Repricing Wave with One Year of Self-Employed Accounts
Remortgage Activity Surges in Q3: What It Means If Your Deal Is Ending
Start With the End: Why Your Exit Plan Comes First in Development Finance
Buying a Holiday Let? Why a Second Charge Could Help You Borrow More
Bridging In, Mortgaging Out: A Scottish Holiday Let Refurbishment
How to Improve Your Credit Score Before Applying for a Mortgage
Awaab’s Law and the Private Rented Sector
Case Study: Keeping and Letting a UK Home After a Move to Australia
Should I Fix My Mortgage Now? Making Sense of a Market That Keeps Changing Its Mind
Moving Abroad but Keeping Your UK Home: Why Timing Matters for an Expat Buy to Let
Mixed-Use Purchase – Farmhouse with Ancillary Accommodation and Holiday Let
Making Sure You Have Enough Lender Choice
Adverse Credit Mortgage Sales Hit Their Highest Level Since 2008: What It Means for Borrowers
Your First Home: New Government Scheme Could Help First-Time Buyers Onto the Ladder With Just a 2.5% Deposit
Clearing the Loan on Your Retirement Holiday Let – A Plan That Holds Even in a Flat Market
Case Study: Securing a Future Retirement Home with a Holiday Let
Buying Your Future Retirement Home Now – Using a Holiday Let to Get There
Can I Get a Mortgage With a Default Registered on My File?
Which Year Counts? How Drake Turned an AI Averaging Error Into a Completed Purchase
Buying a Holiday Let in Personal Names and Leasing It to Your Company: Good Idea?
Case Study: Expat Holiday Let Mortgage in Scotland
Bridging the Deposit Gap on an Unmortgageable Probate Property
Buying a Property That Needs Converting Before You Can Let It
Top Slicing Secures a High-End Lake District Holiday Let
123…5 Next
Kerry, Dawn and the rest of the team were brilliant. So responsive to communication and held our hand right the way through, even with post completion queries that as first buyers we had no clue about. Kerry was completely non-judgmental and just wanted the best for us. Would recommend Kerry and Drake Mortgages to anyone and we will be back for further help in future I'm sure!

Claire Saunders

We had a fantastic experience with Drake Mortgages. My partner and I are first time buyers and both pretty clueless so it was really helpful to have Kerry Santucci explaining the different features of different mortgages and finding the best one for us. Thoroughly recommend her and the rest of the team at Drake Mortgages.

Mark Whitgift

Thank you for your help throughout this process, we are very happy with the service provided and would not hesitate to recommend you.

Kat & Gary

Camden London N9
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Thank you so very much for your help. We have finally completed on our purchase. At last we got there. Your assistance was invaluable.

Rob

Muswell Hill, London N10
Best service I've ever had from a mortgage advisor, or any financial advisor for that matter! Always very professional but also practical and personable. Every step of the way, we had help and answers available to us.

Amanda Aldercotte

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