Frequently Asked Questions

Holiday Let Mortgages

• Are holiday let mortgages regulated?
• Are mortgages for holiday lets always repayment?
• Are there holiday let mortgages for limited companies?
• Can a limited company take out a holiday let mortgage?
• Can I Airbnb my house?
• Can I remortgage a holiday let?
• Can I stay in my own holiday let?
• Do holiday lets have to be fully furnished?
• Is Airbnb a furnished holiday let?
• What is a furnished holiday let?
• What is a SPV mortgage?
• What is consent to let?
• What’s the difference between buy to let mortgages and holiday let mortgages?
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Buy To Let Mortgages

• Are buy to let mortgages interest only?
• Can I change my mortgage to buy to let?
• Can I get a bridging loan for BTL?
• Can I live in my buy to let property?
• Can you buy to let without a mortgage?
• Can you remortgage a buy to let property?
• How many buy to let mortgages can I have?
• What is a mufb property?
• What is a SPV mortgage?
• What is a tenancy agreement?
• What is consent to let?
• What is let to buy?
• What’s the difference between buy to let mortgages and holiday let mortgages?
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Second Home Mortgages

• Can a holiday home be a main residence?
• Can a second home be rented out?
• Can I get a mortgage for a holiday home?
• Can you have 2 mortgages?
• What is a second home mortgage?

Bridging Loans

• Are bridging loans regulated?
• Can you extend a bridging loan?
• Can you get a mortgage on an auction property?
• How quickly can you get a bridging loan?
• Is a bridging loan a mortgage?
• What can a bridging loan be used for?
• What is a bridging loan exit strategy?

Remortgages

• Do I need a solicitor to remortgage?
• What does remortgage mean?
• What is a mortgage product transfer?
• What is a transfer of equity mortgage?
• Where can I get a Day One Re-mortgage?
• Why do people remortgage?

Development Finance

• Can I get finance to buy land to develop?
• What is development exit finance?
• What is property development finance?

Moving Home

• Can I move my mortgage to a different house?
• What does completion mean?
• What does Exchange of Contracts mean?
• What is a first time buyer mortgage?
• What is a Predicted Energy Assessment?
• What is porting a mortgage?

Commercial Mortgages

• Are commercial mortgages regulated by the FCA?
• Can my business buy its own property?

Homeowner Loans

• Does a secured loan affect remortgaging?
• How do homeowner loans work?
• What is a homeowner loan?
• What is a secured loan?

Mortgage Advice

• Are mortgage brokers regulated?
• Can a mortgage broker get you a better deal?
• Can you get mortgage advice over the phone?
• How to choose a mortgage broker?
• What are mortgage broker fees?
• What is a whole of market mortgage broker?
• Who do mortgage brokers work for?
• Who pays a mortgage broker?
• Who regulates mortgage brokers?
• Why should I use a mortgage broker?
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Mortgage Basics

• Agreement in Principle
• Building regulation search
• Can you buy a house at auction with a mortgage?
• Chancel Repair Liability Search
• Conservation Area Search
• Construction Industry Scheme (CIS)
• Environmental Search
• How do mortgage valuations work?
• How long does a mortgage decision in principle last?
• How long does a mortgage offer last?
• How much is a £100,000 mortgage a month?
• How much is a £150,000 mortgage a month?
• How much is a £200,000 mortgage a month?
• How much is a £300,000 mortgage a month?
• How much is a £400,000 mortgage a month?
• How to get SA302?
• Land Registry search
• Mortgage arrears
• Payday Loan
• Possession order
• Road Proposals and Public Paths Search
• Water and Drainage Search
• What are local searches?
• What are mortgage searches?
• What does APRC mean?
• What does CCJ mean?
• What does repossession mean?
• What does unencumbered property mean?
• What is a Higher Lending Charge?
• What is a mortgage deed?
• What is a repayment mortgage?
• What is a SA302?
• What is an Early Repayment Charge?
• What is an interest only mortgage?
• What is an SPV?
• What is conveyancing?
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