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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

Top Slicing Secures a High-End Lake District Holiday Let
Top Slicing on Holiday Let Mortgages: When the Rental Cover Assessment Falls Short
Credit Score vs Credit Search: Why a Good Borrower Can Still Be Declined
Beyond the Beaten Path
Joint Borrower Sole Proprietor tops the residential mortgage search charts
The Private Rented Sector Database: What Landlords Need to Know
England’s Short-Let Register: What Landlords Need to Know Before March 2027
The Cumberland Holiday Let Index 2026: A Resilient, Maturing Market
Bridging Finance for Investment Property: Why the Exit Now Decides the Deal
Why a Mortgage Broker Beats AI: The Human Expertise a Chatbot Can’t Replace
The Risks of Buying a New Build
“I had a CCJ three years ago, so I assumed no one would lend to me.”
“The bank said I failed the credit score. I thought I had bad credit.”
Getting a Mortgage with Adverse Credit
Product Transfer or Remortgage? Which Route Is Right for You
Is a Self-Employed Mortgage Based on Gross or Net Profit?
From Unlettable Purchase to Trading Holiday Let: A Bridge-to-Holiday-Let Exit
Releasing Equity from a Mortgage-Free Holiday Let to Buy the Next One
Protecting a Sub-2% Rate on a Home Move: Porting and Topping Up With the Same Lender
Porting Your Mortgage vs. Starting Again: What Really Happens When You Move
Case Study: Financing a First HMO Through a Limited Company
How HMO Mortgages Work: A Plain-English Guide
A Beginner’s Guide to HMO Property Investing
The 75% Trap: Why the Bridging Loan You Are Quoted Is Not the Money You Receive
JBSP Case Study – FTB Purchase with a Parents Income
Boosting Affordability Without the Stamp Duty Trap
Helping Your Child Buy a Home: Five Routes, and Why One Often Wins
Raising Funds for Home Improvements Without Losing a Low Fixed Rate
Expat Mortgage Case Study: How a Dubai-Based Buyer Secured a Devon Cottage Without the Holiday Let Restrictions
Moving Back to the UK: Your Expat Mortgage Explained
1234 Next
Really helped to get our holiday let mortgage when other brokers had let us down. Can thoroughly recommend and will be using Drake again.

Jonathan Camp

It’s great news. Many thanks for everything and your service as always. Will be back in touch when we next need your help.

Dean

Mitcham London CR4
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

Kerry and Dawn were absolutely brilliant from start to finish for our first Time buy recently. As newbies we had a lot of questions which were responded to very quickly and clearly. Service was outstanding and I can't reccomend enough. Thank you!

Bec

It’s great news. Many thanks for everything and your service as always. Will be back in touch when we next need your help.

Dean

Mitcham London CR4
I have used Drake Mortgages a number of times over the years. Kerry and Dawn are both highly professional and efficient in the service provided. I have always been pleased with the deals they have been able to source as well as the on hand advice and help available. I would have no hesitation in recommending them.

Alexander Cohen

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