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Buying Property in London as a US Citizen: 9 Things You Need to Know
If you're interested in buying property in London as a US citizen, you're not alone. And if you're wondering how easy it is to get a UK mortgage as a non-UK national, the good news is there are plenty of specialist lenders who will be willing to make you an offer. Written by: Sam Hodgson ...
How Do Mortgage Interest Rates Work?
Your mortgage interest rate is one of the most important factors to consider when buying a home - so how does it work? Interest is charged on every pound you borrow, so the higher the rate, the more you’ll pay back. If you're applying for a mortgage, it’s a good idea to understand the ...
A Guide To Bridging Loan Interest Rates
Bridging loan interest rates - how do they work and what can you do to keep costs down when using bridging finance to fund a property purchase? Bridging loans can be an excellent way to finance property and are often best suited to circumstances that demand speed and flexibility. theme-element?4...
Are Bridging Loans a Good Idea?
Bridging loans have become a popular funding solution in the last decade, but how do they really work and are they a good idea? A bridging loan can be a good idea depending on what kind of property finance you need, for how long, and whether you have a solid exit strategy in place. In this guide, ...
Can I Buy a House in the UK from Abroad? | 2025 Insights
There are a lot of myths and misconceptions about buying a house in the UK from abroad. Is it possible? The answer is a resounding YES. You might be a non-UK national looking to invest in the UK property market or an expat looking to buy property while you work overseas. Whatever your circumstances...
How to Get a Limited Company Buy to Let Mortgage
It has become more challenging to turn a profit as a landlord in recent years, but using a limited company buy to let mortgage could help you save and boost your margins. Here's how you could get one.. Written by: Sam Hodgson Whether you're buying your first investment property, or ...
NEWS: Are Mortgage Rates Going Down? [March 2025]
Following the Bank of England base rate dropping to 4.5%, it's likely mortgage rates will soon follow suit. The Bank of England voted to reduce the base rate to 4.5%, a reduction of 0.25%. This choice is in line with the government's emphasis on building economic growth and stability in the UK.&nbs...
NEWS: Will House Prices Drop in the UK in 2025? [March 2025]
Will house prices go down in the UK? The Bank of England base rate has dropped, but interest rates haven't changed significantly - we explain why and how it affects UK house prices. Written by: Sam Hodgson The 2025 housing market is off to a good start. Inflation has remained relatively...
What is Gazumping? 5 Ways to Avoid It
Being gazumped when buying a house is more than just frustrating - it can be financially and emotionally devastating. The strange, almost comic-sounding word ‘gazump’ is believed to come from the Yiddish ‘gezumph’, meaning to be cheated or overcharged - but there’s noth...
How much deposit do you need for a buy to let?
How Much Deposit do you need for a Buy-to-Let? You typically need a 25% deposit for a buy to let mortgage. However, some lenders will approve loans with 20%, or even 15% deposits, but they usually come with higher interest rates and/or product fees. To get a free comparison of the best opti...
Finance for Tech Companies | 10 Unique Options
Technology companies sit in a unique and modern financial position that comes with its own funding challenges. Often, a tech company requires significant upfront capital and investment to get off the ground, with considerable research, development, and marketing needs. With a business model that m...
Is Renovating Still Profitable in 2025?
The UK housing market has long been a haven for property renovators looking to turn a profit. But in 2025, with mortgage rates still relatively high and increased material costs, many are questioning if the renovation boom is finally slowing down. One of the biggest challenges facing renovators tod...
The Ultimate Guide to Buying Property in St John's Wood
St John's Wood stands as a prestigious and sought-after neighbourhood, favoured by affluent families, successful professionals, and international buyers seeking a blend of urban sophistication and leafy tranquillity in Prime Central London. This comprehensive guide explores St John's Wood's propert...
The Ultimate Guide to Buying Property in Regent's Park
Regent's Park, a crown jewel in London's property landscape, offers an unparalleled blend of regal history, verdant open spaces, and prestigious residences. This iconic area, home to the eponymous Royal Park, London Zoo, and world-class cultural institutions, has long been a magnet for discerning bu...
The Ultimate Guide to Buying Property in Maida Vale
Maida Vale, a charming and sought-after neighbourhood in West London, offers a unique blend of tranquil residential streets, picturesque canals, and excellent transport links. Known for its elegant Edwardian and Victorian architecture, tree-lined avenues, and the famous Little Venice area, Maida Val...
The Ultimate Guide to Buying Property in Kensington
Kensington stands as a vibrant and affluent neighbourhood, long favoured by young professionals, celebrities, and wealthy families seeking the epitome of luxury living in Prime Central London. This comprehensive guide delves into the area’s property market, exploring pricing trends, rental yi...
The Ultimate Guide to Buying Property in South Kensington
South Kensington stands as one of Prime Central London's most desirable neighbourhoods, renowned for its grand Victorian and Edwardian architecture and proximity to iconic cultural destinations. Favoured by affluent individuals, this upscale area offers a unique blend of historic charm and modern ...
The Ultimate Guide to Buying Property in Notting Hill
Notting Hill: a vibrant jewel in the heart of Prime Central London (PCL), celebrated for its picturesque streets, dynamic cultural scene, and prestigious properties. Here, in this detailed guide, we at Clifton Private Finance will walk you through an in-depth look at the local property landscape. E...
The Ultimate Guide to Buying Property in Holland Park
Holland Park's unique blend of natural beauty, historic charm, and urban sophistication makes it an enduring favourite in the Prime Central London property market. Despite recent market fluctuations, the area's fundamental appeal remains strong, offering excellent opportunities for both homeowners a...
The Ultimate Guide to Buying Property in Knightsbridge
Knightsbridge is quintessentially prime central London (PCL), epitomising luxury and exclusivity in one of the world's most desirable residential property markets. At Clifton Private Finance, we proudly guide discerning clients through the nuances of this prestigious market, providing tailored fina...
The Ultimate Guide to Buying Property in Belgravia
Belgravia, one of London's most exclusive and elegant neighbourhoods, offers an unparalleled blend of historic grandeur and modern luxury. Known for its white stucco-fronted townhouses, pristine garden squares, and prestigious address, Belgravia exudes sophistication and global allure. This compreh...
The Best Areas in Prime Central London for Property Investment
Prime Central London's allure as an investment destination is undeniable. While property values in the city centre are among the highest in the world, the area's enduring appeal, limited supply, and strong demand from affluent buyers contribute to its resilience and potential for capital appreciatio...
How To Invest in Prime Central London Property
The PCL property market has demonstrated remarkable resilience amidst economic challenges, positioning itself for a promising outlook in 2024. As the UK economy is expected to grow, putting the property market on a more optimistic track, the PCL sector has already showcased its strength. In 2023, ...
The Ultimate Guide to Buying Property in Mayfair
Mayfair stands as the epitome of luxury and exclusivity in Prime Central London. Favoured by high-net-worth individuals, this prestigious neighbourhood boasts world-class amenities. Such as: fine dining, bespoke tailoring, renowned art galleries, and lush parks, catering to a discerning clientele th...
The Ultimate Guide to Buying Property in Chelsea
Chelsea stands as a trendy and affluent neighbourhood, long favoured by young professionals, celebrities, and wealthy families seeking the epitome of luxury living in Prime Central London. This comprehensive guide delves into the area's property market, exploring pricing trends, rental yields, and...
The Ultimate Guide to Buying Property in Marylebone
Marylebone, a gem in the heart of London, offers a unique blend of village-like charm and urban sophistication. Known for its elegant Georgian architecture, chic boutiques, and proximity to some of London's most beloved green spaces, Marylebone has become one of the most sought-after residential are...
NEWS: The London Boroughs Climbing in Value Despite Property Slump
London’s property market shows a tale of two cities in 2025, with some areas witnessing unprecedented growth while others reveal steep declines. Against a backdrop of economic uncertainty, the market is offering unique opportunities for buyers, driven by notable price adjustments, increased s...
What is a UK Reverse Mortgage? | Explained
A reverse mortgage, or lifetime mortgage is one of a range of equity release products that allow those aged 55+ access the money locked into their home. At Clifton Private Finance, our equity release specialists are here to help you get the reverse mortgage you need, properly UK regulated and desi...
Distributor Finance | What You Should Know
Specialist business finance allows you to optimise your funding options to tailor solutions to your need - distributor finance is no exception. With a clearly defined goal of providing the funding required to secure stock for resale, distributor finance forms part of the suite of supply chain fina...
How To Get A UK Mortgage With A Foreign Income
Whether you're working abroad or a British resident earning in a non-pound sterling currency, applying for a mortgage with a foreign income can have its obstacles. Many high street banks will shy away from borrowers on a foreign income. Still, whether you're earning in Euros, Dollars, or Yen,&...
Unlocking Opportunities with 100% Development Finance
100% development finance can play a pivotal role in bringing ambitious property projects to life. It can provide the necessary capital for developers to acquire land and finance construction. Is it possible to find a lender willing to finance 100% development costs? Yes, but only if y...
How to Get a Joint Mortgage with a Non-UK National Partner or Spouse
Getting a joint mortgage where one partner is not a UK national can be challenging. We have a strong track record in matching international clients with the lending they need. Buying a home together is an exciting milestone, but for couples where one partner is not a UK national, securing a joint m...
What Deposit Do You Need For A Bridging Loan?
Generally, you'll need a deposit for a bridging loan or at least 20% equity in the transaction - and this can be through an existing property you own. The easiest way to check your eligibility based on your property values is to use our bridging loan calculator - it will confirm if you meet the loa...
Lifetime Mortgages | A Down-to-Earth Guide
Retired homeowners can often feel financially frustrated. You’re sitting on a strong asset - your home - but the money is locked in it. Often, those in retirement are struggling on their pension, getting by but not enjoying their later years as much as they’d once hoped they would. Nee...
Tenants in Common Mortgage | 6 Pros & Cons
Houses are expensive and mortgages can be difficult to get - especially if you’re leaning on just one income. While married couples are typically catered for with joint mortgages that list both spouses as homeowners, are there other options? The answer is yes - a tenants in common mortg...
Should You Get a Tracker or Fixed Rate Mortgage in 2025?
The base rate has dropped, and we're taking a snapshot of the best fixed and tracker mortgage product rates on the market today to see how they compare. Written by: Sam Hodgson Inflation has dropped, and it's possible we'll see mortgage rates reduced further before the year is out. Many are a...
Interest Only Vs Repayment Mortgage: Which Is Best?
The main difference between an interest-only mortgage and a repayment mortgage are the way your monthly mortgage payments are structured. When buying a home, the two most common types of mortgage loans available are interest-only mortgages and capital repayment mortgages. An interest-on...
What Proof of Income Do I Need To Get a Mortgage?
It varies from lender to lender, but mortgage providers will require the following proof of income for your mortgage application: 1-3 of your most recent payslips Your P60 (for up to 2 years) Evidence of 2-3 years of bonuses if they're a significant chunk of your ...
Revolving Credit Facility | The Best Options Compared
A revolving credit facility, sometimes called a “line of credit”, is one of the more powerful tools available to businesses looking to manage their cashflow. But how does it work and what makes it different to the other types of business finance? More importantly - how can you use a rev...
NEWS: 1 in 3 Britons Find Mortgage Jargon Difficult to Understand
A new survey has revealed that 35% of Britons believe mortgage product names are difficult to understand, with many feeling uncertain about their knowledge of key financial concepts. The research highlights gaps in financial literacy in the UK, particularly among first-time buyers. Many feel overwh...
What Challenges Will Businesses Face in 2025?
Whether you’re a newly starting business owner, or a major corporation, 2025 is going to be a major turning point for businesses. So, what should business owners expect to face in 2025? At Clifton Private Finance, we’re here to offer expert, tailored advice to businesses of any size, wh...
Base Rate Drops to 4.5%: The Impact on Businesses
The Bank of England has cut the rate to 4.5% - we explain what this means for your business. The Bank of England has reduced the base rate to 4.5%, lowering the cost of borrowing and offering potential relief to businesses across the UK. This decision comes as policymakers aim to balance inflation ...
Can I Release Equity from My House Under 55?
Owning a home is a major financial milestone; especially if you manage to get your mortgage all paid off before you’re 55. However, it can also feel fairly frustrating, with all your money that represents a lifetime of hard work locked into your home. You may have heard of equity release pr...
BoE Cuts Base Rate to 4.5% | What it Means for Your Mortgage
The Bank of England has reduced the base rate to 4.5%, and it's likely mortgage rates will follow suit. The easing of economic policy over the past few months will certainly soften the blow for homeowners who have been locked into more expensive rates. Mortgage borrowers on tracker deals should see...
Wholesale Finance | How It Works
Wholesale finance is how big businesses and financial institutions fund major projects, smooth business cash flow, and expand their operations. Rather than being a single product, wholesale finance is an umbrella term for many different products and processes that move capital on a global level, dri...
Can I Remortgage to Buy a Second House?
Yes, it is possible to remortgage to buy another property. In fact, remortgaging your current home is a common method of raising funds to purchase another property. If you’ve been repaying your mortgage for many years, you’ll have built up a chunk of equity in your home that you can&rsq...
Living In Dubai? 4 Ways to get a UK Expat Mortgage
If you're a British national looking to get a UK expat mortgage from Dubai, you may be wondering what's available for you. There are a variety of reasons you may want to purchase a property back home. It might be an investment, or you may be planning on returning to the UK. But you've probably...
How To Get A Professional Mortgage
As a professional with hard-won qualifications and a structured career path, you could be eligible for a professional mortgage to match. There are 8 ways you could be entitled to a better mortgage as a professional within an established industry. Some UK mortgage lenders offer prof...
How Does Property Development Finance Work?
Property development can be a lucrative venture, but it often requires substantial financial backing. Property development finance plays a crucial role in supporting developers looking to embark on construction or heavy refurbishment projects. It’s a sobering truth that the success of a build...
Everything You Need to Know About Business Car Finance
Getting a car for your business is not quite the same as obtaining personal car finance. With tax and accounting benefits, as well as slightly different structures that help with managing a fleet of vehicles, business car finance has its own nuances that are important to understand if you’re g...
How to Spot Equity Release Companies to Avoid
Approached sensibly, equity release is a powerful and potentially life-changing financial product. It provides retired homeowners with a way to release the money locked up in their property for use on other things - from helping struggling family members to having the holiday of a lifetime. The m...
Can I Remortgage Early On A Fixed Rate?
You're locked into a fixed-rate, and you've found a better deal. You'll be pleased to know that it's possible to remortgage early, but there are some hoops you'll need to jump through. You're considering switching your mortgage deal but are not yet at the end of your fixed-rate term. It's def...
5 Ways To Get Into UK Property Development For The First Time
When you apply for development finance, lenders will typically put a lot of weight on the success of your past projects, making it notoriously tricky to get into UK property development for the first time. You’re ready to join the 2.5 million property investors in the UK and start building yo...
The 8 Best Ways to Finance Home Improvements
Did you know that there's a range of different solutions designed to help you finance home improvements? We explain how each loan works and what circumstances they could be suitable for. You might be giving your property a total makeover or making changes to a rental property. Refurbishm...
How to Find and Download Tax Documents for a UK Mortgage
If you're self-employed and applying for a UK mortgage, you'll need to find and download the right tax documents for your application. Unlike with a 9-5, you won't have a payslip to use as proof of income when applying for a self-employed mortgage. Instead, lenders analyse your tax documents ...
A Guide to Bank Statements When Applying for a Mortgage
Whether you’re applying for a first time buyer mortgage, a buy to let mortgage, a development loan or any other type of property finance, you’ll need to provide your recent bank statements to your mortgage lender. In this guide, we look at why mortgage lenders ask for your bank sta...
Commercial Real Estate Finance
The world of commercial real estate has finance at its very core. It is through mutually advantageous funding products that businesses can grow through property development opportunities, leveraging existing equity to grow a strong portfolio that provides important investment as well as an ongoing r...
How To Get A UK Expat Buy To Let Mortgage
Getting an expat buy to let mortgage can be trickier than if you live in the UK - but it can be done. If you're a UK national living in another country, you may be trying to figure out how to finance a property back home. Perhaps you're looking to keep a house y...
How to Finance an Acquisition | Acquisition Finance
Acquisition finance refers to the funding solutions businesses use to purchase other companies, ranging from small-scale sole traders to large-scale corporate acquisitions. What are the various levels of acquisition finance and how are they obtained? At Clifton Private Finance, we have the answers....
Getting An Airbnb Mortgage: Everything You Need to Know
Since Airbnb first gained traction in the UK in 2015, it has become an increasingly lucrative way to rent property. But while the returns for this type of rental are high, securing an Airbnb mortgage isn't as straightforward as you might think. The Airbnb market is continuing to grow througho...
How To Get A UK Mortgage When Living And Working Abroad
It's certainly possible to get a UK mortgage while living abroad, but applying for a UK mortgage as an expat can have its challenges. Being based overseas makes it that bit harder for lenders to establish your earnings and check your credit history. Find the Perfect Expat Mortgage theme-element...
How to Get a Skilled Worker Mortgage
You may be wondering if you can buy a house in the UK on a skilled worker visa - and the answer is a resounding yes! There are some additional challenges, but it is very much possible with the right lender. A Skilled Worker Visa (also known as the Tier 2 visa before Decembe...
Structured Finance | How it Works
At Clifton Private Finance we work with companies at all stages of development, from startups through to multinational corporations. At the top end of the funding scale lies structured finance. But what is structured finance, and can it help your company leverage assets to generate substantial and...
My House Has Gone Up In Value: Can I Remortgage?
One of the most common reasons homeowners choose to remortgage is because the value of their house has increased. How does this process work? If you have more equity in your home than when you first took out your mortgage, you can remortgage to get a better deal with lower rates...
Can I Get A Mortgage For 5 Or 6 Times My Salary?
Is it possible to borrow more than 5 times your salary? Amidst high interest rates, mortgage affordability is on the mind more than ever. It’s not just hard-pressed first-time buyers who need to maximise their salaries' borrowing potential to get a toe-hold on the property ladder. Even...
Can I Borrow Against a Property With No Mortgage?
If you own your property outright, you might wonder if it's possible to secure a loan against a property with no mortgage. You'll be pleased to know that it is possible and a few options exist. So what are they? Many homeowners look to access cash to help get through extraordinary circumstances. Fr...
Applying for Retrospective Planning Permission: Is it Worth the Risk?
Retrospective planning permission is a common occurrence in the property development world. You may have made an honest mistake during building works and only realised afterwards you need permission. Or you may have discovered you can’t sell your house unless it matches the land registry recor...
Cash Flow Finance | 8 Options Compared
At Clifton Private Finance, we’ve supported a wide range of businesses through financial difficulties, help keeping them on top of day-to-day expenses to make sure everything runs as smoothly as possible. One of the main tools for doing so is cash flow finance, a range of funding products tha...
Equity Release to Reduce Inheritance Tax | Example
Inheritance tax has long been a burden on families looking to pass the fruits of their life’s work to their heirs - once the tax-free threshold has been passed, a full 40% of the remaining estate goes to HMRC. With property values rising and recent government policy changes squeezing tax reli...
How Much Does a Bridging Loan Cost?
Bridging loans typically cost 1-2% of your loan size, charged as an arrangement fee by your lender. Written by: Sam Hodgson You also usually pay: A monthly interest rate Valuation or survey fees Legal fees Broker fees Other admin fees, such as drawdown and redemption fe...
How to Secure a Land Mortgage in 2025
Ever thought about building your own home? We explain everything you need to get a land mortgage in 2025 and how to make the process as efficient and affordable as possible. What is a Land Mortgage? Land mortgages are specialised loans designed for purchasing land. They differ from standard ...
How to Find the Best Bridging Loans
You've probably noticed that there aren't many 'comparison sites' for bridging loans - the ones that put multiple products into a table, allowing you to easily weigh the pros and cons. Written by: Sam Hodgson Unfortunately, bridging loans are somewhat too bespoke for that kind of side-by-side...
Business Tax Arrears | Explanation & Solutions
Business tax arrears can present a considerable threat to the financial health and future of your company. When you fall behind on VAT or corporation tax payments, the pressure from HMRC can be debilitating. Financial penalties and unwanted interest on the outstanding balance is one problem, but th...
Reverse Factoring | Complete Guide & Alternatives
Cash flow is one of the most important considerations for links in a supply chain. With payment terms potentially causing difficulties for businesses looking to run smoothly, solutions that can speed up payments for suppliers without impacting buyer cash flow are essential. Reverse factoring is o...
The Co-Living Trend – Are Adult Dorms Worth Investing in?
Over the past few years, the co-living market has emerged as a focus area for developers, with over £902m funneled into the sector since 2020. Written by Luka Ball Adult dorms have exploded in popularity in the past five years, but who are they really designed for, and what role will th...
6 Ways to Sell Your House Quickly After a Bridging Loan
Selling a house can be a stressful process, especially if you’re on a tight timeline. Whether you’re relocating for a job, managing financial changes, or simply eager to move, getting your home sold quickly is often a top priority. Here are three proven strategies to help you sell your ...
NEWS: Half of UK Mortgage Holders Face Payment Hikes by 2027
The Bank of England (BoE) has revealed that nearly half of UK mortgage holders are set to face higher monthly payments over the next three years. According to the Bank of England's Financial Stability Report, around 4.4 million households will experience increased mortgage costs by 2027, with appro...
Can I Refinance an Existing Bridging Loan?
In short, yes, it is often possible to refinance an existing bridging loan with a new one. Written by: Sam Hodgson In the past, lenders tended to be unwilling to offer bridging loans to refinance a previous bridging loan. However, many lenders are now willing to consider this approach, ...
Yes - You Can Get A Bridging Loan With Bad Credit
Can bad credit affect your ability to get a bridging loan? Find out why it's still possible to get short term bridge finance, how it could even help improve your credit rating in the future, and our quick guide to securing the funds you need. Written by: Sam Hodgson Many people beli...
Dynamic Discounting | What You Need To Know
Cash flow is a major concern for businesses, no matter their size. Getting invoices paid early can be a huge help, especially in more complex supply chains where a delay in the middle has a knock-on effect throughout. Invoicing financing, purchase order financing, and other forms of trade finance c...
How to Finance a Car | Affordability vs Ownership
At Clifton PF, we help clients arrange car finance independently every single day - we've seen it all. So join us as we dig deep, crunch some numbers, and compare the options to look at the best way to finance a car. First, here's an initial overview: Choosing the right car finance is best done by...
A Guide To Offset Mortgages: Are They Still A Good Idea?
With mortgage rate hikes in the UK, many homeowners are faced with huge hikes in their monthly repayments. If you are thinking of remortgaging and have savings in the bank, it may make sense to consider an offset mortgage - a lesser-known product that could help you save money on your repayment...
Bridging Loans: How Much Can I Borrow?
How much can you borrow with a bridging loan? Do you need a short-term finance solution to inject cash quickly without the waiting time of traditional longer-term borrowing? Written by: Sam Hodgson Short-term finance such as bridging loans can be a very helpful form of finance for the right b...
How to Get a Car Loan in 5 Steps
So you want to buy a new car? Excellent - we can help! At Clifton Private Finance we have the knowledge and the connections needed to get you on the road in your dream vehicle. Here's a broad outline of how to get a car loan: Stage 1: Before Choosing a Car Check Your Credit Score: Review and i...
How to Get Development Exit Finance as Your Building Project Nears Completion
When a property development project is coming towards the end of its agreed term of finance, unexpected delays in finishing the build or finalising sales can have a major impact on the cost of your finances and the profitability of your development. Written by: Sam Hodgson Development exit fi...
Hire Purchase | 13 Advantages and Disadvantages
Understanding the different forms of car finance can be tricky. Here at Clifton Private Finance, our experts have delved deep to find all the pros and cons of hire purchase (HP) so that it’s easy for you to weigh it up when choosing how to pay for your car. In a nutshell, here are the advanta...
NEWS: First Time Buyers Dominating London Market
London is seeing an increase in purchasing activity from first-time buyers despite high cost-of-living and homebuying costs. Here's how you can navigate the evolving London market. Written by Luka Ball According to new data, in 2023, London saw 181,000 first-time buyers purchase homes. This m...
NEWS: Top 10 Regions With The Best Rental Yields in the UK
Where are the best places in the UK to invest in property? We explore the best rental yields in the UK for landlords, touching on the current rental landscape in Britain and what makes these areas, in particular, so great to invest in. Written by: Sam Hodgson Despite occasional fluctuations, ...
Russia Ukraine Conflict: The Effects On The Mortgage Market
Russia’s war on Ukraine has already caused economic ripples across the globe, with stock markets experiencing volatility and the price of crude oil surging to over $100 a barrel. Written by: Sam Hodgson While it’s very difficult to predict the twists and turns down the road a...
Labour’s Housebuilding Boom – Fact or Fantasy?
Labour has lofty ambitions for the housebuilding sector over the next four years, but is their plan enough to tackle the housing crisis? This year, the Labour government unveiled a sweeping plan to tackle the UK’s housing crisis. It promises to build 1.5 million homes over five years, reintro...
2024 Property Market Review: What Happened & What’s Next?
As the year comes to a close, we reflect on the numerous factors that have shaped the market this year and what we can expect in 2025. The General Election and subsequent new government resulted in a controversial Autumn Budget, announcing the first of many budgetary U-turns. As well as the much-an...
How To Get A Multi Million Pound Mortgage
When you think of a multi million pound mortgage, you may think of London, but there's an increased demand for high value properties across the UK as a whole. Whether you're a first time homebuyer or an experienced property investor, getting a mortgage for such a large sum of money can be a dauntin...
HMO Mortgages – How To Finance An HMO Property
HMOs are still proving to be a lucrative investment today, but if you're looking to secure finance, expect different lending options for an HMO mortgage. The ROI returns can be impressive, but only a few specialised intermediary-only lenders will fund a foray into the multi-let market. If you've p...
How To Remortgage A Buy To Let Property
You may be considering if the time is right to remortgage your buy to let property. You could find a better deal or release some equity for further property investment. Here we explore why you might want to remortgage a buy-to-let property (BTL), what considerations you need to make,...
NEWS: Is Investing in a Buy to Let Still Worth it in 2025?
Investing in a buy to let has the potential to generate high ROI through both rental income and building equity, but amid the current costs of owning a property, many are asking if being a landlord is still worth it. A number of landlords are expressing dissatisfaction with slim profits and rising ...
NEWS: Why are House Prices Falling in Investment Hotspots?
House prices are beginning to fall and investment hotspots that were seeing the biggest growth before 2022 are now on a decline - we explain why. In the past year, house prices in the UK have fallen -0.2%, bringing the average house price to £263,800.That's £410 lower than a year ago. W...
What Is A Buy To Let Mortgage Stress Test And Will I Pass It?
A buy to let stress test is a process that most landlords go through when purchasing a property to rent. But how is it used, and how does it affect your mortgage eligibility? The stress income cover ratio (SICR) is the calculation lenders apply to determine your affordability of a buy to let (BTL) ...
How to Switch to a Buy to Let Mortgage
Switching to a buy to let from a residential mortgage can be daunting, especially if you’re unsure if you’ll pay any early repayment charges or mortgage set-up fees. But if it can unlock the rental potential of your current residential property and help fund your ambitions to move or go...
NEWS: How Will a Labour Government Affect the UK Property Market?
With Labour in government for the first time in nearly 15 years, many Britons are wondering how this will affect the property market. Written by Luka Ball Historically, general elections have not had extreme impacts on the housing market, but a clear electoral mandate can boost buying confide...
The 9 Best Places to Live in the UK | 2025
Moving to the UK? We've put together a list of the best places to live in the UK if you're an expat or foreign national, rated for affordability, lifestyle, work opportunities and overall happiness. Moving to a new country is a monumental decision that opens the door to fresh experiences, dif...
