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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

“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
Expat Buy to Let vs Holiday Let Mortgages
Expat holiday let mortgages: how many nights can you stay?
Buy to Let vs Holiday Let Mortgages
Is a Second Charge Mortgage Right for You? Your Complete Guide to Making the Right Borrowing Decision
Incorporating a Personally Owned Holiday Let: Essential Considerations for Property Owners
Using an SPV Ltd Company for Your Holiday Let
What Are Flying and Creeping Freeholds?
Using Bridging Loans for Business Acquisition
Light vs Heavy Refurbishment: How Bridging Loans Differ
Special Purpose Vehicle (SPV) Bridging Loans Explained
Is a Bridging Loan a Mortgage? Let’s find out.
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Excellent service from end to end in securing our Holiday Let Mortgage where other brokers had failed. Highly recommended.

Phil Entwistle

Thank you both so much for all of your help. You have made such a difference to our house buying process.

Rebecca

London
I had confirmation from the bank yesterday that the funds had been received. Many thanks for all your help

Robin

Essex
I recently worked with a mortgage advisor Kerry who was exceptional. She was knowledgeable, responsive, and provided excellent customer service. I highly recommend Drake Mortgages to anyone in need of mortgage guidance and support. Thank you for making my experience stress-free and straightforward!

Ieva Umbrasaitė

Excellent service from end to end in securing our Holiday Let Mortgage where other brokers had failed. Highly recommended.

Phil Entwistle

Thank you both so much for all of your help. You have made such a difference to our house buying process.

Rebecca

London

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