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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

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
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
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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
Kerry has been an invaluable resource for us not once, but twice over the past five years, assisting us with both our initial mortgage and subsequent remortgage. Kerry's expertise and knowledge are truly commendable.

Ella Green

The mortgage on our holiday let flat completed last week. Thank you both for your help with this, I appreciate all your efforts.

Wayne

Basingstoke, Hampshire RG21
I highly recommend this company! Kerry and her team were fantastically quick, courteous and efficient in securing us the best possible deal and very patient and polite when answering many enquires. Save yourself a headache and give them a call.

Liam Kirwan

I have enjoyed the benefits of extending my property portfolio with the advice from Norman Phillips and his team. I always trust their solutions and let them deliver the financial strategies needed.

Nicholas Thompson

Wimbledon

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