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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

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
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?
1234 Next
Excellent service from end to end in securing our Holiday Let Mortgage where other brokers had failed. Highly recommended.

Phil Entwistle

Drake Mortgages Limited place picture
Drake Mortgages Limited
5.0
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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

Fantastic service from Mark and Rachel. Highly recommended

Richard Peel

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
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

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