Mortgages

What makes a house uninhabitable to mortgage in the UK?

What makes a house uninhabitable to mortgage in the UK?

The UK has many ageing properties in varying degrees of decline. What some may see as a lost cause, others, particularly property investors, may see as a renovation project. However, it is not usually possible to get a mortgage on a property considered ‘uninhabitable’ by a mortgage lender. Mortgage lenders consider a property uninhabitable if […]

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Couple applying for a joint mortgage with one income

Guide to getting a joint mortgage with only one income

For many couples, owning a home together provides legal, financial and emotional security. But for those relying on a single income, the dream of joint ownership can feel out of reach. However, securing a joint mortgage with only one income is indeed possible with the right approach and understanding of the process. Securing joint mortgages

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buying house with a partner using different deposits

Can you buy a house with a partner using different deposit amounts?

Buying property with a partner is undoubtedly an exciting milestone. But what happens if one partner has a larger deposit available than the other? And how is ownership split if they go their separate ways, or should one owner wish to sell the property and take their funds with them? Partners can buy property with

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mortgage advisor consulting an interest-only mortgage switch

Is it possible to switch to an interest-only mortgage?

Interest-only mortgages are attractive to many borrowers as their monthly payments can be significantly reduced, freeing up cash to improve their quality of life or to invest elsewhere. This is as opposed to repayment mortgages, where the mortgage payments consist of both capital and interest. I’m often asked by clients on a repayment mortgage, “Is it

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