Technology in Mortgage Advice
Technology in Mortgage Advice | The UK mortgage market is evolving rapidly, and the role of technology has never been more important. Artificial intelligence, cloud-based systems, and advanced digital tools are transforming the way advisers work, enabling them to improve accuracy, efficiency, and compliance in an increasingly demanding environment. Mortgage cases are becoming more complex, with […]
West One
West One | As we reflect on this year, the UK HMO sector remains a strong performer in the Buy-to-Let market. Many experienced landlords are attracted to HMOs for their potential to generate above-average rental yields. However, can first-time landlords successfully enter the HMO market with their first property? Surprisingly, the answer is yes. At […]
The Mortgage Industry In 2023
The Mortgage Industry In 2023 | As we move into Spring 2023, the mortgage sector has been able to adapt effectively to our current climate. The Bank of England’s figures showed a staggering 21% decrease in mortgage lending in December, the fourth consecutive month of declines in individuals securing financing to buy homes. Yet, the […]
Acquisitions by Specialist Lenders
The Family Building Society, helping families is central to everything they do. They have a range of mortgage options to support first time buyers including a Joint Mortgage Sole Owner arrangement and their award-winning 95% LTV Family Mortgage.
Challenges Facing Mortgage Advisers in 2022
Challenges Facing Mortgage Advisers in 2022 | The mortgage industry has changed significantly in recent years, and today’s advisers face a dynamic landscape marked by new pressures and expectations. From tighter FCA regulations to shifts in consumer behaviour and increased competition from digital platforms, understanding these challenges is key to long-term success. Regulatory Burden and Compliance […]
Limited Companies
Limited Companies: Strategic Insights for UK Landlords. In case you missed our previous discussions, explore these key topics: Top-Slicing, Let-to-Buy, andGreen Talk. Both offer essential insights for landlords navigating the evolving buy-to-let market. Tax-efficient strategies remain vital for landlords managing multiple properties. The UK buy-to-let market increasingly rewards those who adopt strategic, eco-conscious approaches. For this reason, our expert […]
Green Talk
Green Talk | Building on the earlier publication about Top-slicing and Let-to-Buy, which delved into unexplored opportunities for lenders featured in Mortgage Solutions, we present another episode to pique your interest: “Green Talk!” A broker has raised concerns that landlords are investing substantial sums in eco-friendly renovations while relying on outdated Energy Performance Certificate (EPC) ratings […]
EPC Rating
EPC Rating | Many advisers know the ‘Minimum Energy Performance of Buildings Bill’ is currently being passed by parliament. This Bill aims to increase the minimum energy performance of buildings. It states that all domestic properties must have an EPC rating of at least C by 2035. The bill states that these measures will be […]
Top-slicing and Let-to-Buys
Retention, innovative construction, top-slicing and let-to-buys are crucial areas for brokers to address gaps. Mortgage Solutions’ recent video discussed these topics, highlighting the evolving buy-to-let market. Participants emphasised that lenders must adopt progressive strategies to meet the dynamic demands of the real estate sector. They explored novel avenues to keep up with the changing landscape. […]
Limited Company Buy-to-Let
Limited company buy-to-let | The 2017 PRA and tax changes reshaped the UK’s Buy-to-Let market, creating a lasting impact. These reforms aimed to professionalise the market, shifting it away from retirees using property for retirement income. Instead, the focus moved towards professional landlords investing strategically in property portfolios. As a result, forming limited companies became a […]