The Right Mortgage and Protection Member Blog
Weekly update content – Mortgage rejection in 2022
14% of UK adults are planning to buy a home in the next 12 months, however a third (34%) of them could see their mortgage application rejected due to ‘adverse credit histories’, according to [...]
We’ve got buy-to-let covered
Whether your client is a seasoned pro or a newbie dipping their toe, here’s how we can help: · Straightforward rental cover tests, starting from 125% at 5%, or product rate +1%, whichever is [...]
What’s the difference between a Short Term Let, Air BnB, Holiday let and Serviced Accommodation?
A ‘How to’ guide by Gemma Lang, Regional Area Manager at Foundation Home Loans. As you know, we lend on Short Term Lets in England, Wales and Scotland, but what does “Short Term Let” really mean? Our [...]
Rising livings costs and the growing appeal of HMOs
A number of worldwide events have really sharpened many people’s outlooks and interest in the economic plight of the UK and on a worldwide scale. This is especially apparent with the scars from the [...]
Kensington – Product Update
BTL: 75% LTV, 2 years, 2.79%, 1.75% fee BTL Property Plus: 75% LTV, 2 years, 4.29%, no fee, free valuation / free valuation and free legals / free valuation and £250 cashback BTL Property [...]
Changes to Metro Bank products
TEMPORARY REMOVAL OF PORTFOLIO BUY TO LET With effect from 5.30pm on Thursday 26 May 2022, we will be temporarily removing Portfolio Buy to Lets from our product offering. We class Portfolio Buy to Let as [...]
Great news! Self-employed applicants can now borrow up to 90% LTV
On Thursday 26 May, following the new lending policy in April, we can now confirm that we’re increasing our LTV for self-employed applicants from 75% to 90%. Existing Santander mortgage customers moving home will continue [...]
Accord mortgages – Product Launches
Buy to Let New Business Accord withdrew and replaced products across its BTL new business range, with rates increased by up to 0.46% across all LTVs. A minimum of £300 Cashback has been added [...]
The one-day investment that can help you make better tech decisions (and everything else we covered last week)
With less than a week to go until our Empowering Advice Through Technology (#EATT) conference, I wanted to take a moment to remind everyone about this must see event and that there is still time to [...]
What is Gift Inter Vivos?
Gift Inter Vivos can protect dependants against a potential inheritance tax liability if your client dies within three to seven years of making a gift. It typically entails taking out five single life level [...]
Reaping the Rewards at Re-mortgage
As rates continue to increase, we are all beginning to feel the weight of rising prices, from gas and energy bills to the weekly shop. As we adjust to the more expensive way of [...]
Cirencester Friendly recorded continued growth in 2021
Cirencester Friendly have published their 2021 Annual Report and Accounts. Whilst last year continued to be a challenging year for many providers, due to the ongoing impact of the Covid-19 pandemic, the Society recorded [...]
