The Case Our clients were moving to a larger property within the same part of London, requiring a mortgage of around 65% LTV on a purchase price of £1.8m. The Challenges This case provided two key challenges: affordability and timing: To reach affordability we added 75% of the main applicants substantial annual bonus to [...]

For BTL you need to complete the BTL Affordability Assessment Form via the link below https://www.bucksbs.co.uk/buy-to-let-affordability-calculator-assessment-forms.html Once the BTL Affordability Calculator Assessment Form has been complete, you can then submit your full application via the online portal https://brokeronline.bucksbs.co.uk/ Do I need to register to be able to submit a DIP? Yes, you will need [...]

Changes to our product range On Wednesday December 1st, we're making the following changes to our product range: Remortgage Rate increases of up to 0.46% on selected remortgage products First time buyer and homemover products including New Build and Affordable Housing – Shared Equity / Shared Ownership (SE / SO) including large loans and [...]

Have you seen our spectacular cashback range? Up to £2,000 cashback for your buy to let cases including HMOs & Multi-units. Rates starting at 2.89% available across 2 year and 5 year fixed at 75% and 65% LTV. The range comprises of three different tiers for your landlord clients... ✔ £1,000 cashback for loans [...]

We are pleased to announce the latest changes to our products and criteria.  NEW! 3-Year fixed at 85% LTV (including HTB) NEW! 5-year discount at 85% LTV (including HTB) with only a three year ERC! Maximum term for Shared Ownership increased from 35 to 40 years Contractors  - CIS workers now accepted based on income shown [...]

As part of its range of specialist residential mortgages, Foundation Home Loans is launched a new range of owner occupied mortgage products with enhanced Loan-to-income limits specifically for Professionals. Joint applications are permitted up to a maximum of two applicants, one of which must be the Professional, qualified in and currently practising in one [...]

Mortgage fraud: what to look  out for Despite increased regulation, mortgage fraud continues to impact your business and ours. So, to help you continue doing what you do best we've pulled together a handy guide of what to be aware of, including Types of applicant Fraudulent Documentation Staged income How we can help. Download [...]

At the Melton we offer a choice of standard residential mortgage products up to 90% LTV, which includes new build, shared ownership up 95% of the share and right. No credit scoring – we don’t credit score, this is great news for younger borrowers, first time buyers or those that have perhaps had historic [...]

In an ideal world, there would not be any pressing time deadlines when it comes to completing a remortgage case. I know that many brokers contact their clients around four months before their rate is due to end, and aim to get an application in for the remortgage around three months before that maturity [...]

That's right! We now offer buy to let purchase and remortgage products up to a maximum of 80% LTV. We have also decreased our 5 year fixed stress rate to 3.5% at 140% of the mortgage interest calculated for loans up to 75% LTV and no longer require income proof for self-funding buy to [...]