Recent years have seen product transfers take on a much more significant role within the UK mortgage market. There are all sorts of different factors behind this, from lenders recognising the value of retaining existing customers to the welcome introduction of proc fees for brokers when dealing with product transfer cases. Some industry figures [...]

The question of whether to borrow through a limited company structure is one which all landlords have faced and continue to face. Considerations must be taken over the landlord’s number of properties, future plans, financial circumstances and exit strategies. Elements which also point to the importance of a good, professional mortgage advice process, as [...]

The Christmas break is almost upon us and people are busily completing those final deals before the festive holiday. Do you have a complex deal on your desk which you really need to complete? Crystal Specialist Finance recently helped a client find much needed auction finance in just 24 hours with their multi-award winning [...]

The end of the year promises to be an active one for the remortgage market. The exact number of mortgages reaching expiry in the next month or two varies depending on who you speak to, but what’s undoubtedly true is that there are an awful lot of borrowers speaking to their brokers about their [...]

We wanted to let you know that we’ve made some changes to the following Clydesdale Bank products. Selected residential 85% LTV 2 and 5 year fixed rates have been reduced by up to 0.11%. Residential 90% LTV 2 and 5 year fixed rates have been reduced by up to 0.30%. Residential 95% LTV 2 [...]

Foundation Home Loans has enhanced its owner-occupied proposition further with new 90% LTV ‘fee-assisted’ 2- and 5-year products for residential borrowers, as well as a pair of ‘Professionals’ 5-year fixed rates at 75% & 85% LTV. NEW ‘Fee assisted’ 90% LTV in the F1 Owner-occupied range 90% LTV Fee assisted 2 year fixed or [...]

Effective 16th December we are making the following changes to our New and Existing product ranges: New Business Rate Changes Purchase: Rate increases of up to 3bps on selected 2 year deals Remortgage: Rate increase of 2bps and up to 25bps on selected 2 and 5 year deals respectively BTL Purchase: Rate increases of [...]

The Bank of England’s Monetary Policy Committee announced a 0.15% increase to the base rate today to 0.25%. As a result of this announcement we can now confirm the following: All customers who have existing mortgages which track the Bank of England Base Rate will see their account interest rate change (subject to any [...]

Following today’s decision by the Monetary Policy Committee to increase the Bank of England Base Rate to 0.25%, we’re increasing our tracker mortgage rates. Our updated tracker rates will be available from 17 December 2021 and reflect the change to the Bank of England Base Rate. Our tracker differential will stay the same. What [...]

At The Mansfield, we're proud to offer residential lending up to 70% LTV for capital repayment or interest only up to age 85. Mortgage repaid before age 70 Mortgage repaid from age 70 and up to age 85 Maximum loan to value 95% capital repayment. 75% interest only. 70% Acceptable repayment types Capital repayment [...]