With effect from Tuesday 2 March 2021, the following criteria will apply:   • Properties must have a valid EPC and a minimum rating of E or above • Properties with F or G EPC rating are only acceptable where a registered exemption is in place • This criteria applies in England, Northern Ireland, Scotland [...]

Covid-19 has changed the financial landscape for businesses and individuals across the country. All sectors of the mortgage market have been forced to modify their approaches during this period and it’s important to understand the effects of the pandemic, learn from them, adjust accordingly and move forward. In terms of the impact on the BTL [...]

It is important that lenders find ways to support more clients with their Buy-to-Let deals. That is the approach we take to every update and criteria refresh; how do we expand our criteria to support more people, whether it is first-time landlords or experienced portfolio landlords. Our Director of Mortgage Underwriting explains how we've been [...]

Keystone Property Finance have released a list of key dates coming up in 2021. These may be relevant to brokers and their landlord clients as keeping up to date on industry changes can be challenging, particularly within the current market… March Budget and possible CGT revisions and changes End of Mortgage Payment Defferals April Stamp [...]

We know how tricky Top Slicing can be, but we’re here to help. Our experts are on hand to answer any of your questions to support you and your BTL clients. Here are some tops tips, explaining the types of top slicing, what they are and how they work: Personal income backed is where the [...]

We've made various changes to our mortgage product range, detailed below:     End date extension   We’ll be changing the end dates on all our products from 31st March to the 31st May.     Purchase and remortgage products   We are decreasing the rates on a number of our 90% LTV purchase and [...]

Why choose the Melton? No credit scoring Flexible underwriting and cases looked at individually Online DIP & application Available across England and Wales Direct contact with the assessor dealing with your application Dedicated Broker Support Team & BDM Specialist in self build mortgages Long successful track record of handling complex cases We disregard settled adverse [...]

Joint Borrower, Sole Proprietor (JBSP) mortgages are increasingly needed for people who are struggling to get on the property ladder. The newly launched JBSP mortgage from TFI, aimed at FTBs, is perfect for family support onto the property ladder.  Key highlights of our JBSP mortgage product... Parents and grandparents can join their child or grandchild on [...]

The team at Coventry for intermediaries has written to brokers ahead of the forthcoming BTL maturity period. With a record number of products coming to an end soon, reflecting the surge of fixed rate business that followed the government’s 3% increase in Stamp Duty on BTL properties in 2016, it promises to be a busy [...]

Did you know that an estimated 41,700 new buy to let limited companies were formed in 2020? That’s a 23% increase on the number established the year before.* With this potential demand, at Kent Reliance for Intermediaries we’re here to support you wherever possible, so we’ve put together a list of limited company FAQs, covering [...]