· Rental history not compulsory - can be still residing with parents · Full gifted deposit from family accepted (includes aunts and uncles) · Minimum income of £15,000 (including overtime/commission/bonus 50% taken) · 1 year’s figure’s considered for the self-employed · Historic payday loans considered
The Kensington Affordability Tracker uses the models used by mortgage lenders to calculate the borrowing power of a family, after taking account of bills, transport costs and other household living expenses. It tracks the difference between the amount a homeowner could have borrowed, compared to the amount that was loaned. Our latest report shows [...]
How the Marsden can provide for your expat clients We're experts in all things expat... We've been providing expert support to your expat clients for over 8 years. Here's our promise: Individual underwriting We underwrite each case so we're able to take a common-sense approach to your client No credit scoring We won't credit [...]
Best Insurance are one of the UK’s leading and most respected niche protection insurance specialists, we are unique in our sector as we not only design, distribute and manage our own product ranges, we also broker from the wider market - enabling Best to give unparalleled choice, not only direct to our customers via [...]
VitalityLife launches signature-free online trust solution for advisers Last month VitalityLife launched a new online solution that makes it quicker and easier for advisers to place protection plans in trust. The online process eliminates the need for written signatures and allows advisers to set up a trust as part of the protection application using [...]
Limited distribution product now available through Crystal West One's new limited distribution Buy-to-Let product range is now available through Crystal, offering faster completions and reduced legal fees for qualifying remortgages, including HMO’s, up to £750k. Rates from 3.39% Up to 80% LTV This exclusive product range also covers Ex-Pat’s, Small Licensed HMO’s up to a maximum of 6 units, MUFBs and Holiday Lets (including [...]
From Wednesday 14th August 2019 interest rates will decrease or remain the same on both the Lifestyle Lump Sum Max and Lifestyle Flexible Option, on new business only. New Business All pre-sales illustrations produced on or after Wednesday 14th August 2019 will automatically be processed using the new interest rates All applications received on or [...]
Welcome to this week's Mortgage Update.Please take the time to read through the update as there may be some information that is important to you.Included in this week's update:Aldermore make their buy to let application process better;Marsden provide support for your expat clients;Kensington launch affordability calculator.
Welcome to this week's Protection Update. Please take the time to read through the update as there may be some information that is important to you. Included in this week's update: Join Royal London's webinar and discover how their income protection works; The Exeter help the 4.8 million self employed protect their income; Aviva [...]
Canada Life has announced that it’s lowering the interest rate and increasing the maximum loan-to-value (LTV) for its buy-to-let and second home products. The annualised interest rates for Canada Life’s buy-to-let Lifestyle and buy-to-let Voluntary Select products have reduced from 6.16% and 6.36% to 5.78% and 5.98%. Additionally customers can also now benefit from [...]
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