With over 40 years of experience behind us and some of the industry's most quoted experts in our ranks, there's not much we don't know about mortgages.
However, we know our industry is awash with jargon, so our experts aim to keep it simple. Through this blog, social media and our monthly newsletter, experienced mortgage advisers explain the nuances of the mortgage market, how economic factors influence the availability of mortgages and get to the meaning behind regulatory changes.
Tops tips on arranging finance before a property auction - our experts look at what you need to know.
Following the Buy-to-Let PRA changes to landlords’ tax relief introduced last year, many investors are now considering structuring their investment portfolios into Limited Companies. There are some potential advantages and drawbacks to this approach and below we will briefly outline some of the these.
We look at our top tips on what you need to consider before investing and becoming a holiday-let landlord.
Tens of thousands of homeowners became accidental landlords in 2017, as homes in the notoriously expensive South East and London struggled to sell leaving their owners no option but to rent them.
Our expert Ray Boulger examines yesterday's Budget announcement from the Chancellor Phillip Hammond
The Chancellor Philip Hammond today stood in the House of Commons, turned to the Speaker and commented: "The Prime Minister made a pledge to Britain’s younger generation that she would dedicate her premiership to fixing this problem. Today we take the next steps to delivering on that pledge. By choosing to build"
With the implementation of Prudential Regulation Authorities (PRA) Phase 2 recommendations at the end of September, lenders have had to change their underwriting approach towards portfolio landlords (those with four or more buy to let properties). Many lenders are stipulating that a landlord must be able to provide an overview of their property business plan when applying for a mortgage.
If you’re a BTL landlord converting your property to a short term holiday let isn’t as simple as creating a listing on site like Airbnb – we look at what you need to know!
With phase 2 of the Prudential Regulation Authorities’ (PRA) buy to let recommendations fast approaching, lenders have at last started to share their proposed approach to underwriting portfolio landlords.
In September 2017, the Prudential Regulatory Authority (PRA) has confirmed it will bring in tougher underwriting standards for buy-to-let lenders dealing with applications from landlords with four or more mortgaged properties.
The blog postings on this site solely reflect the personal views of the authors and do not necessarily represent the views, positions, strategies or opinions of John Charcol. All comments are made in good faith, and John Charcol will not accept liability for them.