If you have a House of Multiple Occupation (HMO), you should now be aware of the rules that came in to effect on 1st October. You also be aware that some councils are behind already on the licence applications with one rumoured to be nine months behind! To recap – any property with five or […]
Month: October 2018
Affordability is the key to you achieving the right loan.
The lenders main area in deciding whether to lend to you, or not, is on your ability to pay the mortgage both today and also in the future. It’s difficult to detail when I have a limited word count, but in the main, lenders will stress test all mortgages against a possible rate rise and underwrite […]
The maximum loan achievable on a Buy to Let is a complex calculation.
AToM exhibited at the Property Investor and Homebuyers show at the London ExCel last weekend. It was a great opportunity to talk to professional landlords, as well as those looking to make their first steps in to the buy to let sector. With many changes and increases in taxation on profits being introduced over the […]
A Bridging Loan could help you if you need something short term.
There is an abundance of choice for consumers across the mortgage market currently and this includes the bridging / short term lending sector. Bridging Finance is the term most used for funds to be used in the short term to facilitate a financial transaction which has either an urgent or short lifespan and which is […]