Remortgaging can be a great way to secure a better deal on your mortgage, reduce your monthly payments, or even release equity for other financial needs. However, one of the most common questions homeowners ask is: How much can I borrow when I remortgage? In this guide, we’ll break down the key factors that determine your borrowing […]
For many first-time buyers, the process of purchasing a property can seem overwhelming. However, working with a mortgage broker can make the journey far smoother. To ensure your broker can assist you effectively, it’s crucial to come prepared. This guide will outline what you need to bring and the key aspects of the mortgage process […]
As a specialist mortgage broker, we take pride in helping individuals achieve their dream of homeownership—no matter how complex their situation may be. Every day, we assist clients with a wide range of mortgage enquiries, from straightforward cases to those with more challenging financial histories. One of the most common questions we hear is: “Can I […]
In today’s competitive property market, landlords need fast and flexible funding options to stay ahead. Bridging finance has become an essential tool, enabling investors to seize opportunities and overcome short-term challenges. One key use is for auction purchases, where transactions must be completed within tight timeframes, often just 28 days. Traditional mortgages may not meet […]
Bridging loans are versatile and fast-paced types of short-term financing that can help individuals and businesses achieve their goals when time is of the essence. With rising property prices, tight deadlines, or unexpected financial needs, bridging loans can offer a timely solution that traditional lending may not be able to provide. But what exactly are […]
If you’re nearing the end of your fixed mortgage term, you might have started hearing the term “remortgaging.” But what does it mean, and how does it work? At Impact Specialist Finance, we’re here to simplify the process and guide you through the next steps. How the Remortgaging Process Works When it comes to remortgaging, […]
This month, we’re bringing you important news on the recent changes to Stamp Duty Land Tax (SDLT) following the Autumn Budget. These updates, including adjustments to the SDLT surcharge for second homes, changes to relief thresholds for first-time buyers, and the upcoming expiration of temporary SDLT thresholds, could have a significant impact on your property […]
For self-employed individuals, securing a mortgage can seem like a complex task. Unlike salaried employees with regular pay slips, self-employed applicants often face unique challenges when proving income and navigating the application process. However, with proper preparation and expert advice, obtaining a mortgage is entirely possible. Proving Your Income One of the biggest hurdles for […]
When buying a property in England and Wales, one of the most important aspects to consider is the type of ownership you’ll be acquiring. Whether you’re purchasing a home or an investment property, understanding the differences between freehold, leasehold, and commonhold is essential. Each has its implications for ownership rights, maintenance responsibilities, and future costs. Let’s break down […]
At Impact Specialist Finance, we are committed to making the home buying and selling experience as seamless and efficient as possible. That’s why we are excited to support the Open Property Data Association’s (OPDA) latest initiative to transform this process through valuable consumer insights. The OPDA is conducting a survey to better understand the experiences and […]
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