Category: rental calculations

The mortgage market has not closed! Phew!

The good news is that, despite the launch of a huge number of new regulations (Mortgage Credit Directive, MCD), in an already heavily policed mortgage market, we are still trading and lenders are still offering mortgages!  Phew!  Two to three years of preparation has paid off.  I am surprised such a huge change in our […]

We would be grateful for your assistance in voting AToM as a winner!

Very rarely do I promote AToM in my columns, but this week is an exception!  I wanted to say a huge thank you to everyone who has voted for AToM over the last few weeks in two national consumer magazines.  I’m delighted that AToM have been short listed in the top six, for ‘Mortgage Broker […]

Buy to Let loans can depend on the valuers rental estimation.

With the new stamp duty changes only just around the corner, I though it prudent to look at some of the areas that are currently affecting the Buy to Let sector. In the main, and with First Time Buyers struggling to get on to the property ladder, a Buy to Let or investment property is […]

Buy to Let mortgages in high demand

Buy to Let mortgages seem to be the flavour of the month again.  With the rental market remaining buoyant and showing no signs of declining, lenders are reacting to the huge demand for investment / buy to let properties.  This sector has also experienced a recent mortgage price war and some major criteria changes as lenders seek […]

Buy to Lets now with just a 15% deposit

The Buy to Let market is buoyant as First Time Buyers continue to find it hard to obtain mortgage finance and turn to renting.   More lenders have entered the sector and many are seeking criteria niches in addition to competitive pricing, to attract new customers. Buy to Let mortgages are now available with as little […]

Buy to Lets and long term fixeds!

Long term fixed rates are currently very popular across the mortgage range as customers look to fix monthly budgets for the coming years.   These rates are attractive across the residential sector, but there have not been many long term fixeds in the Buy to Let mortgage arena.  So it is with open arms that a […]

The Buy to Let sector is seeing rate competition.

With the rental market continuing to be buoyant, and with no signs of declining, the mortgage market is active as lenders recognise the huge demand for Buy to Let (investment property) mortgages.   These can be from a first time landlord, right through to the experienced House of Multiple Occupation (HMO) / Student Let portfolio investor.   […]

Buy to Let takes a hit

The Buy to Let market has been hit hard this week as two of the major players make significant changes to their criteria. BM Solutions (part of the Lloyds Banking Group) have withdrawn their House to House product.  What does this mean?  Well, the majority of investment mortgages, or better known as Buy to Lets […]