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Blog

Using a Second Charge Mortgage on Buy-to-Let Investments

Using a Second Charge Mortgage on Buy-to-Let Investments It is certainly possible to apply for a second charge mortgage on buy-to-let investment properties, although it is important to calculate the costs carefully and ensure any second charge mortgage providers you choose are likely to be able to approve your application. Some appl..

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Is it Possible to Get a Second Charge Commercial Mortgage?

Is it Possible to Get a Second Charge Commercial Mortgage? A second charge loan agreement works as an additional mortgage product secured against a property. Can you get a second charge commercial mortgage in the UK? In short, yes, there are varied products and options to apply for this type of mortgage. However, as with most secure..

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The Causes Of Bad Credit Rating: Explained

Struggling with a bad credit rating is more common than you might think. Research shows that one in five people have errors on their credit reports that could affect their scores. This article will guide you through the causes of a poor credit score and how to fix it. Let's dive in! Key Takeaways Missing payments on loans, cre..

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How Can I Buy a House if I Have Been Told I Cannot Afford a Mortgage?

How Can I Buy a House if I Have Been Told I Cannot Afford a Mortgage? Being turned down for a mortgage can feel disheartening at best - but an experienced broker will tell you that it might be as simple as having applied to the wrong lender. Revolution Brokers works with a wide variety of clients - from those who need to seek an alt..

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How Do I Calculate the Maximum Mortgage Against My Salary?

How Do I Calculate the Maximum Mortgage Against My Salary? If you've tried out a few different mortgage calculators, you'll know that they all give different responses - and for a good reason! The benchmark maximum you can borrow is usually based on your salary and a fixed multiple. For example, most UK lenders will offer up to four..

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Mortgages at Fives Times Annual Income

Mortgages at Fives Times Annual Income UK lenders typically offer mortgages at four or 4.5 times your income - so what happens if you need to borrow five times your salary to get the mortgage you need? Let's look at mortgages at five times income, how to qualify, and what sort of criteria will impact your application. If you need..

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How Do Mortgage Affordability Checks Work?

How Do Mortgage Affordability Checks Work? Most people have some borrowing. When applying for a mortgage, you need to understand debt to income ratios to determine whether it's likely to impact your ability to secure a mortgage. Every lender will need to know if you have other pre-existing debts, and how much for, so it's always wis..

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Affordability Check for a Mortgage Application

Affordability Check for a Mortgage Application Mortgage affordability is a process that lenders use to work out what they can offer to lend, based on whether they think you will be able to keep up with the payments. In this guide, the Revolution Brokers team has collated the answers to the most frequently asked questions about mortg..

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What are the Income Requirements for a £350,000 Mortgage?

What are the Income Requirements for a £350,000 Mortgage? One of the first questions when looking to buy a new property, or remortgage, is to work out what you can afford - and how much you're likely to be able to borrow. In many cases, clients have been rejected for a mortgage by their bank. That could be for any number of reasons..

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Advantages and Pitfalls of Equity Release Mortgages

Advantages and Pitfalls of Equity Release Mortgages Equity release can be a great way to raise finance against the value of your property, with low-interest rates and generally high borrowing limits - but it's not for everyone. Much depends on your circumstances, how much you need to borrow, the equity you have in your home, and you..

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Applying for a Mortgage Together - The Difference Between Joint Tenants and Tenants in Common

Applying for a Mortgage Together - The Difference Between Joint Tenants and Tenants in Common When buying a property with somebody else, it's essential to understand your rights, obligations, and what happens if you part ways. Here we'll explain the different types of joint mortgage and what they mean for your property ownership. ..

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Joint Mortgage Applications

Joint Mortgage Applications Applying for a joint mortgage with a partner, friend or family member is common. That means you share the responsibility for the debt and pool your resources to keep up with the repayments. Joint mortgages are available between two and usually up to four applicants. Everybody named on the mortgage advi..

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What Happens If I Have a Joint Mortgage and My Partner Passes Away?

What Happens If I Have a Joint Mortgage and My Partner Passes Away? Many couples and partners purchase their property together through a joint mortgage. While we never like to think about a person we are close to passing away, it is essential to consider the terms of the mortgage and what will happen should that occur. In this guide..

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What To Do When a Mortgage Survey Undervalues Your Property

What To Do When a Mortgage Survey Undervalues Your Property If you're applying for a mortgage, and the valuation survey has come back under the anticipated value, it can throw a spanner into the works. In this guide, the Revolution Brokers team runs through the options for what to do if you have had an undervalued survey. For mor..

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Is a UK Current Account Mortgage Right For You?

Is a UK Current Account Mortgage Right For You? Current account mortgages are an exciting option for leveraging your income and savings against your mortgage cost - and are often much less well known about than traditional mortgage products. Here we'll explain what a current account mortgage is, what it offers, and whom it might be ..

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Finding the Lowest Help to Buy Mortgage Rates

Finding the Lowest Help to Buy Mortgage Rates Help to Buy mortgage rates vary between lenders, and the Revolution Broker team often helps applicants who have been rejected elsewhere due to issues such as a low credit score. Here we'll run through how you can find the best Help to Buy rates - in a more accurate way than an online cal..

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How Much Can I Borrow on the Help to Buy Mortgage Scheme?

How Much Can I Borrow on the Help to Buy Mortgage Scheme? The Help to Buy scheme offers an equity loan from the government to help people buy a property with a reasonable deposit. Having this capital as a down payment, added to the minimum 5% cash deposit, means that applicants can achieve much more affordable interest rates, and ha..

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Repayment vs Interest-Only Mortgages

Repayment vs Interest-Only Mortgages: The Pros and Cons Choosing the right type of mortgage can be complicated - and interest-only is one option. This means that you borrow the money to finance your property purchase, pay only the interest over the term, and need to have a way to repay the original value at the end of the period. Ca..

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What To Do If Your Interest-Only Mortgage Term is Ending?

What To Do If Your Interest-Only Mortgage Term is Ending? The big difference between a repayment and interest-only mortgage is that, when you reach the end of the term, the original loan amount's full value is due for repayment. Before taking out interest-only lending, it is essential to consider how you will repay this - and having..

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Fast Bridging Finance

How to Find Fast Bridging Finance Bridging finance is one of the fastest and most flexible forms of loan - but if you are on a tight deadline, is it quick enough? The Revolution Brokers team regularly receives enquiries for bridging loans in a very short timescale, so here we've summarised all the essential information about how to ..

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Financing an Auction Property Purchase

Tips to Financing an Auction Property Purchase Buying a property at auction can be a fantastic way to find a real bargain - but when it comes to taking out a mortgage, the process isn't quite so simple! The biggest challenge for auction property purchases is the timing. Mortgages take time to apply for, with all the eligibility a..

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Using Bridging Finance for Development Projects

Using Bridging Finance for Development Projects Property developments are one of the most common reasons to look for bridging finance. Some popular projects include: Using a bridge to carry out building work where there is planning permission, but not the financing to fund the build. Financing the end of a development to help t..

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Tips for First-Time Buyers in London

Tips for First-Time Buyers in London Every first-time buyer London will know that property prices in the capital are higher than anywhere else and often reach around double that of other major cities. Today, the average cost is £718,000 and the median £525,000, with a growth of about 8% in the last year. These figures indicate why..

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Holiday Let Mortgages 80 LTV

Holiday Let Mortgages 80 LTV How Can I Finance the Purchase of an Airbnb Mortgage? For a long time, many conventional mortgage lenders would not consider financing the purchase of an Airbnb property. This was largely due to the legal complications surrounding such buy-to-let properties, as well as the seasonal fluctuations i..

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Self-Employed Mortgages - The Revolution Guide

Self-Employed Mortgages - The Revolution Guide Are you self-employed, and imagine that it will be more challenging to get a mortgage than if you were in traditional employment? The business finance broker team is happy to report that this isn't always the case, and there are plenty of mortgage options out there for self-employed pro..

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Need Help Finding A Self-Employed Mortgage?

Need Help Finding A Self-Employed Mortgage? Have you been turned down for a mortgage based on your self-employment income? Or find it impossible to know which lenders offer the best rates? The great news is that it shouldn't be any harder to get a mortgage as a self-employed person, and our experienced brokerage team can identify so..

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Trying To Find an Affordable Self-Employed Mortgage?

Trying To Find an Affordable Self-Employed Mortgage? Our guide to self-employed mortgages at affordable rates runs through everything you need to know about getting a mortgage as a self-employed person and how to negotiate the best possible terms! Remember, the cheapest self employed mortgage isn't always the best - you need to look..

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Foreign National Mortgages in the UK

Foreign National Mortgages in the UK Finding a mortgage as a foreign national can be complex, so you must get professional advice to ensure you secure the borrowing you need! Revolution Brokers works with clients worldwide, ensuring you have the best chances of approval and expert guidance to negotiate the most competitive rates on ..

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Will Late Payments Affect my Mortgage Application?

Will I Have a Mortgage Declined Due to Late Payments? Late payments can make it harder to find a mortgage but are a relatively minor credit issue and not certain to result in having a mortgage declined due to late payments. There is usually a solution, whether applying to a more flexible lender or considering a specialist bad credit mo..

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What is Involved in a Mortgage Credit Check?

What is Involved in a Mortgage Credit Check? Credit checks are a part of any mortgage application process, along with affordability assessments. Usually, you might expect to see a short-term drop in your credit score after applying for a mortgage due to the hard credit searches run by your lender. Here we'll explain how credit scori..

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Repaying Bankruptcy Early - Exploring the Options

Repaying Bankruptcy Early - Exploring the Options Paying back your bankruptcy early or applying for this to be annulled is always an attractive prospect. Here we'll explain how you can use property financing to achieve the cancellation of your bankruptcy. For more assistance with finding borrowing to refinance a bankruptcy situation..

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Can I Get a Remortgage to Pay Back an IVA?

Can I Get a Remortgage to Pay Back an IVA? An active IVA (individual voluntary arrangement) can make it very difficult to be approved for any credit, including mortgages. Here we'll assess the options for remortgaging an IVA and whether it will continue to impact your credit assessment. If you'd like tailored advice about repayin..

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Advice on Mortgage Agreements in Principle with Adverse Credit

Advice on Mortgage Agreements in Principle with Adverse Credit An agreement in principle is a useful bargaining tool for negotiating the purchase price on a property you wish to buy. It is also essential for bad credit applicants to know you'll probably be approved for the mortgage you need and how much you can borrow. It's importan..

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Why Do Mortgage Applications Change Your Credit Score?

Why Do Mortgage Applications Change Your Credit Score? Here at business finance broker, we often receive queries from clients who have applied for mortgages online and are then concerned about having multiple credit searches on their file. This happens when a credit search is run against you whenever you apply for borrowing or lend..

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Joint Mortgage Applicant Has Bad Credit

What To Do If One Applicant on a Joint Mortgage Has Bad Credit? Getting a mortgage with a partner can be stressful if one of you has bad credit  - and cause strain if that means you are finding it hard to be approved. It is still possible to find a competitive mortgage with an independent broker who can negotiate terms on your beha..

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Is it Possible to Find a Mortgage After Bankruptcy?

Is it Possible to Find a Mortgage After Bankruptcy? With the growth of the bad credit mortgage lending sector, it is far less impossible to find a mortgage following bankruptcy now than ever before. However, this is a specialist situation, and so we strongly advise consulting an independent broker to manage the process for you. Bank..

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How to Secure a Bad Credit Buy to Let Mortgage

How to Secure a Bad Credit Buy to Let Mortgage Buy to let mortgages or remortgages are doubtless more challenging to come by if you have an adverse credit history to factor in. However, there are specialist bad credit lenders out there, and you might be surprised at how many mortgage lenders’ criteria you fit, depending on the ant..

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How to Decipher Your UK Credit Reports

How to Decipher Your UK Credit Reports Mortgage lenders talk a lot about credit scoring and credit reports - but if you haven't ever accessed yours before, it might not make a lot of sense! Here we'll run through what credit reports include and how to assess the information contained in yours. For more assistance with understandi..

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How Can I Repair my Credit Score to Get a Mortgage?

How Can I Repair my Credit Score to Get a Mortgage? Having credit scoring problems can mean being rejected by a mortgage lender. However, there are lots of specialist bad credit mortgage providers, and if you can ensure your credit report is in the best possible shape, there is usually a solution out there. Here we'll explain a few ..

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Adverse Credit Mortgage Online

How to Secure Competitive First Time Buyer Mortgage Rates Applying for a mortgage with bad credit issues can be extremely stressful. However, it doesn't mean to say you won't find a competitive mortgage! The best option is to work with an independent broker who can advise which lenders will consider your application. As bad credit e..

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Mortgage with Credit Card Debts

Mortgage with Credit Card Debts Millions of people have some debt, and having a credit card isn't unusual. However, if you have lots of short-term obligations or a substantial credit card balance, it can pose a problem when applying for a mortgage. Here we'll explain how lenders view credit card debt and what factors will impact you..

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Mortgage with a CCJ

Mortgage with a CCJ Having a CCJ can make it more difficult to find a mortgage - but usually not impossible! Let's examine why mortgage lenders might reject a CCJ application - and what criteria they will look for when considering whether they can lend. Let's examine why mortgage lenders might reject a CCJ application - and what cri..

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The Independent Guide to Finding the Best First-Time Buyer Mortgage

The Independent Guide to Finding the Best First-Time Buyer Mortgage Buying a property as a first time buyer opens up several opportunities, with a range of support schemes, Stamp Duty exemptions and different mortgage products designed to make it easier to get onto the property ladder. However, what's not always so easy is working o..

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Expert Guidance on First-Time Buyer Mortgages With a 10% Deposit

Expert Guidance on First-Time Buyer Mortgages With a 10% Deposit Buying a property as a first time buyer with a 10% deposit is certainly possible - that means you'll be applying for a 90% LTV mortgage. Choosing a 90 mortgage can be tricky because the loan to value is pretty high. Although some lenders accept a 10% down payment (o..

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Where are the Best Areas In the UK For Buy-to-Let Investors In 2023?

Are you pondering the possibility of embarking on a journey into the world of buy-to-let investments in the UK during this year of opportunity? If such contemplations reside within your mind, prepare yourself for an exhilarating odyssey! In the month of March 2023, Zoopla unveiled a comprehensive market report, unfurling a vivid and intri..

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What Lies Ahead for UK House Prices in 2023?

Over the past two decades, the UK has witnessed an astounding surge in house prices, with the average home value skyrocketing by a remarkable 207%. This phenomenal growth was primarily fueled by demand consistently outpacing supply. For context, consider that in 1999, the average house price was a modest £91,999, yet it soared to a stagg..

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Understanding the UK Housing Market in 2023 - Are House Prices Set to Fall?

In the last twenty years, the UK housing market has witnessed an extraordinary surge, with house prices skyrocketing by an astonishing 207%. This remarkable growth was primarily driven by consistently exceeding demand over supply. Commencing with an average house price of £91,999 in 1999, the market scaled its pinnacle at £295,903 in Au..

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Understanding Mortgage Fees and Managing Costs Smartly

While the interest rate attached to your mortgage is undeniably vital, it's equally essential to acknowledge the presence of supplementary fees. The good news is that these fees don't have to be excessively high. Gaining a comprehensive understanding of these expenses in advance can be a valuable aid in financial planning. Moreover, there..

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Mortgage Market Update: Your Path to Lower Rates and Better Deals

Mortgage providers all over the UK are taking steps to reduce interest rates, and we're here to walk you through the most recent updates. A Positive Trend in Mortgage Rates Picture this: the UK's top lenders have taken note of the improving market conditions and decided to make your dream of homeownership more attainable. On the 10t..

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A Comprehensive Guide for Aspiring Holiday Let Investors in the UK

The surge in popularity of holiday let investments in the UK has been nothing short of remarkable, especially in the wake of the global coronavirus pandemic. In the midst of the persistent challenges confronting buy-to-let landlords in today's market, it's noteworthy that the holiday let sector remains remarkably resilient. If you're cons..

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The Revolution Complete Guide to the UK Mortgage Process

The Revolution Complete Guide to the UK Mortgage Process If you haven't had a mortgage before and are about to start searching for a home loan, it can feel daunting. There are lots of types of loan, different options and factors involved in the application process. Here we'll run through how UK mortgages work and what you need to do..

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What Sort of Homeowner Loan Am I Eligible For?

What Sort of Homeowner Loan Am I Eligible For? There are thousands of mortgages and home loans on the UK market to choose from. If one lender has turned you down, it can be disheartening - but you may simply have applied for the wrong product or to the wrong lender. Here the Revolution Brokers team explains what homeowner loans are ..

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What Happens If I Want to Mortgage a Property with a Japanese Knotweed Infestation?

What Happens If I Want to Mortgage a Property with a Japanese Knotweed Infestation? Japanese knotweed is a plant that looks a little like bamboo and can cause tremendous damage to properties. It grows extremely fast, and there are laws about destroying plants before they intrude on neighbouring properties. If you want to purchase a ..

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What Deposit Sources are Acceptable in the UK?

What Deposit Sources are Acceptable in the UK? One of the challenges for mortgage applicants is that they will need to demonstrate where their deposit comes from. Lenders have strict rules about acceptable deposit sources and may refuse a mortgage altogether if they cannot accept the deposit. These rules all relate to money launderi..

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The Interest Rate Freeze - What Does it Mean for the Economy and the Mortgage Market?

In finance, the Bank of England has become a major focus, catching the attention of many about their financial situation. What's fueling all the attention? It's the Bank's choice to put a halt to interest rate increases. This surprising decision has sparked a multitude of inquiries about its potential impact on the economy and the mortgag..

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Broker-Exclusive Mortgage Lenders - Is It Your Route to Better Deals?

When it comes to securing a mortgage, the traditional route often involves searching on the high street or conducting a quick Google search to find lenders. However, there's a lesser-known avenue that offers exclusive benefits: broker-only mortgage lenders. These lenders operate exclusively through mortgage brokers and can provide deals t..

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Interest-Only Mortgages - A Wise Move in the Current Climate?

With the continuous rise in interest rates, homeowners are increasingly seeking ways to maintain manageable mortgage payments. One intriguing option to consider is switching to an interest-only mortgage. As the housing market evolves, understanding the intricacies of interest-only mortgages and their implications has become more critical ..

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5 Essential Tips for Securing a Mortgage When You Are Self Employed

Many self-employed individuals assume that securing a mortgage is a formidable task, one fraught with complications and exorbitant costs compared to those with a traditional PAYE income. While it's true that some mainstream banks and building societies may struggle to comprehend the unique needs of self-employed mortgage applicants, it's ..

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How Many Mortgage Products Can I Have Simultaneously?

How Many Mortgage Products Can I Have Simultaneously? It is possible to have multiple mortgages, provided you can demonstrate that you can afford to keep up with the repayments. Many investors or homeowners take out a second mortgage to buy a rental property, holiday home, or another residence for a family member to live in. In t..

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How Does a Public Footpath Impact My Mortgage Chances?

How Does a Public Footpath Impact My Mortgage Chances? Buying a property with a public footpath can cause concerns, and be a factor that must be disclosed in any mortgage application. However, while having a right of way running through your property might be a consideration, it isn't a deal-breaker. Here we'll explain how public..

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How Can a Broker Improve My Mortgage Eligibility Assessment?

How Can a Broker Improve My Mortgage Eligibility Assessment? Finding a mortgage with any eligibility issues can feel like an uphill struggle. The good news is that an independent broker can substantially improve your chances of approval by: Assessing your circumstances and comparing your requirements to the lending rules from all..

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Can I Mortgage a Listed Grade Two Property?

Can I Mortgage a Listed Grade Two Property? frade  can include a wide range of unique constructions and exciting places to live. However, finding a mortgage can be a challenge, with timber-framed properties and thatched cottages among many of the Grade One or Two listed buildings that require specialist lending. In this guide, the ..

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Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Contaminated Land Investment? Buying land that is contaminated, or property on contaminated land, can be a significant challenge when it comes to securing a competitive mortgage. A lot depends on the type of contamination, the anticipated cost of remedial works, and how likely it is that the lender could resell the ..

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Can I Get a Mortgage While on Maternity Leave from Work?

Can I Get a Mortgage While on Maternity Leave from Work? Sometimes, everything happens at once. If you're in the process of buying a property or moving home, and you or a partner goes onto maternity leave, the change in income can throw a spanner in the works. While some lenders will outright reject an application without a guarante..

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Are There Mortgages for Uninhabitable Property Purchases?

Are There Mortgages for Uninhabitable Property Purchases? Properties requiring renovation can be a lucrative prospect. Developing the property can add significant value, and a doer-upper is also a great way to buy a home of a size or in a location that you'd otherwise not be able to afford. However, for mortgage lenders, any propert..

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Update on Base Rates, Rising Interest and the Impact on the Mortgage Lending Market

On 22nd June, the Bank of England (BoE) raised base rates to 5%; the highest in 15 years. This news has caused concern about the interest rates consumers pay on borrowing, including their mortgages. High base rates aim to bring inflation under control. In May 2023, inflation was at 8.7% - an improvement on the 40-year high of 11.1% in ..

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Applying for a Mortgage With a New Job

Applying for a Mortgage With a New Job It isn't uncommon to be rejected for a mortgage if you have recently started a position, with lenders being cautious about accepting borrowers without a longer-term work history. However, applying for a mortgage with a new job is usually possible with support from an experienced, whole-of-marke..

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Who Qualifies for a 100% Mortgage? Everything You Need to Know

This week saw the announcement of a new 100% mortgage – a product that we haven’t seen on the UK market since the 2008 financial crisis. While the news may seem positive for thousands of prospective buyers, particularly first-time buyers, it isn’t necessarily for everyone! Revolution Finance Brokers has investigated the new-to-ma..

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Why Is Commercial Property Investment Forecast to Retract By 24%?

Year on year, the commercial property market in the UK has performed exceptionally well, with investment levels growing 40% from 2020 to 2021. In 2021 business property investment values reached just less than £50 billion, including £21.2 billion invested in London alone. Much of this surge in activity relates to the lifting of pa..

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Why Commercial Rental Property Is in Such High Demand for Retail, Leisure and Hospitality Tenants

The commercial property market is somewhat different from its residential cousin and has seen considerable increases in a post-pandemic climate that outstrip previous average demand levels. Here at Revolution Finance Brokers, we wanted to pinpoint which specific parts of the commercial property market offer the best investment opportun..

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The Rising Cost of UK Mortgages - How Much Will My Mortgage Repayments Increase?

The ongoing crisis in living costs has resulted in soaring interest rates and an average uplift in residential mortgage payments of £71.50 in 2022 so far. For most homeowners, the big question is how far rates will continue to climb and how much they might be expected to pay for their mortgage if the economy doesn't turn around quickl..

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The London and South East UK HMO Investment Opportunity

While London is, perhaps unsurprisingly, the location where a huge 25% of UK HMOs are based, studies reveal that the most lucrative investment opportunity may be slightly further afield in the South East. London is home to 24% of properties categorised as HMOs. Still, the South East and the East Midlands present the largest potential f..

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The Importance of Homeowner Budgets as Utility Bills Rise to 30% of Average Mortgage Costs

The dramatic and painful spikes in electricity and gas charges won't be news to many. Still, the government's announcements about the energy price cap, introduced this month, may have painted a slightly blurry picture. Price caps are generally a positive thing for homeowners, tenants and landlords, concerned that skyrocketing utility c..

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HMOs Dominate the Rental Landscape in an Uncertain Property Market

While inflation, interest rates and the inevitable effect on rental prices are making an economic impact, the market share of HMOs appears to have grown, signalling an increasing interest from professional landlords looking to maximise their incomes. Our recent studies show that the current HMO market is worth £25 billion based on exi..

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Research Into Commercial Investment Returns: Are Business Rental Properties a Good Bet for 2022?

Although much of the economy is fluctuating and struggling in an inflationary environment, our latest research shows that average rental yields for commercial premises are 6% across England and 8.6% in higher-demand areas. The pandemic doubtless had a considerable impact on the commercial property sector, with empty offices and a switc..

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Pandemic Bridge Loan Borrowing Soars 28%

Buy-to-let investors, developers and property auction buyers have used bridging loans for many years. This type of loan is often used as a financing vehicle for a short-term period, available at higher interest rates when conventional financing is not available. However, from March 2020, when the Coronavirus pandemic first hit the UK, ..

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Mortgage Costs Jump 21.5% as Interest Rates Continue to Climb

Over the last few weeks, one of the most common enquiries here at Revolution Finance Brokers has been about changes to mortgage payments and how the fifth rise in base rates by the Bank of England is impacting homeowners. We've dived into the statistics to showcase some averages and demonstrate how the repayment values linked with a th..

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New 2022 Stamp Duty Rates Explained

The changes to Stamp Duty rates announced in the Chancellor's speech last Friday (23rd September) have significantly changed the cost of investing in a new property, moving home or purchasing as a first-time buyer. Stamp Duty is a tax payable on most property purchases, calculated as a percentage of the value. There is a threshold belo..

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How to Cope With Forecast Increases of £1,300 in Average Mortgage Repayments

Our recent in-house market research indicates that average mortgage repayment costs will jump by £1,300 by the end of the current year, but there may be a silver lining at play. Households with a mortgage are now paying 56% more than they did ten years ago, with another potential 8% uplift anticipated by December. In this article, ..

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How Landlords Can Boost Rental Income by 21%?

Landlords have seen margins whittle away over the last few years due to changing tax allowances and increasing regulation - but they may be able to bump their income up by as much as 21%! The holiday let market, offering short-term rentals, could significantly boost income, given the premium achievable over regular residential rental p..

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Discover the Best UK Locations for Holiday Let Investments

UK holiday rental properties have done incredibly well since the beginning of the pandemic, as people look for staycations without the cost, the hassle of testing requirements and the potential for lengthy delays we now associate with overseas trips. Several popular holiday hotspots are dotted across the country, although some have hig..

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Advice on Applying for a Mortgage With Bad Credit in an Inflationary Economy

Over the last few months, we've seen base rates continue to rise, causing the interest charged on a mortgage to increase correspondingly. Lenders are introducing new measures to ensure they lend responsibly, potentially making it more difficult for applicants with an adverse credit history to secure the borrowing they require. You c..

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Tips For Leveraging Home Equity Through a Remortgage

Knowing that you have equity in your home and understanding how to make the most of it aren't mutually exclusive! You can use equity to pay off debts, extend your borrowing, or access funding for renovation projects, or a big purchase, depending on the value of your property and your mortgage balance. Revolution Brokers explains the..

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How to Tackle an Unsuccessful Remortgage Application

Applying for a remortgage can be stressful enough, but it can make it difficult to know how to move forward if your lender turns you down. There are multiple reasons to review your mortgage regularly and remortgage onto a better deal or a lower interest rate, and several common reasons lenders reject applicants. Today Revolution Fin..

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When is a Good Time to Remortgage?

Most homeowners will come to remortgage at some stage, usually to replace an existing mortgage with a better deal or borrow more against their equity. Around 30% of all mortgage applications are remortgages, so they're an everyday product - but with lots of potential pitfalls to watch out for! Today the Revolution Brokers team has c..

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Guide to Remortgaging to Finance a Home Renovation

Remortgaging your home is a great way to release equity and raise finance for those home improvement jobs you've always wanted to do. Before applying, it's vital to work out how much equity you have in your property and ensure sufficient capacity to borrow the funds required for the renovation you have in mind. In today's article, t..

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Do I Qualify for First-Time Buyer Status?

Do I Qualify for First-Time Buyer Status? Working out whether or not you are a first time buyer may seem obvious - but there are plenty of scenarios where your position isn't clear! Examples might include: New buyers who have inherited a property they rent out. Buy-to-let investors that have never purchased a residential hom..

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How Does a Remortgage Application Work?

Most homeowners know that remortgaging means switching a mortgage from an existing lender over to a new deal. However, the process isn't always obvious. If you're on a fixed-rate deal, you'll want to get ahead of the end of the term to avoid being shuffled onto a higher standard variable rate where your interest costs will undoubtedly ..

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Understanding Lender Risk on First-Time Buyer Mortgages

Finding a great mortgage as a first time buyer can feel like an uphill struggle, with a larger proportion of applicants being turned down than a year ago. Around 20% of first-time mortgage applicants are rejected, usually because of the lender risk associated with their loan. Today, Revolution Brokers explains the highest risk facto..

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Pros and Cons of First Time Buyer Buy to Let Mortgages

Investing in a rental property can be an excellent way to get onto the property ladder and earn an income. However, if you haven't owned a residence before, you might find that a mainstream bank will automatically turn you down for a buy to let mortgage as a first-time buyer. In today's guide, the Revolution Brokers team explains ho..

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Mortgage Deposit Requirements for First-Time Buyers

Buying a home for the first time is a massive step - but the deposit is often a stumbling block for first-time buyers. It can take years to save a sufficient amount or be impossible, so there are several ways to approach the problem and get your foot onto the property ladder. From April 2021, the UK government launched the new mortg..

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Why Property Auction Finance is Booming!

There is little doubt that UK buyer confidence is at an all-time high. We've recapped previously in our blogs how property market growth and prices have soared over the last few months! As we head into summer, one key area of mortgage finance seems to be expanding rapidly: property auction finance. In this article, the Revolution..

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Property Development vs Buy to Let Investments

Here at Revolution Finance Brokers, we work with thousands of property investors every year. That might be to: Remortgage a portfolio of rental properties. Secure development finance for a new project. Finance a standalone property purchase or multiple acquisitions. Streamline portfolio mortgages for multiple investments. ..

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New 2021 Self-Build Mortgage Guarantee Scheme

Hot on the heels of the 95% mortgage guarantee scheme for residential buyers, the government has launched a brand new initiative to provide similar support for self-build home projects! This scheme is backed by £150 million of funding. It is called Help to Build, echoing the Help to Buy programme that has helped thousands of buyers ge..

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How to Speed Up the Home Buying Process

While so much of the property news of late has been about the Stamp Duty holiday, it's always been crucial for buyers to complete their purchase reasonably quickly. Before the rates relief begins to taper in July, undoubtedly, we're expecting to see continued record-high property investment volumes and homeowners rushing to complete a ..

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Understanding the Recovery Loan Scheme

After a year with so many challenges for UK businesses across the spectrum, the British Business Bank has now launched the new Recovery Loan Scheme. This programme aims to help British businesses recover from the pandemic, with borrowing available up to £10 million per business or £30 million for groups. Companies can apply for a ..

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How to Secure Development Finance in 2021

Development finance has multiple applications, and with the sector evolving quickly around changing appetites for new residential housing and commercial development projects, it's essential to stay ahead of the curve. Over the last year, it's been tricky for many developers to secure the borrowing they need. This challenge is owing to ..

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Are UK Property Price Rises Gradually Slowing?

Over the last year, we've seen considerable variances in average property prices, as the market first stalled and then resumed with force. The introduction of the stamp duty holiday has been an added incentive for home movers and investors to snap up bargains while the reduced tax liability exists - and this extraordinary level of dema..

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The Revolution Guide to Making Smart Property Decisions Post-Lockdown

Following budget announcements and the beginning of lockdown restrictions lifting, the UK housing market remains strong, with continuing high activity levels. We heard this month that the government had extended the Stamp Duty holiday, and while this has been a massive incentive for many investors, it's also seen a surge in demand for ..

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Are Pet-Friendly Properties the Future of the Rental Sector?

With the rental market as competitive as ever, the Revolution Brokers team often works with landlords and private investors who have grasped opportunities to expand their portfolios and provide attractive rental properties commanding high investment returns. One of the increasingly in-demand factors is allowing pets. Following recent c..

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How the 2021 Budget Will Impact Property Investors

Last week we finally heard about the tax changes for 2021/22, following months of rumour about what the government might announce to help stimulate an economic recovery following the pandemic. For the last few tax years, landlords and property investors have been relatively hard hit by the Budget, with changes to tax relief allowances ..

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The New Government 95% Mortgage Scheme Explained!

This week's Budget was hotly anticipated, with so much speculation about announcements around Stamp Duty. There was also confirmation about a new government mortgage guarantee scheme, which will open up the market to thousands of existing homeowners and first-time buyers who have found themselves locked out of mortgage eligibility. ..

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Is Now a Great Time to Consider Product Transfers on a Buy to Let Mortgage?

Product transfers are an alternative option if you're not satisfied with your existing buy to let mortgage rates or want to switch to a more competitive product. Unfortunately, they seem to be something few landlords know about or consider as a viable option - and carry multiple benefits as a way to refinance your current deal and cut ..

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Extensions to Eviction Bans and Stamp Duty Holidays!

As the pandemic plays out, and lockdown restrictions remain in situ, we're facing a market that is continually hanging in the balance, waiting for updates and announcements. For many people, the essential news will be about when schools are likely to reopen, or when they might be able to visit friends and family. In the property sector..

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How To Avoid Quick Buy Property and Mortgage Scams

The property market is under immense pressure, with Stamp Duty holiday deadlines under discussion, affordability rising and prices escalating. Here at Revolution Brokers, we've seen an enormous level of demand across the board. From first-time buyers completing Help to Buy purchases (the scheme closed for most new applicants in Dece..

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The Bounce Back for the World of UK Property Development

Like so many parts of the property lending sector, bridging finance has had a rocky ride over the last year or so. Primarily the foundation of auction finance and development investments, it has ground to a halt. While buy to lets and residential sales meet record highs, the prospects of developing a new renovation project, or snagging..

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How Do You Know if You are Paying Too Much for Your Mortgage?

Our homes are nearly always one of the most significant investments we ever make. Much of our careers and income are decided around our lifestyle aspirations, where we want to live, and when we need to downsize or move into a larger property. Monthly mortgage payments are also one of the highest costs we pay, and the standard 25-year t..

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Latest Property Sector Updates - Repossession Bans, Stamp Duty Extensions & the Renter's Reform Bill

This week, with so many significant announcements on the property market front, we'll recap the most important new rules, eviction regulations and notices that have landed on our desks! With the seeming race to the finish at 31st March, and property transactions still piling up at record pace, there is every possibility that new change..

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Buying a Property During Lockdown - The 2021 Guide

We haven't started off January 2021 in quite the way we'd all have liked - but with March looming as the current end of the Stamp Duty holiday, it's all systems go at Revolution Brokers! We're receiving a massive volume of enquiries about property sales, investments, and transactions during this newest lockdown period, so thought it wo..

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2021: The Year Ahead in Property

While we're not yet 'post-pandemic', and the UK faces another series of tough lockdowns, it is fair to say that we've seen a tremendous performance from the housing market in what has been a chaotic few months. The Revolution team reported back in November how the housing market had hit new records for mortgage approvals. We had see..

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Is Investing in Student Housing Still an Attractive Option in 2021?

While 2020 has had a dramatic impact on the housing market, and indeed on the education system, universities continue to draw record numbers of applicants. As the number of students accessing higher education across the UK grows, so too does the demand for good quality student accommodation. Many investors are taking advantage of lu..

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How Can Bridging Finance Help Investors Expand a Property Portfolio?

While bridging finance is not a new product, it is often overlooked as a potential tool to help landlords purchase investment properties where a traditional buy to let mortgage doesn't fit the circumstances. In this article, the Revolution Finance Brokers team explains what bridging finance is, how it works, and why it might be the sol..

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Property Investment Advice - What to Do in a Down Valuation Scenario

Most property developers, investors and landlords will have been there once or twice; you're looking at property development finance, a new BTL mortgage or investing in a new-build in a lucrative area - and your plans are hit with a valuation that is well below your expectations. What can you do; and is the investment dead in the water..

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How is the Green Homes Grant Extension Beneficial to UK Property Landlords?

The Green Homes Grant was announced earlier this year, alongside a raft of changes to tax allowances, Stamp Duty rates, and electrical safety rules. While it may be challenging to keep up to date with new regulations, there is a positive here, in that the grant may provide a significantly cheaper way to improve your property portfolio...

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How to Buy Property Before the Stamp Duty Holiday Ends!

As we've previously reported, following a housing market slump after the initial lockdown began in March, sale prices have soared, and completion volumes have seen a fast return to record-high levels. One of the primary reasons for this is the Stamp Duty 'holiday' announced back in July. In a nutshell, that holiday means you can buy..

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COVID-19 & The 2020 UK Property Market

In a year of turbulence and constant flux, selling, moving home, or finding a mortgage may feel like an impossible task. However, the property market remains alive and well, with estate agents and lettings managers still operational throughout the current second UK lockdown. Let's consider what has happened to rentals, investments a..

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Housing Market Prices Hit New Records

In a turbulent year that shows no sign of slowing down, housing prices in the UK property market have accelerated to record heights ahead of the March 2021 end to the increased stamp duty thresholds. Nationwide reports that the average UK property now costs £227,826, reflecting a 5.8% increase. Stamp Duty Relief in 2020 Until Ma..

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Understanding CheckMyFile Credit Reporting Service

CheckMyFile is a UK credit reporting service that collates information from the four most popular Credit Referencing Agencies (CRAs). You may come across this service when applying for a commercial mortgage, asking for an indicative lending quote, or when looking into your credit score. Revolution Finance Brokers have created this ..

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Applying For A Mortgage In Coronavirus Lockdown

As the Coronavirus pandemic progresses, many homeowners, investors, movers and first-time buyers have had to put their plans on hold. While most estate agents are now open again, there remain significant changes to how UK residents can apply for mortgages, view properties, and indeed list their home for sale. These changes include: ..

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Bridging Loan to Build a House: Calculating Self-Build Mortgages

The purpose of self-build mortgages is to help individuals or developers to manage and develop their own property build. Let's take a look at how self-build mortgages work, and what sort of costs they entail. Due to the bespoke nature of a self-build mortgage, and the uniqueness of every property, it can be tricky to indicate the preci..

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UK Stamp Duty Holidays - Latest News

This week the UK chancellor announced a stamp duty holiday, which will exempt all properties sold in England and Northern Ireland from stamp duty tax up to the value of £500,000. From the current threshold of £125,000, this new tax limit is immediately available and will remain in place until March 2021 to help the property market bo..

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Quick Bridging Finance vs Barclays Bridging Loan

Bridging finance can help in multiple scenarios and is a cashflow lifeline with fast funding releases to cover immediate requirements. Choosing the most affordable lending means stepping away from the high street as they do not provide Bridging Finance, to take advantage of special rates and terms contact Revolution Finance Brokers! ..

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Finding the Right Commercial Mortgage Lender

When you are looking for a commercial mortgage, there are multiple lenders on the market to consider. It can be complex to compare different rates, terms, and fees. Revolution Brokers are on hand to help you make sense of the market, and find you the best deals to match your requirements. Choosing the right lender depends on your ci..

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Choosing a Bridging Loan Provider

Revolution Finance Brokers have created this guide to help you make an informed decision when choosing the best bridging loan provider for you. Bridging loans are usually required quickly, so if time is of the essence and you need fast, professional advice to get your funding in place, give Revolution Brokers a call on 0330 304 3040. ..

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Shawbrook Bridging Loans vs Unconventional Bridging Lenders

Revolution Brokers are not your average Commercial and Residential Finance Brokers; we are not confined to a restricted number of products and work on your behalf to achieve the best possible deals for your business.   Fast bridging finance from Revolution Brokers Bridging loans need to be fast, simple and streamlined! We provi..

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Dramatic House Price Drops - The Investors Market Continues

Highest House Price Falls For 11 Years Figures released by Nationwide show the highest drop in monthly house prices experienced in the UK for 11 years. This dip represents a 1.7% month on month drop. Annual growth in market prices has fallen by 50% from 3.7% to 1.8%, owing to the impact of the Coronavirus lockdown. HMRC has also ..

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HSBC Bridging Loans vs Revolution Finance Brokers

Revolution Brokers are not your average high street lender; we are not confined to a restricted number of products and work on your behalf to achieve the best possible deals for your business. Low-Cost Bridging Loans If you need a fast bridging loan, you need it to be low-interest, tailored to your needs, and sustainable. We provide..

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Competitive Bridging Loans Vs Natwest Bridging loans

Low-Interest Rate Bridge Loans from Natwest Bridging loans are convenient lending options when you need short-term financing, to shore up a gap of your property purchase unfortunatley natwest does not offer Short term bridging loan but not to worry as we have hundreds of lenders that do.   Revolution Finance Brokers can offer: ..

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Why Switching Mortgages Is Easier Than You Think!

Mythbusting With Revolution Finance Brokers As mortgage finance specialists, we work with clients from every sector looking for the best deals on the market.  Here are some of the most frequently asked questions we hear, and why the myths about switching mortgages are not correct!   FAQ - Residential Mortgages Isn't it ju..

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UK Housing Market On The Rise With Higher LTV Lending

Amidst national uncertainty, the Office for National Statistics (ONS) has released pricing data for March 2020. These figures show a steady increase in average property values of 2.1% per annum. The ONS has confirmed that it will shortly release the housing prices for April 2020. After this, the index will close temporarily due to the ..

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Property Investments - Is Now The Perfect Time To Buy?

With dips in house prices following the Covid-19 pandemic, we are receiving lots of enquiries for advice about when to invest. Let's take a look at how the outbreak has impacted the housing market, and what the future has in store!   Covid-19 And The UK Housing Market Nationwide reported annual growth in housing prices of 3.7..

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Lockdown And The Buy To Let Housing Market

UK lockdown began in March, and although we hear a lot of uncertainty about how this will impact the buy-to-let housing market, the future is looking up! Here is why, and how to strategise to take full advantage of the changes taking place.   Buy-To-Let Interest Rates  The Bank of England reduced the Base Rate (BBR) for the ..

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Development Exit Finance - Solutions Without Selling

The Covid-19 pandemic and resulting lockdown restrictions have left many developers unable to sell their properties. Being unable to sell means needing to continue to pay expensive development finance fees, without the ability to sell the property and pay off the lending. Revolution Finance Brokers is receiving multiple enquiries about..

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Types of security for Limited Company Borrowing

What Kind of Security Do Financial Providers Require When Lending to Limited Companies? There are a lot of terms to get your head around when it comes to borrowing via a limited company. What’s the difference between a fixed charge and a floating one? Do you know your debentures from your personal guarantees? To keep things simple, w..

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Comparing Cost and Time for Buy to Let Mortgages

Comparing Cost and Time for Buy-to-Let Mortgages If time wasn’t a pressing issue, every landlord in the country would always opt for the buy-to-let mortgage with the most affordable rate. However, there are certain situations in which a speedy deal is just as attractive as a cheap one, meaning cost isn’t always the bottom line. ..

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Advice for Purchasing Investments at Property Auctions

Property auctions can be stressful places. With a large amount of money changing hands in a short period of time, preparation is the key to a smooth and successful experience. Here are a handful of pointers on how you can ensure you enter the auction room equipped with the best chance of walking away with the deeds of the property that’..

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10 Most Commonly Asked Questions about incorporating a Buy-to-Let Portfolio into a LTD company

10 of the Most Commonly Asked Questions Regarding incorporating your Buy-to-Let Portfolio to an SPV Recent changes to the income tax regulations, alongside more stringent lending criteria as defined by the Bank of England’s Prudential Regulation Authority (PRA), mean that many landlords are now reviewing their property portfolios. Wh..

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Large Commercial Mortgages and the facts!

Large Commercial Mortgages – the Best Options With an ever-changing market, it is important to consult an expert broker to achieve the most favourable terms and interest rates available for larger mortgage requirements, whether for commercial premises or dual-use properties. Mortgage lenders base their offers on a combination of a..

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Commercial Mortgages - Specialist vs. High Street Lenders

Commercial Mortgages: Specialist vs. Mainstream Finding the best lender for your commercial mortgage, whether for an investment or as an owner-occupier, can be a minefield for businesses. Revolution Finance Brokers are on hand to help you make the best decisions, and provide access to the ideal mortgage solutions on the market. To ..

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Unsecured borrowing for Business Expansion

Expanding Your Business Through Unsecured Lending Here at Revolution Finance Brokers, we help business clients secure expansion lending of up to £10m, even when security is not available. The Difference Between Secured & Unsecured Secured Business Loans: Secured lending uses an existing asset as security, which can be called i..

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How to secure a long term Commercial Mortgage

Securing a Long-Term Commercial Mortgage  Generally, mortgage offers to purchase a residential property come with terms of 25-30 years, but commercial mortgage terms tend to be much shorter at only 5-10 years.  The mortgage products provided by commercial lenders are called committed facilities, which are calculated on a short-ter..

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Property Investment Finance Options

Wise Investments – Which Properties to Choose Stamp duty is a major consideration when making investment decisions since different rates are applicable depending on whether your investment is a commercial, residential or dual-use property. This payable duty is levied against purchases of property, whether land or buildings, throug..

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Why the 18-year property cycle is so important? Part 3

How to recognise, prepare for and profit from the property cycle 3. How to profit from the property cycle: dos and don'ts So we've looked at why there is a property cycle, and we've explained each stage of it, so you probably have a good idea of how far along we are and you can make predictions on what will happen in the next few ye..

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Why the 18-year property cycle is so important? Part 2

How to recognise, prepare for and profit from the property cycle 2. The stages of the property cycle In the second of three articles on the 18-year property cycle, we identify its key stages before leading into how investors can work with the cycle to make the most from their portfolio. Crash We may as well start at rock botto..

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Why the 18-year property cycle is so important? Part 1

How to recognise, prepare for and profit from the property cycle 1. Introduction to the property cycle That's all very well, but how can you use the property cycle to make money? The 18-year property cycle is one of the most important things you should get to grips with as an investor. If you understand the cycle, you can avoid maki..

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How to finance your next property investment?

Finding your perfect investment property is one thing, but how are you going to fund it? Whether you are purchasing a residential, commercial or semi-commercial property there are a variety of ways to get finance for it. There are long-term finance options for those with well-thought out business plans, and for those that need a quick ..

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How to get a mortgage if you’re self employed?

If you're one of the 4.8 million self-employed people in the UK, you might think that your options are more limited than someone who doesn't have to file their own tax returns. You might have even written off your chances of getting a mortgage because you don't have a regular income. It's true, it can be tough. But it is achievable. Yo..

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Increase the value of your property

Do you want to increase the value of your property, without dipping into your savings? In our great nation, we can take pride in the fact that we can own our own homes, there are multiple ways to get on the ladder, once on it though its natural instincts to improve our castles. Home is where the heart is, or so the saying goes. Here at..

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Freehold Vs Share of Freehold

If you are a home-owner, then it will be very likely that you also own the land your house is on. It’s hard to imagine that you wouldn’t own the property if you actually owned the house. However, when we look at multiple flats in a block, you can question who actually owns the land underneath, with many different people owning apartme..

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Mortgages for the Over 60’s to 90’s

When assessing if a mortgage is appropriate, the FCA has always been very clear with mortgage companies, that the mortgage must be affordable and thus in your’ means. The FCA has never given any sort of direction as to age constraints in regards' to lending. Mortgage seekers over the age of 60 faces more difficulties in securing lending..

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Second charge mortgages

Second charge mortgages: are loans which are secured against your property, as the name suggests this loan is second to the first charge, which would be likely for a larger amount of borrowing, probably taken out when you purchased the property at the onset. Historically, when borrowers where turned down for financial support they m..

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Need a mortgage? High St or Broker?

Near enough everyone, at some point will realise the fact that buying a property is a road to venture down. Owning your own property has its advantages, historically we can see that properties only really seem to go up in value! An important old question seems to be; “if I rent, am I only paying off my landlord mortgage?” Answer in a ..

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Need a lender that lends six times your income?

Buying a new home can be difficult, especially as lenders only prefer to lend a multiple of 4.5 times your income. As the average price of a property in the UK is around the 220k and the average household income being around 26k, the maximum you could borrow would be around 117k. This means owning your own home is near high impossible...

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Interest Rates- Are they likely to rise "Post Brexit"?

Interest rates play a major role to those with mortgages. Is it, in fact, one of the most frequently asked questions about mortgages advisors are interest rates going up and is it a good time to buy? How will rising interest rates affect my repayment is also a question which is quite high on client’s minds. The good news for UK buye..

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Can’t pay your mortgage? What are the consequences you may face?

If you are struggling to pay your mortgage, whether it be because of your income, the additional factors such as family or debt or the loss of your job, the consequences are still going to take its toll on you. The Starting consequences: Once you miss your mortgage payment, a fee may be passed to you, and it is usually an admin fe..

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Can I get a mortgage with bad credit?

Getting a Mortgage with Bad Credit. Here at Revolution Finance Brokers, we take pride in being able to find the best mortgage deals available to any of our clients who have bad credit. Our aim is to make it as easy as possible to get a mortgage. We make sure all recommendations made by our brokers is tailor suited to our applicant’s ..

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Risks of a mortgage

You want to move out of your house, and you’re looking at one particular house, and you’re just about to get a mortgage. But have you considered it will be beneficial for yourself financially? This is due to the fact that many aspiring homeowners, eager to move out of their parents’ house, do take mortgages, but they often find t..

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How will an interest rise affect mortgage rates?

Inevitably, there is a lot of uncertainty regarding interest rates in the UK and whether they will rise. A member of the Bank of England’s rate-setting committee has fuelled speculation that interest rates could rise as soon as November 2017 so the current record low rate of 0.25% could quickly increase according to recent macroeconomic..

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How to save money on your Mortgage?

Never get stuck on the lenders Standard Variable Rate An applicant never wants to get stuck on the lenders standard variable rate especially now that rates are at an all-time low and lenders are providing cracking rates on their fixed products. Fixed rate products could save applicants hundreds of pounds per month but they only last fo..

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Do you have no commercial experience but want a commercial mortgage?

With a lower stamp duty payable and higher yields, it’s no secret that mixed-use / semi-commercial properties are all the rage with residential landlords. When it comes to lending there are certain things to look out for when purchasing a commercial investment property, especially if it is your first one. We shall endeavour and try a..

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Looking for a buy-to-let property?

How the rules have changed for portfolio landlords and buy-to-let mortgages, and what landlords need to know Three years ago, some major changes were implemented for buy-to-let landlords. Two stages were rolled out: New mortgages were subject to raised interest rates, and lenders were required to ask for much more information from port..

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Why buying in London might be the best thing you can do right now?

The mere thought of purchasing a buy-to-let in London has caused many investors to run for the hills, and we all know the reasons why. The combination of increased stamp duty, tax relief cuts, raised interest rates and potentially lower yields than in other parts of the UK is making a lot of landlords nervous. Meanwhile, there's uncert..

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How to borrow more from my buy to let property if I am a higher rate tax payer?

Calling all landlords! If you own multiple buy to let properties Top Slicing may be for you. The Bank of England’s Prudential Regulation Authority (PRA) initiated more stringent rules for landlords who owned four or more buy-to-let properties. Lenders have had to amend there ways or disregard the business completely. Top Slicing mort..

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EXPATRIOT MORTGAGES

There are many expats from the UK, that still hold a passionate relationship with their home country, so there’s no wonder that expats buying property in the UK is on the rise. British passport holders who are living or working abroad are applicable to buy property, here we try explaining the process. Firstly, we would strongly recom..

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FCA disclaimer

The content included in our articles, blogs, web pages and news publications is based on information accurate at the time of writing. Note that policies and criteria can change regularly throughout the UK mortgage lending market, and it remains essential to contact the consultation team to receive up to date guidance. The information included on the Revolution Brokers site is not bespoke to any circumstances or individual application scenarios and therefore is not intended to be used as financial advice. The content we share is designed to be informative and helpful but cannot be relied upon to provide individual advice relevant to your mortgage requirements. All Revolution team members are fully qualified, trained and experienced to provide mortgage advice of an independent nature.

We collaborate with lenders and providers who are regulated, authorised and registered with the Financial Conduct Authority (FCA). Should you require specific mortgage borrowing types, some products such as buy to let mortgages may not be FCA regulated. The Revolution team can provide further information about regulated and unregulated lending as required. Please remember that a mortgage is a debt which is secured against your home or property. Your home can be at risk of repossession if you do not keep up with the repayments or encounter any other difficulties in managing your mortgage borrowing responsibly. This also applies to any remortgage or home loan secured against your property, including equity release products.