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Securing an excellent mortgage offer with Revolution Finance Brokers couldn't be easier

1Get in Touch

Complete a quick form to give us an overview of your mortgage or financing requirements, and we'll provide recommendations about the best opportunities for you.

2Submit Your Application

Once you've chosen your preferred mortgage deal, we'll steer you through the paperwork with comprehensive application management from start to finish.

3Mortgage Completion

Revolution Finance Brokers will finalise the details and enable you to move forward without delay!

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Back | Insurance

Business Protection Insurance

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Building Insurance

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Back | Calculators

Commercial Stamp Duty

How Much Can I Borrow?

Buy To Let

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Back | Your Mortgage Position

Your Mortgage Position

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Back|Bad Credit

Bad Credit Mortgages

Mortgage for Applicants with Bad Credit

Mortgage with Defaults on Your Credit

Buy to Let Mortgage With Bad Credit

Mortgages for Debt Consolidation

Finding a Mortgage with Poor Credit

Mortgage Interest Rates with Bad Credit

Mortgage After Repossession

Getting a Mortgage After Payday Loans

Avoiding Repossession

Subprime Mortgages

Bridging Loan with an Adverse Credit

Mortgage with a CCJ

Mortgage with Credit Card Debts

Adverse Credit Mortgage Online

Self-Employed Mortgage with Bad Credit

Shared Ownership Mortgage with Adverse Credit

Right to Buy as a Bad Credit Applicant

Commercial Mortgages for Bad Credit Borrowers

Deposit Requirements for Bad Credit Mortgages

Finding a Mortgage Offer After Rental Arrears

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

How Does the Help to Buy Scheme Work for Bad Credit Applicants?

How to Decipher Your UK Credit Reports

How to Qualify for a Mortgage with Zero Credit Score

How to Secure a Bad Credit Buy to Let Mortgage

Is it Possible to Find a Mortgage After Bankruptcy?

Joint Mortgage Applicant Has Bad Credit

Back|Bridging

Bridging Finances

Auction Finance

Fast Bridging Finance

Low-Cost Bridging Loans

Bridging Loans Guide

Bridging Loans for Residential Homes

Bridging Loan at 100% Loan to Value?

Commercial Bridging Finance

Bridging Loan with Adverse Credit

Fast Bridging Finance

Financing a Property Purchase at Auction

Finding Regional UK Bridging Loans

Financing an Auction Property Purchase

Bridging Finance for Land Developments

Long & Short Term Bridging Finance

Bridging Finance on Rental Investments

Bridge to Let Mortgage Borrowing

Using Bridging Finance for Development Projects

Back|Buy to Let

Buy to lets

Buy To Let Mortgages for Expats

Buy To Let Refurbishment Mortgages

Buy to Let Interest-Only Mortgages

Changing Your Mortgage to Buy to Let

Mortgages for Buy to Sell Investments

Company Mortgages for SPVs

Stamp Duty for Buy to Let

HMO Finance

LTD Company Property Finance

Holiday Let Mortgages

Holiday Let Mortgages 80 LTV

Repayment Mortgage for Buy to Let

Buy To Let Mortgages For New Builds

Buy to Let Mortgages Guide for Investors

Buy To Let Mortgage With Poor Credit

Let to Buy

BTL UK Portfolio Mortgages

Portfolio Landlord Mortgages

Property Refurbishment Finance

Best Buy to Let Mortgages: 75% LTV

Buy to let 80% LTV Mortgages

Buy to Let Remortgage

Securing BTL Mortgage Quotes & BTL Agreement

Buy to Let Mortgages for First Time Buyers

Buy To Let Mortgages For Retiree Landlords

Back|Development Finance

Development Finance

Development Finance Explained

Guide to Construction Finance

Development Exit Finance

Why Location Matters in Development Finance Applications

Development Finance for Residential Properties

Finance a Property Development with No Deposit

Development Finance Applications

Development Finance ROI

Checklist of Considerations before you Develop Your First Propertyce

Development Finance FAQs

Lender Criteria for Development Finance

Back|Self Employed

Self Employed Mortgages

Company Director Mortgages

Mortgages for LLPs

BTL Mortgage If You Are Self Employed

Self-Employed Mortgage After 2 Yrs Accounts

Mortgages For Newly Self Employed

Mortgage for Partnerships & Sole Traders

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Back|Mortgage for Professionals

Social Worker Mortgages

Foster Carer Mortgages

Mortgages for Armed Personnal

Finding a Mortgage for Doctors

Graduate Mortgages

Teacher Mortgage Options

Mortgages for Solicitors, Barristers & Lawyers

Mortgages for UK Professionals

Back|Equity Release

Lifetime Mortgages

Equity Release With & Without Mortgage

Equity Release with a Mortgage

Interest-Only Equity Release Mortgages

Home Reversion in Equity Release Financing

Analysing Equity Release Product Safety

Equity Release as a Retirement Strategy

Repaying an Equity Release Mortgage Early

Back|Expat Mortgage

Expat Remortgages for UK Nationals

Finding a UK Mortgage Broker as an Expat

Expat Mortgages for UK Nationals

Buy To Let Mortgages for UK Expats

Mortgage Calculator Guide for Expats

Back|Interest Only

Interest-Only Lifetime Mortgages

Switching Your Mortgage to Interest-Only

Part Repayment & Interest-Only Mortgages

Repayment vs Interest-Only Mortgages

Interest-Only Mortgage for First-Time Buyers

Secured Interest-Only Home Loans

Interest-Only Retirement Mortgages

Interest Only Mortgages

Repayment Vehicles for Interest Only Mortgages

Back|Mortgage Affordability

Mortgage on 5.5 x Salary

Mortgage on a Single Income

Mortgage with an Overdraft

Mortgages on 4 - 4.5 x Salary

Mortgage based on Salary

Mortgage on a Single Income

Requirements for a £350,000 Mortgage

Mortgages at 6 x Income

Affordability Check for a Mortgage Application

How Do Mortgage Affordability Checks Work?

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Mortgages for Individuals

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Mortgage Agreement in Principle

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Single Parent Mortgage

Joint Mortgage Applications

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Back|Income Types

Mortgage with Non-Mainstream Income

Mortgage on a Temporary Work Contract

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Mortgages for Part-Time Workers

Mortgage Applications Based on Pension Income

Mortgage Options for Gambling Income

Mortgages for Freelancers & Self-employed

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Back|Residential Mortgages

Back|Commercial Mortgages

Commercial Property Finances

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Interest Only Commercial Mortgages

Mortgages For Flats Above Shops

Mortgaging Land Purchases

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Large Commercial Mortgage

Bridging Loans for Commercial Mortgages

Mortgages for Large Investments

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Mortgages for Dental Practices

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Remortgaging Commercial Property

Care Home Commercial Mortgages

Second Charge Mortgages

Business Through Mortgage Lending

Deposits on Commercial Mortgages

Hotel Mortgages

Affordability Criteria in Commercial Mortgages

Pros & Cons of Commercial Mortgages

Buy to Let Mortgages for Businesses

Mortgage Terms on Commercial Lending

Asset Finance & Working Capital

Unsecured Business Loans

Business Expansion Finance

Invoice Finance

Partnership Buyout Finance

Hire Purchase

Lease Purchase

Back|Property Types

Mortgage Rates on New Constructions

Timber Framed House Mortgages

Home with Identified Asbestos

Mortgage on a Maisonette

Property with a Deed of Covenant

Mortgages on Non-Standard Developments

Mortgages on Single Brick Properties

Eco-Friendly Home Mortgages

Ex-Local Authority Flat

Flying Freehold Mortgage

Thatched Roof Property

Flat Mortgages for High Rises

Studio Flat Mortgage

Mortgage on a Home with a Flat Roof

Mortgage Survey Undervalues Your Property

Properties in Flood Risk Areas

Mortgage Lending on Homes with Annexes

Steel Framed House Mortgages

Mortgages for Concrete Properties

Mortgages for Leasehold Properties

Mortgaging a Cottage Property

Mortgage for below Market Value

Repossession Property Purchase

Planning Permission for British Properties

Mortgage on a Home Adjacent to Commercial Properties

Back|Remortgages

Back|Mortgage Declined

How To Deal With Having A Mortgage Declined On Affordability

Finding a Solution When You Have Had a Mortgage Declined Post-Valuation

Help for Homebuyers Who Have Had a Mortgage Declined After Agreement in Principle

Tips and Advice on Proceeding If You Get Declined for a Mortgage After Exchanging Contracts

What to Do if You Have Had a Mortgage Application Declined

Back|First Time Buyers

First Time Buyers

Deposit Requirements

First Time Buyer Guarantor Mortgages

Applying for a First-Time Buyer Mortgage

First-Time Buyer Mortgages With a 10% Deposit

Finding a First Time Buyer Mortgage With a 5% Deposit

First-Time Buyer Stamp Duty and Mortgage Costs

Back|Offset Mortgage

How To Find the Lowest Fixed Rates on Offset Mortgages

What is a Flexible Mortgage - And Who is It Best Suited To?

Offset Mortgages Rated - Pros and Cons

Average Rates on UK Offset Mortgages

What Are Cashback Mortgages - and How Do They Work?

Guide to Understanding UK Offset Mortgages

Is a UK Current Account Mortgage Right For You?

Guide to Offset Mortgage Online Calculators

How Family Offset Mortgages Work

Mortgage Reserves - How an Offset Works

Back|Other Mortgages

Second Charge Mortgages

Applying for a Mortgage With a New Job

Mortgages for Uninhabitable Property Purchases

Can I Mortgage a Contaminated Land Investment?

Can I Mortgage a Listed Grade Two Property?

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

How Does a Public Footpath Impact My Mortgage Chances?

How Many Mortgage Products Can I Have Simultaneously?

What Deposit Sources are Acceptable in the UK?

What Sort of Homeowner Loan Am I Eligible For?

Complete Guide to the UK Mortgage Process

How Can a Broker Improve My Mortgage Eligibility Assessment?

Blogs & Guides

The Best Resource for Mortgage Blogs & Guides. Our Opinion On The Latest News

BLOGS

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

16 Nov 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..

What Lies Ahead for UK House Prices in 2023?

03 Nov 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..

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

31 Oct 2023

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..

Understanding Mortgage Fees and Managing Costs Smartly

24 Oct 2023

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..

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

16 Oct 2023

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..

A Comprehensive Guide for Aspiring Holiday Let Investors in the UK

05 Oct 2023

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..

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

22 Sep 2023

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..

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

21 Sep 2023

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..

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

14 Sep 2023

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 ..

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

05 Sep 2023

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 ..

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

04 Jul 2023

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 ..

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

11 May 2023

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..

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

29 Dec 2022

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..

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

18 Dec 2022

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, we wanted to pinpoint which specific parts of the commercial property market offer the best investment opportunities in terms o..

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

07 Dec 2022

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..

The London and South East UK HMO Investment Opportunity

29 Nov 2022

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..

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

18 Nov 2022

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..

HMOs Dominate the Rental Landscape in an Uncertain Property Market

07 Nov 2022

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..

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

26 Oct 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..

Pandemic Bridge Loan Borrowing Soars 28%

17 Oct 2022

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, ..

Mortgage Costs Jump 21.5% as Interest Rates Continue to Climb

08 Oct 2022

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..

New 2022 Stamp Duty Rates Explained

27 Sep 2022

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..

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

15 Sep 2022

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, ..

How Landlords Can Boost Rental Income by 21%?

09 Sep 2022

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..

Discover the Best UK Locations for Holiday Let Investments

27 Aug 2022

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..

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

21 Aug 2022

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..

Tips For Leveraging Home Equity Through a Remortgage

19 Aug 2022

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..

How to Tackle an Unsuccessful Remortgage Application

20 Jun 2022

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 Bro..

When is a Good Time to Remortgage?

13 Apr 2022

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..

Guide to Remortgaging to Finance a Home Renovation

11 Mar 2022

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..

Do I Qualify for First-Time Buyer Status?

10 Feb 2022

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..

How Does a Remortgage Application Work?

26 Jan 2022

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 ..

Understanding Lender Risk on First-Time Buyer Mortgages

17 Dec 2021

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..

Pros and Cons of First Time Buyer Buy to Let Mortgages

28 Oct 2021

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..

Mortgage Deposit Requirements for First-Time Buyers

12 Oct 2021

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..

Why Property Auction Finance is Booming!

24 Jun 2021

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..

Property Development vs Buy to Let Investments

25 May 2021

Here at Revolution 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. We ofte..

New 2021 Self-Build Mortgage Guarantee Scheme

05 May 2021

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..

How to Speed Up the Home Buying Process

28 Apr 2021

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 ..

Understanding the Recovery Loan Scheme

24 Apr 2021

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 ..

How to Secure Development Finance in 2021

20 Apr 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 ..

Are UK Property Price Rises Gradually Slowing?

13 Apr 2021

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..

The Revolution Guide to Making Smart Property Decisions Post-Lockdown

31 Mar 2021

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 ..

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

16 Mar 2021

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..

How the 2021 Budget Will Impact Property Investors

09 Mar 2021

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 ..

The New Government 95% Mortgage Scheme Explained!

05 Mar 2021

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. ..

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

02 Mar 2021

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 ..

Extensions to Eviction Bans and Stamp Duty Holidays!

16 Feb 2021

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..

How To Avoid Quick Buy Property and Mortgage Scams

09 Feb 2021

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..

The Bounce Back for the World of UK Property Development

02 Feb 2021

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..

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

26 Jan 2021

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..

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

20 Jan 2021

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..

Buying a Property During Lockdown - The 2021 Guide

13 Jan 2021

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..

2021: The Year Ahead in Property

05 Jan 2021

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..

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

30 Dec 2020

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..

How Can Bridging Finance Help Investors Expand a Property Portfolio?

22 Dec 2020

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..

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

16 Dec 2020

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..

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

08 Dec 2020

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...

How to Buy Property Before the Stamp Duty Holiday Ends!

01 Dec 2020

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..

COVID-19 & The 2020 UK Property Market

26 Nov 2020

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..

Housing Market Prices Hit New Records

02 Nov 2020

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..

Understanding CheckMyFile Credit Reporting Service

03 Oct 2020

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 ..

Applying For A Mortgage In Coronavirus Lockdown

15 Sep 2020

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: ..

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

13 Jul 2020

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..

UK Stamp Duty Holidays - Latest News

10 Jul 2020

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..

Quick Bridging Finance vs Barclays Bridging Loan

03 Jul 2020

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! ..

Finding the Right Commercial Mortgage Lender

26 Jun 2020

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..

Choosing a Bridging Loan Provider

19 Jun 2020

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. ..

Shawbrook Bridging Loans vs Unconventional Bridging Lenders

04 Jun 2020

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..

Dramatic House Price Drops - The Investors Market Continues

02 Jun 2020

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 ..

HSBC Bridging Loans vs Revolution Finance Brokers

29 May 2020

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..

Competitive Bridging Loans Vs Natwest Bridging loans

25 May 2020

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: ..

Why Switching Mortgages Is Easier Than You Think!

23 May 2020

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..

UK Housing Market On The Rise With Higher LTV Lending

20 May 2020

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 ..

Property Investments - Is Now The Perfect Time To Buy?

17 May 2020

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..

Lockdown And The Buy To Let Housing Market

15 May 2020

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 ..

Development Exit Finance - Solutions Without Selling

08 May 2020

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..

Types of security for Limited Company Borrowing

05 May 2020

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..

Comparing Cost and Time for Buy to Let Mortgages

01 May 2020

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. ..

Advice for Purchasing Investments at Property Auctions

30 Apr 2020

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’..

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

28 Apr 2020

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..

Large Commercial Mortgages and the facts!

23 Apr 2020

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..

Commercial Mortgages - Specialist vs. High Street Lenders

20 Apr 2020

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 ..

Unsecured borrowing for Business Expansion

18 Apr 2020

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..

How to secure a long term Commercial Mortgage

15 Apr 2020

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..

Property Investment Finance Options

11 Apr 2020

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..

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

16 Mar 2020

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..

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

09 Mar 2020

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..

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

02 Mar 2020

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..

How to finance your next property investment?

24 Feb 2020

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 ..

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

17 Feb 2020

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..

Increase the value of your property

10 Feb 2020

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..

Freehold Vs Share of Freehold

03 Feb 2020

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..

Mortgages for the Over 60’s to 90’s

28 Jan 2020

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..

Second charge mortgages

21 Jan 2020

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..

Need a mortgage? High St or Broker?

14 Jan 2020

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 ..

Need a lender that lends six times your income?

08 Jan 2020

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...

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

01 Jan 2020

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..

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

24 Dec 2019

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..

Can I get a mortgage with bad credit?

17 Dec 2019

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 ..

Risks of a mortgage

10 Dec 2019

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..

How will an interest rise affect mortgage rates?

03 Dec 2019

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..

How to save money on your Mortgage?

01 Nov 2019

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..

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

24 Oct 2019

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..

Looking for a buy-to-let property?

09 Oct 2019

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..

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

02 Oct 2019

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..

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

24 Sep 2019

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..

EXPATRIOT MORTGAGES

17 Sep 2019

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.

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