logo
Call Us
0330 304 3040
General Enquiries
info@revolutionbrokers.co.uk

Thinking of Buying a Home?

We specialise in all aspects of Residential & Commercial Lending; we are your guiding partner throughout the borrowing process.

Get Started

Blogs

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..

Read More

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..

Read More

Property Development vs Buy to Let Investments

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..

Read More

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..

Read More

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 ..

Read More

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 ..

Read More

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 ..

Read More

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..

Read More

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 ..

Read More

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..

Read More

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 ..

Read More

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. ..

Read More

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 ..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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...

Read More

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..

Read More

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..

Read More

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..

Read More

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 ..

Read More

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: ..

Read More

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..

Read More

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..

Read More

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! ..

Read More

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..

Read More

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. ..

Read More

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..

Read More

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 ..

Read More

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..

Read More

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: ..

Read More

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..

Read More

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 ..

Read More

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..

Read More

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 ..

Read More

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..

Read More

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..

Read More

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. ..

Read More

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’..

Read More

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..

Read More

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..

Read More

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 ..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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 ..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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 ..

Read More

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...

Read More

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..

Read More

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..

Read More

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 ..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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..

Read More

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.

Do you have a question?

Call us on 0330 304 3040 or
Contact via our online form.