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Blogs

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 mortgage, asking for an indicative lending quote, or when looking into your credit score. Revolution Finance Brokers have created this guide to ex..

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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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Is commercial property the answer to residential landlords problems?

Recent tax reforms and regulatory changes have hit buy-to-let landlords hard, and now there's another obstacle for investors - a potential rent freeze in London. It's a major worry for the capital's investors, who are set to lose anywhere up to around £20,000 a year if the freeze is implemented. As London prepares to follow in the foo..

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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

*Based on our research, the content contained in this article is accurate as of most recent time of writing. Lender criteria and policies change regularly so speak to one of the advisors we work with to confirm the most accurate up to date information. The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All advisors working with us are fully qualified to provide mortgage advice and work only for firms who are authorised and regulated by the Financial Conduct Authority. They will offer any advice specific to you and your needs. Some types of buy to let mortgages are not regulated by the FCA. Think carefully before securing other debts against your home. As a mortgage is secured against your home, it may be repossessed if you do not keep up with repayments on your mortgage. Equity released from your home will also be secured against it.

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