Specialist mortgages

If you need a mortgage for an unusual property, or if your circumstances are complicated, you may need a specialist homeloan.

These range from buy to let mortgages, which are quite common and charged at similar interest rates to residential home loans, to bad credit mortgages which are rare, likely to be more expensive and charge higher mortgage fees.

It can make sense to speak to an independent adviser to arrange a specialist deal for you.

Note that even a specialist adviser may not be able to secure a bad credit mortgage for you, depending on what is available and what your credit record looks like.

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UK exchange rate boosts continental property market

Excellent buying conditions, led by a strong pound, are drawing British buyers back to the overseas property market.

westminster

House of Lords attacks lenders' age discriminating criteria

Mortgage lenders have come under attack by the House of Lords for discriminating against older borrowers by placing age restrictions on their homeloans.

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Gang guilty of £30m mortgage fraud sentenced

A gang of four who masterminded a £30m mortgage fraud have been jailed for a combined total of 34 years.

Stressed worker

Payday consultation launches as Ombudsman investigates 70 complaints a month

Following the proposals to lower payday loan costs out today from the Competition and Markets Authority (CMA), the Ombudsman has confirmed it starts roughly 70 cases a month against payday lenders.

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Builders struggling to keep up with Help to Buy success – Nationwide

The success of the Help to Buy equity loan scheme has created building completion delays and caused mortgage offers to expire, Nationwide has warned.

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KPMG offers preferential staff mortgages

The giant accounting firm is to offer its employees subsidised mortgage rates via Yorkshire and Clydesdale Banks.

Bringing the growth of regulation to a halt

Second charge mortgages could be regulated

The Financial Conduct Authority (FCA) has today set out plans to bring second charge mortgages under its mortgage rules.

help-to-buy

Nationwide relaunches Help to Buy

Nationwide Building Society is resuming access for home movers keen to use the Government's Help to Buy equity loan scheme from tomorrow (24 September).

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Call to waive income cap for wealthy borrowers

The British Bankers' Association (BBA)wants High Net Worth (HNW) clients to be excluded from the four-and-a-half times income.

going-it-alone

Precise Mortgages reaches for self-employed

Precise Mortgages has widened its criteria for self-employed customers in a bid to grow market share in this area.

house

Britons want more homes but Not In My Back Yard

Just under half of Britons who were asked about their feelings towards the building of large scale housing programmes said they would oppose plans in their immediate neighbourhood.

awards-first

Peer-to-peer lender completes first residential 'mortgage'

Peer-to-peer platform eMoneyUnion has completed the first ever first charge residential crowdfunding loan.

mansion2

Accord introduces large-loan income multiple cap

Accord becomes the latest large lender to cap large loans following June's Financial Stability Report in which Mark Carney announced a cap on high loan to income lending (LTI).

kintai-bridge-yamaguchi

Value of bridging lending doubles in a year

The value of new bridging loans written has almost doubled to the end of June against the previous years' figures, according to data.

sunset-horizon

Trade body warns regulator over income limits

The Building Societies Association (BSA) wants a ‘sunset clause' to be added to the loan-to-income (LTI) cap due to concerns over the long-term effects it may have on the housing market.

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