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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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Homebuyers 'wary' of Green Deal

Prospective home buyers are 'wary' of buying a property that has a Green Deal loan attached to it.

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Prisk admits self-build market has far to go; Lloyds to push kit homes

Housing Minister Mark Prisk has admitted the idea the self-build market had grown to maturity in the last three years was "false."

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Warning for Brits with second homes in Spain

Brits who own second homes in Spain could soon find it difficult to rent them out to holidaymakers.

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Rogue 'self-cert' advice firm targeting UK borrowers

The Financial Conduct Authority (FCA) has warned borrowers about an unregulated mortgage adviser promising self-certified and 100% plus loan-to-value mortgages.

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Tory MP claiming mortgage interest faces court over £54,000

The MPs' expenses watchdog is taking legal action against a Conservative MP for £54,000 of capital gains on his publicly funded Peterborough home.

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Government plans to kickstart self-build market

The government has unveiled a series of self-build projects as part of its plans to kickstart the market in 2013.

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Renting puts 'children's well-being in jeopardy'

The volatility and uncertainty of renting is having a damaging impact on the lives of children, Shelter has warned.

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New sub-prime lender to launch

A new lender offering mortgages for borrowers with adverse credit is expected to enter the market within the next few weeks, according to an industry insider.

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Bath BS boasts 40% mortgage lending increase

Mortgage lending at Bath Building Society rose 40% during 2012, according to its latest set of annual results.

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Lloyds' branch sale to Co-op collapses

The Co-op has pulled out of its planned purchase of Lloyds Banking Group's branch sale in what is thought to be a bitter blow to the Treasury.

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EU mortgage directive contents agreed

A provisional agreement has been published on the contents of the EU mortgage directive, expected to be implemented by 2015.

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Legal change could boost self-build

Exemption from paying an existing levy could make self-build a more attractive proposition.

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Ex-HBOS chief James Crosby to forfeit knighthood

Former HBOS chief executive Sir James Crosby is to give up his knighthood and a third of his pension, according to reports.

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Rogue trader Leeson to advise Irish borrowers on bank debts

Nick Leeson, the trader whose wrong- way bets on Japanese stocks ruined Barings Plc, is joining a mediation firm to advise Irish borrowers looking to renegotiate debts in the wake of the real estate collapse, according to reports.

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Hepatitis C sufferers struggle to get mortgages

The overwhelming majority of Hepatitis C sufferers have not sought any form of insurance, and 10% have found it hard to get a mortgage.

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