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.

A view of the Eiffel Tower in Paris France

Clock ticking on France's tax discount for second homeowners

Britons looking to sell a second home in France are being urged to ramp up their efforts to find a buyer, in order to benefit from a reduction in capital gains tax (CGT) that comes to an end in August.

Danny Alexander

Lib Dems plan new tax band for £2m+ properties

A leading Liberal Democrat has outlined plans to implement additional council tax bands for properties worth over £2m.

Smart building and blueprint

Budget 2014: Chancellor launches £150m self-build fund

Chancellor George Osborne has announced a new fund for self-build homes and pledged more money to support small building firms.


Saffron lent £172m of mortgages in 2013 - results

Saffron Building Society has announced produced £172 million of new lending in a year in which its mortgage book grew to a record level of £847m.


FCA challenges lenders over arrears and forbearance

The FCA has challenged lenders to improve their arrears and forbearance management following a thematic review which found several counts of bad practice at firms.


Leeds BS loosens mortgage criteria

Leeds Building Society has opened up its mortgage criteria following feedback from customers.


Magellan cuts sub-prime mortgage rates to 5.42%

Magellan, the first sub-prime lender to launch since the credit crunch, has cut rates across its range to as low as 5.42%.

Ikea solar panels

Authorities renting back ex-council homes

A number of London councils are renting back 36% of the homes sold under the Right to Buy scheme.


Kensington introduces mortgages for contract workers

Specialist lender Kensington has launched a range of deals aimed at workers on short-term contracts.


Santander increases high LTV loan limits

Santander has increased the maximum lending caps on its higher Loan to Value loans.


Turkey property values up by 12.5%

The average price of residential property in Turkey has soared in the past 12 months thanks in the main to overseas demand.

EU flag

EU passes Mortgage Credit Directive

EU lawmakers have adopted the EU Mortgage Credit Directive after years of negotiations.


Juicy pickings for UK buyers in Florida

Florida holds sweet offerings for UK property buyers, thanks to exchange and mortgage rate movements.


GE Money cuts the cost of large mortgages

Intermediary-only mortgage lender GE Money has slashed the interest rates charged on big loans.


New CGT rules for foreign home sellers

Capital Gains Tax for non-resident overseas property investors will be introduced in April 2015.

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If you have a question about mortgages or homebuying, why not ask Editor in Chief Paula John?

Paula is CeMap qualified.

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