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.


Santander amends Help to Buy, affordability and interest-only policy

Santander has tightened its Help to Buy and general affordability criteria while paring back its interest-only policy.


Co-operative Bank receives £100m cash injection

The Co-operative Bank has received a £100m cash injection from its former parent as part of attempts to fill a £1.5bn black hole.


TWM launches let-to-buy mortgages

The Mortgage Works has launched a range of let-to-buy products up to 75% loan-to-value (LTV).

Auctioneer Gavel

Lenders accused of shortchanging repossessed vendors

Repossessed properties could achieve up to 20% more if insolvency practitioners (IPs)and lenders forged closer links with a range of auction houses, according to an auctioneer.

A thistle

Scotland confirms Right to Buy abolition

The Right to Buy scheme will be abolished in Scotland in 2016 following a vote in the Scottish Parliament.

Warning sign

‘Cause for concern’ over misleading bridging advertising

Some bridging lenders are attempting to lure borrowers onto loans that will cost more than they anticipate, a firm operating in the sector has claimed.

Thatched cottage

Lib Dems eye tax hikes on holiday homes

The Liberal Democrats are considering tax hikes on holiday homes to stop second home owners “gutting” rural communities and pricing locals out of the market.


British victims of Cyprus mortgage misselling compensated

Numerous claims brought by UK victims of alleged property and mortgage misselling in Cyprus have been settled.


SPF Private Clients to arrange mortgages for Huf Haus properties

Mortgage brokerage SPF Private Clients has announce a partnership with Huf Haus, a German manufacturer of prefabricated properties.

house sun

British buyers benefit as Euro interest rates fall

A cut in the European Central Bank (ECB)interest rate to 0.15% offers a positive environment for Brits buying homes overseas.

A neon sign advertising loans

Second-charge mortgage borrowing up 21%

Figures released by the Finance & Leasing Association (FLA) showed consumer borrowing grew by 7% in April year-on-year with second charge mortgage borrowing up by 21%.


NatWest introduces income multiple cap on large mortgages

NatWest is to follow Lloyds Bank by introducing a four times loan-to-income cap and maximum term of 30 years for all mortgage loans worth more than £500,000.


Incoming regulation will let down mortgage ‘misfits'

Stricter lending criteria could bar the self-employed and those earning less than £25,000 a year from the mortgage market after the regulatory rule changes on 26 April, said a mutual lender.

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.

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Paula is CeMap qualified.

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