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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Financial adviser among four jailed for ‘dizzying' £5m mortgage fraud

An estate agent and financial adviser are among four fraudsters due to be jailed in Wales today after perpetrating a complex web of mortgage and ID fraud.

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Teachers Building Society targets older borrowers

Teachers BS has launched two new mortgages to cater for education professionals up to the age of 83.

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Government must prioritise use of empty homes

Almost three-quarters of British adults want the government to prioritise the issue of empty homes in the UK, research from Halifax and charity the Empty Homes Agency has revealed.

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Leeds Building Society to start lending on s106 properties

Leeds Building Society will begin lending on properties restricted by s106 agreements from 1 December, which can include affordable or local authority properties with restricted covenants.

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Nationwide refutes claim lending drop is linked to older borrowers

Nationwide has refuted suggestions in the national media that a £900m drop in its mortgage lending is linked to an unwillingness to lend to borrowers into retirement.

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West Brom doubles its maximum loan size to £1m

The West Brom building society has announced it is increasing its maximum loan size from £500,000 to £1m for loans up to 75% loan-to-value (LTV).

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Large mortgage broker firm launches with fees of over 1%

An insurance firm has launched a mortgage advice service ‘Unusual Mortgages' for borrowers looking for a large mortgage loan which it claims will beat the competition on fees.

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Average Help to Buy 2 deposit falls to under £9,000

Home buyers using the Help to Buy mortgage guarantee scheme were able to access the property ladder with average deposits of just £8,974 in September, according to data from Mortgage Advice Bureau (MAB).

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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.

Judge's gavel

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.

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