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Specialist Mortgages

Introduction

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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.

How To

How to use London Help to Buy

Qualifying first-time buyers and homemovers in London could be eligible for a go...

How to buy a home: the process

A step-by-step guide to the process you will go through to purchase your propert...

How to save a deposit

The average UK property price at the end of 2016 stood at £220,000 according to...

How to get debt advice

Many thousands of people in the UK experience financial hardship at some point...

How to pay off your mortgage in retirement

Many people now reach retirement with outstanding mortgages, but what is the mos...

How to get a self-employed mortgage

While the property and mortgage markets continue to show positive signs of recov...

Guides

Guide to Help to Buy ISAs

The Government’s Help to Buy ISAs were launched in December 2015, giving wanna...

Guide to borrowing past retirement age

As an older borrower, you may be concerned that a lender will not offer you a mo...

Guide to flexible mortgages

A truly flexible mortgage allows you to do the following:

Guide to fixed-rate mortgages

Fixed-rate mortgages are fairly popular in the UK. As the name suggests, they al...

Guide to buying property in France

France remains a perennial favourite for overseas property buyers - for many goo...

Case study – Buying abroad

Amanda Turner, aged 48, and her husband Philip, aged 47, from Surrey, are about...

News

Majority of self-employed struggle to get on ladder

It's not easy for any first-time buyer to get a foothold on the property ladder,...

Second charge mortgage lending down

Second charge mortgage new business fell by 6% in terms of value in January 2017...

Budget 2017: All quiet on the housing front

Chancellor Hammond today announced a Budget that was distinctly light on housing...

Southern England is shared ownership hotspot

First-time buyers in southern England are more likely to opt for shared ownershi...

Government affordable housing programme gets £7bn boost

The money will mean more homes can be built in places where they are most needed

48,000 starter homes will be built in 2017

The ‘discounted’ first-time buyer homes will be built on brownfield sites ac...

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Speak to an adviser

If you are looking for a specialist mortgage and would like to speak to an impartial adviser free of charge, read on.

Bad credit mortgages

You are certainly not alone if you have experienced financial difficulties at some point in your life. This could cover anything from missing a credit card repayment to filing for bankruptcy.

Dishonesty on bad credit history quarter of all mortgage fraud

Almost a quarter of attempted mortgage fraud was due to individuals hiding adverse credit information and a further 21% from applicants providing misleading employment histories.

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How to protect your income

You can protect against losing your income through disability, no matter how it is caused, with Income Protection Insurance (sometimes also referred to as Permanent Health Insurance).

Over 50s with mortgages in repayment crisis

04/11/2014 More than two thirds of the 6.3 million over 50s with an interest-only mortgage, who had intended to pay it off with an endowment policy say their underperforming endowment will not foot the bill,

How to be a successful landlord

The National Landlords Association (NLA) has highlighted some important issues for landlords to consider.

Save money now!

See how much you could potentially save by remortgaging to a different product

Your Mortgage Guides

Guide to Offset Mortgages

Download our handy guide to offset mortgages, brought to you in partnership with Scottish Widows Bank

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How much can you borrow?

A calculator designed to help you understand how much you can borrow towards your property