Are you eligible for a foreign currency mortgage?

June, 23rd 2017

Foreign Currency Mortgages

If you are looking for a mortgage on a UK property, but earn in a foreign currency, there may be more options available to you than you think. Recent political and economic changes and new regulations may have made some investors buying in a foreign currency less likely to make big financial decisions. However, there are still many attractive rates worth considering, especially at a time when foreign currencies are strong against the pound sterling and there are great rates available.

Why you should re-mortgage or purchase your Buy to Let property now

June, 08th 2017

The first phase of the Prudential Regulation Authority (PRA) Buy to Let underwriting changes have now come into effect. Further amendments, affecting borrowers with four or more mortgaged Buy to Let properties, are to be implemented by the end of September 2017. These changes will impose tighter underwriting criteria for Buy to Let landlords.

This means that now is a great time to consider purchasing or re-mortgaging a Buy to Let property, in order to reduce the potential future complexity of your application and stricter affordability criteria.

Could you benefit from remortgaging now?

June, 07th 2017

Despite recent market uncertainty, the current outlook for those needing a mortgage or remortgage is more positive than it may seem. Remortgaging may not be at the top of your agenda, but it could be highly beneficial for you and could reduce your monthly mortgage expenditure considerably1, depending on your circumstances. Here, we outline a few reasons why considering your mortgage requirements now could be a good idea.

Buy to Let investors may have more options than they think

February, 14th 2017

Recent changes to Buy to Let mortgage affordability criteria are having a big impact on landlords. However, there are still some great opportunities, and more options to securing the lending required than investors may be aware of.

How BoE’s PRA proposal affects buy-to-let lending

May, 20th 2016

What does the PRA proposal from the BoE mean for buy-to-let lending?

The Bank of England’s Prudential Regulation Authority has released a proposal looking at buy-to-let lending, but what does it mean for the market?’s Paul Welch interviewed for this year’s Spear’s Property Index

April, 20th 2016

We are proud to announce that CEO Paul Welch was featured in the annual Spear’s Property Index.

The magazine interviewed Paul for being shortlisted as one of the UK’s Top Recommended Property Financing firms in the Property Special Issue.

In the piece, Paul talks alongside other figures within the alternative lending community about the challenges faced by operators within the industry, and touches upon how the company has expanded in order to facilitate clients’ unique demands, both at home and abroad.

London has more property renters than owners

April, 04th 2016

Private renters outnumber homeowners for the first time in a decade

Data gathered from the Government’s English Housing Survey shows that private renters are now outnumbering homeowners for the first time in over a decade. In 2003/04 there were 1 million people living in mortgaged homes in the capital. This has dropped 17% down to 883,000, according to the data which was collected in 2014/15. In terms of renting, a decade ago there were 405,000 households in private rented accommodation, whereas this figure has now more than doubled and stands at 898,000.

eCommerce boosts industrial property prices

April, 01st 2016

With Internet sales reaching record levels across Europe, retailers are having to rejig their logistical strategies to accommodate growth.

Top five property selling myths

March, 24th 2016

Have you over-valued your home? Myths that cause homeowners to miscalculate their worth

Do we still need estate agents?

March, 22nd 2016

Are estate agents still necessary?

Estate agents have been a part of the UK property market for as long as any of us can remember. Property has been changing hands for centuries, and for much of that time there has always been a broker there helping to bring both buyer and seller together. However, with the rapid rise of the Internet, there are now other ways round the problem of joining these two parties up. But does this necessarily mean that the end is nigh for estate agents up and down the country?


  • This Month's Top Fixed Rate

    Fixed rate
    Initial rate: 1.09%

    Period: 2 Year

    Rate will revert to the lender's standard variable rate currently 4.49%
    The overall cost for comparison is 3.99% APR


    More info
  • This Month's Top Variable Rate

    Variable rate
    Initial rate: 1.07%

    Period: 2 years

    Rate will revert to the lender's standard variable rate currently 5.34%
    The overall cost for comparison is 4.71%


    More info

    Get This Rate

Some of this month's top interest rates are listed above; the actual rate will depend on your circumstances. Please note that this information does not contain all the details you need to choose a mortgage, ask one of our advisers for a personalised key facts illustration on 020 7519 4900. The rate displayed may become out of date at short notice.

Latest Articles/News

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Need a million pound mortgage? We have the banking contacts to provide a ta... READ MORE

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The number of property transactions has decreased over the last few months,...READ MORE

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With the help of Locate Guernsey, Paul Welch, Guernsey businessman, has ret...READ MORE

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London property market 'will resist price crash'

Financial Times ,March, 28th 2017READ MORE


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Changes in the exchange rate may increase the sterling equivalent of your debt is a trading name of Ltd, 12 Pepper Street, London, E14 9RP which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register No 302228 which can be viewed here: The Financial Conduct Authority does not regulate some aspects of buy to let mortgages, overseas mortgages and tax advice. Help and advice in regards to mortgages is available at Limited is registered with the Guernsey Financial Services Commission, reference number: 2269418, as a Non-Regulated Financial Services Business.

A typical fee of 1.17% of the mortgage amount is payable. Of this, 20% is payable on application and the balance of 80% on completion. For example on a mortgage application of £300,000 the fee would be £3,510 in total. Of this, £702 (20%) would be payable on application and the balance of £2,808 (80%) on completion. The total fee is non refundable. We may also be paid commission from the lender. The guidance and/or advice contained within the website is subject to the UK regulatory regime and is therefore primarily targeted at customers in the UK. Calls may be recorded for training and monitoring.
You may have to pay an early repayment charge to your existing lender if you remortgage. Ltd Registered in England and Wales No: 5070990 Registered Address: Bridge House, London Bridge, London, SE1 9QR. 2005-2017. All rights reserved.