Bank of Mum and Dad is top 10 UK lender

August, 11th 2017

The Bank of Mum and Dad has become the equivalent of the ninth-biggest mortgage lender in the UK in 2017, up from 10th place last year1. This comes as we discover that 46% of parents and grandparents have given financial support to their sons and daughters2.  As a result; new mortgage products have gone on the market, that further enable older generations to help the first time buyers in their family.

Property Equity

Bridging for commercial borrowers – what, why and who?

July, 19th 2017

Bridging finance is a constant hot topic; the sector has demonstrated resilience and continued to grow in recent years, with confidence of further growth in 20171. This is a great time to be considering commercial bridging financing. Brokers are receiving many new and additional commercial funding to support clients with their business purchases.

Mezzanine Finance – Top up your Development Finance

July, 14th 2017

1. What is it?

Mezzanine project finance could give you that final tranche of funding required to fill the gaps in any construction or development costs for residential, commercial or mixed-use projects.

Charles Ayton, Senior Commercial Manager at, comments that:

High street banks take on the private lenders in the large loans sector

July, 06th 2017

High street banks take on the private lenders in the large loans sector

Traditionally, as a borrower looking to take out a mortgage above £1 million, a private bank or boutique lender may have been able to meet your needs best. However, you may find that some high street lenders could now offer you an alternative range of products.

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.


  • This Month's Top Fixed Rate

    Fixed rate
    Initial rate: 1.03%

    Period: 2 Year

    Rate will revert to the lender's standard variable rate currently 3.74%
    The overall cost for comparison is 3.34% APR


    More info
  • This Month's Top Variable Rate

    Variable rate
    Initial rate: 1.39%

    Period: Flexx for Term

    The overall cost for comparison is 1.43%


    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.

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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.
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