How can I get a mortgage as a contractor?

November, 27th 2017

How to get a mortgage as a contrctor

The UK mortgage market is expanding it’s offering for contract workers, making it potentially easier for those in the demographic to get property finance. Here, we look at the definition of a contract worker, income assessment, how much contractors can borrow and what specialist advice is available.

How to get a UK mortgage as a Foreign National from the Middle East

November, 23rd 2017

The UK mortgage market is open to property investors of any nationality. In recent years, opportunities for the Middle Eastern demographic in the UK mortgage market have been boosted. This falls in line with an increase in Middle Eastern dollar-dominated investors, as London property becomes even more attractive.

Is student accommodation your next lucrative commercial investment?

October, 30th 2017

Greater demand for student housing in the UK is fuelling growth in the commercial Buy to Let mortgage market.1 In this blog, we will discuss increasing demand for student accommodation. We will also look at some things to consider before arranging a commercial mortgage to purchase or convert a property for students, and the ‘Buy for Uni’ mortgage product now on the market.

Increasing demand

Are offset mortgages set to rise with an increase in self-employment?

October, 10th 2017

Since 2015, the number of self-employed workers in the UK has risen to almost five million.1 This change in workforce demographics has no doubt altered demand in the mortgage market.

How to get a large mortgage loan as a portfolio landlord

October, 05th 2017

Changes to buy to let mortgage and remortgage lending regulations which came into effect on 30th September 2017 are set to revolutionise property investment forever for portfolio landlords. But what are the key changes and how can UK buy to let portfolio landlords navigate the new landscape? CEO Paul Welch takes us through the buy to let mortgage criteria changes and explains how they will impact property investors.

The number of landlords with ten or more properties increases by a third

September, 26th 2017

The number of portfolio landlords in the UK is on the rise. While the number of individual landlords has dropped since 2015, the number of rented homes has increased to 5.1 million from 4.9 million.1 The figures suggest that each Buy to Let investor is building up their property portfolio or deciding to leave the market altogether. More specifically, the number of landlords with ten or more properties has increased by a third from 2015 to date.1

The UK sees an increase in expat Buy to Let investors

September, 08th 2017

The falling pound has opened up opportunities to expats who are looking to invest in the Buy to Let market. We discuss the current state of play here.

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:


  • This Month's Top Fixed Rate

    Fixed rate
    Initial rate: 1.20%

    Period: 2 Year

    Rate will revert to the lender's standard variable rate currently 4.90%
    The overall cost for comparison is 4.31%


    More info
  • This Month's Top Variable Rate

    Variable rate
    Initial rate: 1.22%*

    Period: 2 Years

    Rate will revert to the lender's standard variable rate currently 4.75% thereafter
    The overall cost for comparison is 4.20%


    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

Case Studies

Need a large residential mortgage? We have the banking contacts to provide... READ MORE

latest/related news

With 2017 coming to an end and the festive season in full swing, now is a g...READ MORE

press release

Appointment of former Alexander Hall Technical Director will drive the next...READ MORE

press coverage

Pam, 73, manages to ger mortgage with new lender

Guernsey Press ,December, 18th 2017READ MORE


Download our brochure to find out more about and what we can offer

Click to Download

Rate Alert

Client Testimonials

"Excellent service. Very pro active with no time wasted. Overall very good!...


"Superb service. I would definitely use again."


"Professional service and good communication."


"I am very pleased with the service. My Mortgage Administrator was excellent....


  • Facebook
  • Twitter
  • Linkedin

London Office

Tel: 020 7519 4900
Fax: 020 7519 4910

Guernsey Office

Tel: 01481 234527
Fax: 020 7519 4910

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.