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Many mortgage contracts allow for mortgage porting: the ability to transfer your mortgage to a new property should you decide to move in the future. But you'd be mistaken for thinking that being able to port your mortgage is a given, as there are some real risks that mean it may not be possible
The Home Report differentiates Scotland from other countries of the UK, giving prospective buyers the upfront details of a property, to make an informed buying decision. This is a good thing, but buyers must pay attention to a fundamental detail - the home report value, and the implications of offering a price above it
The property market functions differently in Scotland, and too often we meet clients who have been struggling to decipher its nuances. In this guide I list the key facts and steps you need to keep in mind when embarking on your home buying journey
The World has moved on from the days of old, where the words "self-employed" and "mortgage" were treated like custard with ice cream - they don't go together. The employment landscape is changing, and lenders are adapting to this societal change. This is my guide for the self-employed sole trader looking for a mortgage
As an Edinburgh-based mortgage broker we expect to deal with clients employed on fixed term contracts, particularly in finance and university research. Here's my view on the mortgage market for those employed on fixed term contracts
John has built a successful business over the past 4 years. With no debts and a 20% deposit he thought lenders would consider him an attractive proposition, only to find his search a frustrating, inconvenient distraction from both daily life and business operations. We tell John's story, and how we eased the burden
The launch of Retirement Interest Only, or "RIO" mortgages has been in the media spotlight in recent weeks, and already we are receiving enquiries from prospective applicants from Edinburgh and beyond. So what is a RIO mortgage, and what is all the excitement about?
Check out Sarah Beeny's tips on what to look for when viewing a property. This is short, concise clip that is well worth taking on board if you're currently looking to buy a property
Edinburgh is a city known for its flats, with both traditional tenements and newer developments forming part of the city landscape. What Nicola wasn’t aware of when she came to remortgage her own property, was that not all lenders would be willing to offer a mortgage on a flat above shops
1st What it means to pay over home report value
2nd Stressed Interest Cover Ratio - a boring guide for BTL landlords
3rd A mortgage guide for the self-employed sole trader
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances. This fee is typically £295. Experts 4 Mortgages is a trading style of Daniel McLardy, who is an Appointed Representative of Stonebridge Mortgage Solutions Ltd which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 814866
PLEASE OBSERVE THE FOLLOWING RISK WARNINGS
MORTGAGES: Your home may be repossessed if you do not keep up repayments on your mortgage
EQUITY RELEASE: A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home. Equity release is not right for everyone and may reduce the value of your estate. Equity Release is by referral only
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