Residential & Commercial

With the changes brought in by the Mortgage Market Review (MMR) in 2014, obtaining a residential mortgage could now for many be an arduous process, especially for those relying on income which is not from a single source or under PAYE.

Our in house qualified CeMAP broker is well versed in obtaining mortgage finance for company directors, sole traders and individuals with diverse income.

We work as a team when preparing your application, recalling the necessary documents from HMRC, preparing accounts and providing signed Accountants Certificates as required by most lenders.

With the introduction of changes under the Mortgage Credit Directive (MCD) due to come into force on 21 March 2016, even more mortgage products, such as second charge and buy-to-let will fall under the FCA mortgage regime, meaning even greater scrutiny will be placed on analysing affordability and verifying income and expenditure.

If you are looking for Mortgage Finance, call us for no obligation consultation, it’s free and it may make the difference between an approved and a declined lending decision.

In 2004, Tony Blair took out a 95% mortgage on a £3.65m townhouse in Connaught Square near Hyde Park. His annual income at the time was circa £120k.

Rob NeilBBC Money Programme May 2007
Daniel RuthvenMortgages