Niche Advice Rate Tracker Index (NARTI) Rather than provide rafts of meaningless information NARTI focuses in on the key areas of: First time buyer 5 year fix with 15% depositFirst time buyer 5 year fix with 10% depositBuy-to-let 5 year fix … [Read more...]
Mortgage and product news, best buys and tips
Change the mortgage offer after its been issued by the lender
Amend the Mortgage Offer - Extension Affordabilty New Criteria … [Read more...]
Mortgage for Foreign Students on a Tier 4 Visa
Mortgage options for Students on a Tier 4 Visa in the UK This article is aimed at foreign students on a Tier 4 Visa who are in the UK who are looking to buy a property to live in financed by a mortgage. These must be exciting times for you … [Read more...]
Declined Buy to let mortgage due to background property portfolio stress test
The background property portfolio stress test is stopping borrowing more There could be a variety of reasons why you've been turned down for a mortgage when you have a property portfolio as there are so many boxes you have to tick but there is … [Read more...]
Up to 10 times Income Multiple Remortgage
I never thought I'd be writing about 10 times income multiple for a mortgage.Looking back income multiples have come a long way to get to 10 times. Initially they were 2.75 to 3 times the Main earners income plus once times the Second applicant’s … [Read more...]
Time to Fix your Mortgage Express Rosinca Mortgages Buy-to-let Trackers:
It may be time to come off the Tracker rates of Mortgage Express Rosinca Mortgages Is now the right time to switch your buy-to-let mortgage from Mortgage Express (Rosinca Mortgages) variable Tracker to a Fixed Rate? Remortgage.Mortgage Trackers on … [Read more...]
Student Let Mortgage for Landlords
Student Let Mortgage products explained for new and existing Buy to Let landlords within the student accommodation sector. How we can help? Access to the Whole of Market Totally Independent from Estate Agents and DevelopersWe only charge a fee … [Read more...]
GOTO Group RICS Homebuyer & Building Survey
RICS Homebuyer Report & RICS Building Survey via GOTO Survey At Niche Advice we have partnered with GOTO Group to provide our clients with a range of professional services including Homebuyer & Building Surveys. The information … [Read more...]
How long should I take my mortgage over?
I need help deciding on my mortgage term length. The "mortgage term" is the common way for expressing the length of your mortgage. How long should I take my mortgage over is a question that should be asked and thought through by every Mortgage … [Read more...]
Using 100% of your Second Income for a Mortgage Application
What you need to know about Second jobs for Mortgages and how Mortgage lenders view Second Incomes. The employment world has changed considerably in the last decade with the emergence of the gig economy, home deliveries and the demise of the … [Read more...]
