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Do you need a foreign national mortgage?

Written by Sam Jones on Tuesday, 25 September 2012 14:45.

If you are from abroad and buying in the UK and require a mortgage, then how much you can borrow will depend on your individual circumstances. The factors involved are much the same as those that apply when a UK national goes for a mortgage, but with added complications. There will be a few more things to take into consideration.

The main extra questions to ask here are - do you have a visa to work in the uk, what type of visa and what rights it gives you and how long is left until it expires?

Insurance Fraud Register Launched

Written by Sam Jones on Monday, 24 September 2012 19:58.

The Association of British Insurers (ABI) has revealed an extra £50 a year is added to the annual insurance bill, for every UK policyholder as a consequence of fraudulent claims. The premium is attached to policies for freehold buildings insurance and all other types of policy.

Lettings Market Strengthens

Written by Sam Jones on Monday, 24 September 2012 19:05.

Landlords with buy to let mortgages saw rents rise for a fifth consecutive month as tenant arrears fell for the first time in three months.

Holiday Let Mortgages – The Potential Tax Advantages?

Written by Sam Jones on Sunday, 23 September 2012 17:54.

The purchase of a holiday let home through holiday let mortgages can potentially provide a significant amount of potential tax advantages. In order to claim available reliefs it is important for any potential purchaser to distinguish between, whether the holiday let purchase is part of a general investment portfolio or whether it is purchased with the view to trading in the holiday let business.

Commercial Buildings Insurance – Cost Versus Cover?

Written by Sam Jones on Sunday, 23 September 2012 12:30.

In the middle of a credit crunch, the majority of UK businesses are rightly looking to cut costs. Negotiations regularly take place with telephony suppliers, printers, IT support, accountants, product providers, the list can go on. It is no wonder that within this list, the insurance supplier, particularly with commercial buildings insurance is asked to re-look at the initial cost agreed and provide further competitive quotations.

House sales in Scotland up 21 per cent in July

Written by Sam Jones on Saturday, 22 September 2012 00:53.

House sales in Scotland increased by 21 per cent between June and July, boosted by increased lending to new buyers. The latest House Price Index from LSL/Acadametrics Scotland indicates that increased activity from new buyers including those looking for a mortgage for a second home has helped to keep house prices broadly flat.

Lenders relax criteria with 95% mortgages blooming

Written by Sam Jones on Thursday, 20 September 2012 17:49.

Moneyfacts is reporting a boost in high LTV loans with five in the 95 percent mortgages LTV tier, all of which were fixed rate products.

Barrister Mortgages – Reliant on Income They Can’t Enforce?

Written by Sam Jones on Wednesday, 19 September 2012 11:30.

Barrister mortgages are no longer a specific mortgage product but are a generic term used for standard mainstream mortgages offered by a number of lenders.

The Impact of credit reporting on ex-pat mortgages

Written by Sam Jones on Wednesday, 19 September 2012 10:38.

Whether you have relocated to Australia or Africa with the whole family and are now outside the UK, it is likely that you will need an ex-pat mortgage.

Difficulties of getting mortgages for over 70s

Written by Sam Jones on Tuesday, 18 September 2012 19:35.

Due to the current financial climate lenders have been tightening up on lending criteria and maximum age is no exception. The first frustration of individuals looking to obtain mortgages for over 70s are that the majority of high street lenders will simply not consider lending to those in that age bracket.