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Asset Harbour Mortgages & Protection Ltd

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Asset Harbour Mortgages & Protection Ltd

Asset Harbour Mortgages & Protection Ltd are registered in England and Wales with company number 11945863.

At Asset Harbour we are committed to providing our clients with the most suitable advice, to safeguard their assets and protect their wealth for the future and for their family. Asset Harbour Mortgages & Protection Ltd trading as Asset Harbour Mortgages & protection are an Appointed Representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority. Regis

tered Office: Unit 9 Abbey Business Park, Monks Walk, Farnham, England, GU9 8HT

There may be a fee for mortgage advice. The precise amount will depend on your circumstances and will be agreed with you before proceeding but estimate this to be £549

The guidance and/or information contained within this page is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. The Financial Conduct Authority does not regulate some forms of Buy to Lets. Think carefully before securing any other debts against your home/property. Your home/property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.

06/08/2026

𝗛𝗼𝘄 𝗱𝗼 𝗜 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘁𝗼 𝗿𝗲𝗹𝗲𝗮𝘀𝗲 𝗲𝗾𝘂𝗶𝘁𝘆 𝗶𝗻 𝗺𝘆 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆?

It comes down to your circumstances and what's cost effective for you. Your advisor will let you know. You can remortgage to a new lender, moving your mortgage and borrowing additional monies on top, or, you could look at staying with your current lender.

30/07/2026

𝗪𝗵𝗮𝘁 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗽𝗿𝗼𝘀 𝗮𝗻𝗱 𝗰𝗼𝗻𝘀 𝗼𝗳 𝗯𝘂𝘆𝗶𝗻𝗴 𝗮 𝗵𝗼𝘂𝘀𝗲 𝘄𝗶𝘁𝗵 𝗮 𝗳𝗹𝗮𝘁 𝗿𝗼𝗼𝗳?

A house with a flat roof both has both advantages and disadvantages. Advantages include cost, as flat roofs are less expensive to install than pitched roofs.

The disadvantages can include drainage, as flat roofs can puddle and leak if drainage is poor.

23/07/2026

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗻 𝗻𝗼𝗻-𝘀𝘁𝗮𝗻𝗱𝗮𝗿𝗱 𝗰𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻 𝗶𝗳 𝗶𝘁 𝗶𝘀 𝘀𝗶𝗻𝗴𝗹𝗲 𝘀𝗸𝗶𝗻 𝗰𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻?

Yes, but every lender is slightly different. Some might be a bit more lenient in the rates and products you have access to.

You can get mortgages on these properties. I would encourage people not to be put off if they find out a property they like is non-standard construction. Just speak to a mortgage advisor and check it over, rather than assuming it can’t be can’t be mortgaged.

16/07/2026

𝗖𝗮𝗻 𝘆𝗼𝘂 𝗴𝗲𝘁 𝗮 𝗕𝘂𝘆 𝘁𝗼 𝗟𝗲𝘁 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗼𝗻 𝗮 𝗳𝗹𝗮𝘁 𝗿𝗼𝗼𝗳 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆?

Yes, you can get a Buy to Let mortgage on a flat roof property, but again it can be more difficult than getting a mortgage for a standard property.

11/07/2026

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09/07/2026

𝗪𝗵𝗮𝘁 𝗶𝘀 𝘀𝗶𝗻𝗴𝗹𝗲 𝘀𝗸𝗶𝗻 𝗰𝗼𝗻𝘀𝘁𝗿𝘂𝗰𝘁𝗶𝗼𝗻, 𝗳𝗼𝗿 𝘁𝗵𝗼𝘀𝗲 𝘁𝗵𝗮𝘁 𝗮𝗿𝗲 𝗻𝗼𝘁 𝗮𝘄𝗮𝗿𝗲?

Single skin construction refers to a building that’s made with a single layer of material, with no additional insulation. This is different to the modern standard, which is for buildings to have cavity wall insulation where there are two layers of brick and a gap in between. It’s a form of non-standard construction.

02/07/2026

𝗪𝗵𝗮𝘁 𝗶𝘀 𝗮 𝗳𝗹𝗮𝘁 𝗿𝗼𝗼𝗳 𝗽𝗿𝗼𝗽𝗲𝗿𝘁𝘆?

A flat roof property is a building with a roof that is level or has a pitch of less than 10 degrees. Flat roofs are a popular choice for a variety of buildings, including residential properties, commercial buildings and extensions.

25/06/2026

𝗗𝗼 𝗜 𝗽𝗮𝘆 𝘀𝘁𝗮𝗺𝗽 𝗱𝘂𝘁𝘆 𝗶𝗳 𝗜 𝗯𝘂𝘆 𝗼𝘂𝘁 𝗺𝘆 𝗽𝗮𝗿𝘁𝗻𝗲𝗿?

Whether you pay stamp duty will depend on your personal circumstances and how the split of the property is done. Unfortunately, I’m not a personal tax advisor. The best thing to do is seek tax advice on your circumstances.

18/06/2026

𝗪𝗵𝗮𝘁 𝗮𝗿𝗲 𝘁𝗵𝗲 𝗲𝗹𝗶𝗴𝗶𝗯𝗶𝗹𝗶𝘁𝘆 𝗰𝗿𝗶𝘁𝗲𝗿𝗶𝗮 𝗳𝗼𝗿 𝗼𝗯𝘁𝗮𝗶𝗻𝗶𝗻𝗴 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝗮𝘀 𝗮𝗻 𝗼𝗹𝗱𝗲𝗿 𝗯𝗼𝗿𝗿𝗼𝘄𝗲𝗿?

Eligibility as an older borrower depends on you demonstrating a reliable income to cover the repayments. You may need a strong credit history and to meet the lender’s specific age limits.

Lenders will assess your affordability based on your pension income or money from investments. They will also look at whether the mortgage term will end before the lender’s age limit is reached.

11/06/2026

𝗛𝗼𝘄 𝗱𝗼 𝗜 𝗴𝗲𝘁 𝗮 𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗼𝘂𝘁 𝗮 𝗽𝗮𝗿𝘁𝗻𝗲𝗿? 𝗖𝗮𝗻 𝗜 𝗿𝗲𝗺𝗼𝗿𝘁𝗴𝗮𝗴𝗲 𝘁𝗼 𝗯𝘂𝘆 𝗺𝘆 𝗽𝗮𝗿𝘁𝗻𝗲𝗿 𝗼𝘂𝘁?

It’s not the easiest of topics to discuss, but nonetheless it’s very important. And yes, you can remortgage to buy a partner out.

I would always advise speaking to a mortgage advisor first to get the correct advice. Advice will always differ from person to person, based on their circumstances.

Address

Unit 9 Abbey Business Park, Monks Walk
Farnham
GU98HT

Opening Hours

Monday	9am - 5pm
Tuesday	9am - 5pm
Wednesday	9am - 5pm
Thursday	9am - 5pm
Friday	9am - 4pm

Telephone

+441276986333

Website

https://assetharbour.com/

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