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The Money Hub Mortgage brokers specialising in a range of products such as Mortgages & Secured Loans.

02/11/2026

Sometimes I have to tell a client the numbers do not work. Nobody wants to hear it, but it is a much better conversation to have before you buy than after.

If the purchase price and the costs leave no room for profit, or the rent will not support the refinance, a lender is going to spot it too. It is far better to find that out on paper.

Before you commit to your next deal, send it over and I will give you an honest view on it.

YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

31/10/2026

A lot of homeowners do not realise the land sitting at the side of their house could be used to raise development finance.

If you own the land and it has, or could have, planning permission for a new build, you may be able to borrow against it as security to fund the development itself.

The lender will look at the land value, the planning situation, and the gross development value (GDV) of the completed property. With planning in place, the loan to value (LTV) available on land increases significantly compared to land without permission.

Depending on the numbers, you could potentially fund a new build with little or no additional cash outlay.

Book in a call and I will give you an honest view of what is possible.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

30/10/2026

Most buy to let mortgages are assessed on rental income alone. The rental income needs to cover the mortgage payment by a set percentage, typically 125% or 145% depending on the lender and the borrower’s tax position.

But what happens when the rental income on a property does not quite meet that test?

Some lenders will consider your personal income alongside the rental income to bridge the gap. This is called top-slicing.

It is particularly useful for landlords buying in lower-yield areas, those purchasing higher-value properties, or investors whose rental income falls slightly short of the required Interest Cover Ratio (ICR). Not every lender offers it, which is why it is important to work with a broker who knows which ones do.

Reach out and I will check whether top-slicing is an option on your deal.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

29/10/2026

Bridging loans get used in more situations than most people realise. Here are three of the most common scenarios we help with.

If you have a deal that does not fit the standard mortgage market, drop me a DM and I will tell you whether a bridging loan is the right solution.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

28/10/2026

A Multi-Unit Freehold Block (MUFB) mortgage is a specialist product for investors who want to buy a block of flats as a single freehold asset, rather than buying individual leasehold units one by one.

Not all buy to let lenders will consider a MUFB, which is why working with a broker who has access to the right part of the market makes a real difference.

If you are looking at a block purchase, drop me a DM before you proceed.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

27/10/2026

One of the costs most people do not think about when taking out a bridging loan is the minimum interest period.

Some lenders charge interest for a minimum number of months regardless of when you repay. So if you plan to repay in month two but the lender has a three-month minimum, you are paying for three months whether you use them or not.

On a short deal this makes a meaningful difference to your total cost. A loan at a lower rate but with a three-month minimum can end up costing more than a loan at a slightly higher rate with a one-month minimum.

When I put together options for a client, I always include the minimum interest period in the full cost calculation.

Get in touch and I will put together a full cost breakdown on the deal you are considering.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

26/10/2026

A lot of people ask what to expect when they get in touch. So here is exactly what happens.

I will ask you about the property, the deal, what you are trying to achieve, and your timeline. I will also ask about your exit strategy, because that is the first thing any lender will want to understand.

The call usually takes around 20 to 30 minutes. By the end of it, I will have a clear picture of whether I can help and what products are likely to work for your situation.

There is no obligation and no pressure. It is just a conversation. If I can help, I will tell you. If I cannot, I will tell you that too.

Book in a call and let us see what is possible.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

25/10/2026

This is a misconception I come across regularly.

If you are using a limited company or Special Purpose Vehicle (SPV) to buy a residential investment property, many lenders do not require two or three years of company accounts. Some will lend to a newly incorporated company.

What they focus on instead is the deal itself, the rental income, the loan to value (LTV), and the experience and financial standing of the directors.

This matters because a lot of investors hold off on moving into a limited company structure assuming they cannot get a mortgage without a trading history. In many cases, they can.

Book in a call and we will talk through what is possible for your situation.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

24/10/2026

Finding a property below market value (BMV) is one of the best ways to manufacture equity in a deal. But financing it correctly is where most people get stuck.

Here is the good news: some bridging lenders will lend against the open market value rather than the purchase price, even on a below market value purchase. This means you could potentially borrow more than you are paying, reducing the cash you need to put in.

Drop me a DM with the details and I will tell you whether this is achievable on your deal.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

23/10/2026

To get to 95% LTV on a bridging loan, you typically need additional security, a very strong exit strategy, and a clean application. The lender is taking on more risk, and they will want the rest of the deal to be as straightforward as possible.

This is not a product you will find by going direct to a lender. It requires a broker with the right relationships.

Drop me a message and I will let you know whether this is achievable on your deal.



YOUR CAPITAL IS AT RISK IF YOU DO NOT KEEP TO THE TERMS OF YOUR AGREEMENT. THE MONEY HUB ARE A LICENSED CREDIT BROKER AND NOT A LENDER.

Address

Suite 7, Hadleigh Business Centre, 351 London Road
Hadleigh
SS72BT

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Monday 9am - 6:30pm
Tuesday 9am - 6:30pm
Wednesday 9am - 6:30pm
Thursday 9am - 6:30pm
Friday 9am - 5pm

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+442037255830

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