RCP Mortgages

RCP Mortgages Mortgages for Life's Goals. Our aim is to maximise your borrowing potential, minimise your monthly p

For this month's update, on top of the now normal dynamic of pricing resembling a rollercoaster, there are big topics ...
01/09/2026

For this month's update, on top of the now normal dynamic of pricing resembling a rollercoaster, there are big topics to get into such as – The Governments stance on Stamp Duty, the conveyancing industry going into meltdown, house prices falling (specifically London Flats being badly hit) and lenders upping their margin in Tracker products. So, for a deep diving into these topics, please read on:

News and views on the UK Mortgage and Property market

Very helpfully, the FCA formalized a definition of a borrower back in March 2016, as someone who earns over £300,000...
16/08/2026

Very helpfully, the FCA formalized a definition of a borrower back in March 2016, as someone who earns over £300,000 a year and/or has £3m in net assets. As this is now a clear distinction where different rules apply, I explore this area in greater detail in the latest of this series of mortgage fundamentals

How does a high net worth mortgage work?

Following our last post on , the logic next step is to look at Limited Company Buy To Let, as while it largely seems th...
07/08/2026

Following our last post on , the logic next step is to look at Limited Company Buy To Let, as while it largely seems the same as a regular Buy To Let there are some key technical differences that you should consider, which we have a detailed look at in the latest of our Fundamentals series

What is a Buy to Let for limited companies and how does it work?

With a very different take on recent events, and a look at the often overlooked forces shaping the market, this month's ...
01/08/2026

With a very different take on recent events, and a look at the often overlooked forces shaping the market, this month's update hopefully offers you real insight into what is driving pricing at present and how you can win in the current environment:

A look at the big new stories in the UK Mortgage Market

Landlords have taken a very unfair kicking in recent years in my opinion. The net result has been rents going up and ava...
24/07/2026

Landlords have taken a very unfair kicking in recent years in my opinion. The net result has been rents going up and availability of stock down. Therefore you could argue it is a very good time get into the market or expand your portfolio? If that is of interest to you, this article looks at the key criteria, principles and calculations you will need to consider in this ever more complex area

Landlords have taken a very unfair kicking in recent years in my opinion.

With so many more people going -employed, or having multiple streams of income, use of Limited Company’s are on the ris...
17/07/2026

With so many more people going -employed, or having multiple streams of income, use of Limited Company’s are on the rise as their main, or an additional source of income. Equally, structures are getting more complex as people look to mitigate tax and build wealth. In this post, we explore how Limited Company Directors can navigate this complex area of the market

With so many more people going self-employed, or having multiple streams of income, use of Limited Company’s are on the rise as their main, or an additional source of income.

It’s a fair question to ask in why anyone would want to use a ? But specifically in London? There are some quite unique...
12/07/2026

It’s a fair question to ask in why anyone would want to use a ? But specifically in London? There are some quite unique challenges to arranging in the London property market, so I aim to explain the benefits brokers bring and also highlight some issues you may not be aware of:

It’s a fair question to ask in why anyone would want to use a mortgage broker?

In a month defined by comings and goings, both politically and with lenders, it is all change again!I take a bit of walk...
01/07/2026

In a month defined by comings and goings, both politically and with lenders, it is all change again!
I take a bit of walk down memory lane as we lose a few lenders who have been around for literally hundreds of years and were a staple of the world. I also muse over what impact that may have on the market along with the recent political machinations.
So for that, and a lot more, I hope you enjoy this months Mortgage Market Update:

A look at the big new stories in the UK Mortgage Market

For any parent, when the numbers 6 and 7 are in close proximity you will no doubt groan, but thankfully this is nothing ...
27/06/2026

For any parent, when the numbers 6 and 7 are in close proximity you will no doubt groan, but thankfully this is nothing to do with annoying childish fads, this is very much the complex area of getting a large based on your income. So to learn more about how this works, please have a read of this article:

and no, its not the annoying kids 6-7 thing...

In the latest of our Mortgage Fundamentals series we look at the million pound (+) market. Things can get complicated ...
19/06/2026

In the latest of our Mortgage Fundamentals series we look at the million pound (+) market. Things can get complicated quickly so in this article we explore key themes and tips to help you navigate this sometimes complex area

As we have explored in previous posts, what may seem easy from a logical perspective, in this case – I earn a lot of money and/or have a lot of assets, surely I can arrange a large loan?

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