Mortgage Minds

12/03/2026

Mortgage Minds FCA No. 607634 is a trading style of Prestige Living LTD, which is an Appointed Representative of Julian Harris Adviser Network Limited (FCA No 304155), authorised and regulated by the Financial Conduct Authority

Think carefully before securing debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it. Please note that some mortgages, such as commercial BTLs are not regulated by the FCA.

18/08/2018

London is the Airbnb capital of the world

Average daily rates are $184.

16/08/2018

02/08/2018

The BoE is raising Bank rate to 0.75%, from 0.5%. That’s the highest level since March 2009, and only the second rise since the financial crisis struck a decade ago.

20/07/2018

31% of Property Transactions Fail

A third of all UK Property buyers experiance deals that collapse after having an offer accepted, with over £10billion lost in fees since 2008.

Source: TheNegotiator July 2018 - 7

15/12/2017

Mortgage offer on a property purchase issued in just 3 days that includes a physical valuation.

Please note that nature of the individual case may be different and the lender’s timeframes can change.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

14/09/2017

Private landlords faced quite a few changes in the last 18 months. Extra 3pc stamp duty on the second house purchase to changes to mortgage interest relief. I’m afraid there is another change coming into effect from Oct-17 for the portfolio landlords.

Portfolio landlords could soon face an administrative nightmare to get a buy-to-let mortgage as new regulations are set to come into force.

The new buy-to-let rules from the Bank of England will apply from October 1 and will demand a tougher stance from lenders assessing landlords who own four or more buy-to-lets.

From this date, landlords applying for a buy-to-let mortgage will have to provide information to the lender on every single property in their portfolio - even if the mortgage application is for just one of them.

What are the new rules?
Why do we need them?
What do I need to do if I am a portfolio landlord?

You can find out the answers by clicking on the link below:

When you apply for a buy-to-let mortgage from October, if you are a portfolio landlord you'll need to provide financial information on every property in your portfolio to the lender.