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Santander have today launched what we believe is the UK’s lowest ever 10 year fixed mortgage rate at 3.94%. The max LTV available is 60% and there is an arrangement fee of £995 but home buyers can also get £250 … Continue reading
A crowd fund lender has a new hybrid product. Welcome the peer-to-peer buy-to-let mortgage. Dare to call it the P2PBTL? Actually, it is called “Lend-to-Let” and was specifically designed to help foreign borrowers secure mortgages for UK properties more … Continue reading
Equity release is like selling your house or other object of value and getting a lump sum for this or steady monthly payments, but still maintaining use of the property or object in mention. This form of financing is most … Continue reading
Good news for first-time home buyers, 100% mortgage is now available from Bath Building Society. So, no down payment is needed? Correct. How about collateral and what can I use for it? Well, your parent’s house will definitely do. … Continue reading
The Bank of Ireland is invoking its right to increase the interest rate differential of some of its UK base rate tracker mortgages due to a ‘special condition’ clause included in its contracts. The increase will see most customers’ monthly … Continue reading
Debt securitisation is used by many financial service providers to offset the risk involved with large-scale lending. For example, debt securitisation could involve a mortgage lender selling on a pool of mortgage contracts (known as the security) to financial investors … Continue reading
Expats planning a return to the UK could face difficulties obtaining a mortgage following a decision by Lloyds International to pull the plug on their expat mortgage products. Lloyds International has quit the market, citing the division’s low contribution to their overall commercial … Continue reading
The Government’s oft-maligned Funding for Lending scheme is proving its detractors wrong as more and more institutions sign up to take part. From just 17 institutions involved at the end of September there are now 30 with more on the … Continue reading
Mortgage lending in the UK has been challenging to achieve over the last few years and this has resulted in both a decline in demand for property and an increased number of people renting instead of buying. The impact of … Continue reading
In the run up to the deadline of the Retail Distribution Review (RDR), Independent Financial Advisors (IFAs) are in the midst of assessing the impact of new regulations and how it will affect the future of the advice they give. From … Continue reading
Choice Loans is a broker, not a Lender. We will connect you with a Lender suitable for your needs or, if appropriate, a specialist Broker. We do not charge you an upfront fee but if your application is successful a Broker commission may be charged.
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