Tax Calculations: What are they & why do we need them?
Understanding income can be complex if you are self-employed. In this blog, we talk you through what lenders expect in regards proving income – and...Read More
Doubling Ground Rent: Unpacking the problem for lenders
In the last decade, it’s become very apparent that many developers have been creating properties with ground rents that are more oppressive than were typical...Read More
Mortgage Tip #1: Be Smart, Check Your Credit Score
Tip #1: Download your credit score before making an application for a mortgage Many consumers assume that, since they have had credit in the past without...Read More
The Business of Buy-to-Let: Why it’s high time to take BTL more seriously
Buy-to-let is a serious business, and it needs to be treated like one. That’s a contentious statement I know, but it needs to be said....Read More
Q&A – June Edition: Remortgaging Cash Purchases and the 6 month rule
You asked and AALTO answered. This time, we’re looking into two different queries pondering the remortgage of cash buys and how the 6 month rule works....Read More
Help-to-Buy: A helping hand or hindrance?
As the five-year anniversary of the help-to-buy scheme rolls around, I want to explore the repercussions of these deals, and if they are still a...Read More
Concessionary Purchase Update
One of our most popular blog posts in the past has been in relation to concessionary purchase. This is where a relative can gift equity...Read More
Helping you Beat the 6-Month Rule
Before the 6-month rule, when the property market was booming in the 90s and early 2000s, there was a trend for investors of buy-to-lets to...Read More
Things to Consider Before Seeing a Broker
So you’ve been saving obsessively for the past year and a half, or perhaps have just had a windfall, and now is the time to...Read More
A Day in the Life of a Mortgage Broker
Before the credit crunch, there was a relatively even split between the numbers of customers that sourced a mortgage via a broker and those that...Read More
Mortgage Down Valuations
A mortgage down valuation can be a frustrating element of any mortgage purchase or remortgage. Ultimately, the value of a property is the amount someone...Read More
The Trouble With London Rent to Mortgage Calculations
Anyone who has ever looked to invest in property in the capital has run into the problem of London rent to mortgage calculations. The soaring...Read More
Contractor Mortgages: A Tricky Business
Working as a contractor can be extremely lucrative but it can make acquiring a mortgage difficult.
GetAgent, An Estate Agent Comparison Site
I’m not one to disguise my distaste for the high street estate agency business. Having worked within it in the past, I have seen the...Read More
Why Do We Still Rely So Heavily on Estate Agents?
Most of my clients are cautious and considered when it comes to money. Many are buying a property with the aim of bettering their overall...Read More
Why the New Stamp Duty Rules Are Great For Borrowers
On Thursday 4th December, the new Stamp Duty rules were announced and there has already been a lot said on the topic. Some have chosen...Read More