A limited company mortgage is used when a property is bought and owned by a company rather than personally. This is common for landlords building portfolios and can be part of wider tax and business planning—though tax advice is separate and should be taken from a qualified professional.
Company lending can involve extra checks (company structure, directors, property type, and rental calculations), and the product range differs from personal buy-to-let. We’ll explain what lenders typically want, how SPV structures are viewed, and which lenders are active in this space—so you can decide whether company ownership fits your long-term strategy and how to finance it smoothly.
Let-to-buy is where you refinance your current home based on its expected rental income, while also arranging a new residential mortgage to buy your next home. Because it involves two linked applications, it can feel complex.
Buy-to-let borrowing is often interest-only and can come with higher rates than residential deals, plus you’re taking on the realities of becoming a landlord. The right advice helps you structure both mortgages sensibly and avoid costly surprises.
A tracker mortgage is a type of variable rate that “tracks” an external benchmark—most commonly the Bank of England base rate—usually by a set margin. If the base rate changes, your mortgage rate (and monthly payment) can change too. Trackers can work well for people who want a rate that’s transparently linked to a known benchmark, but the big downside is uncertainty: payments can rise, and you need breathing room in your budget. Some tracker deals also include early repayment charges, so it’s not always as flexible as people assume.
We’ll show you what your payments could look like in different rate scenarios, and help you decide whether a tracker’s risk/benefit balance suits you.
A cashback mortgage gives you a cash sum (or incentive) from the lender—either at completion or later. Many people use this to help cover buying costs like legal fees, surveys, stamp duty, moving, or home improvements.
Cashback can be a percentage of the mortgage or a fixed amount, and some lenders require you to hold (or open) a current account with them. These deals are often linked to SVR or tracker products, and you may have to repay some/all cashback if you redeem the mortgage early.
A second charge mortgage (sometimes called a second mortgage) is an additional loan secured on your home, separate from your main mortgage. It sits behind the first mortgage in priority, which is why it’s called “second charge.” People typically use second charge borrowing to raise funds without remortgaging their first mortgage—useful if your existing deal has a strong rate or heavy early repayment charges. Because it’s secured on your property, it can offer different pricing than unsecured loans, but it also increases risk: if you can’t keep up with repayments, your home could be at risk.
Second charge lending secured on a borrower’s home falls within FCA mortgage regulation. We’ll explain how it works, what lenders look for, and whether it’s the right route compared with remortgaging or other finance options.
Bad credit doesn’t always mean “no”—some lenders will consider your overall situation, not just your score. The key is being open and accurate on your application, then presenting the strongest case possible.
To improve your chances, it can help to allow time since any negative events, apply with stable income and a larger deposit, and take steps to improve your credit profile and reduce existing debts. We can also help you identify lenders with experience supporting borrowers who’ve had past credit issues.
Buying a second home—whether it’s a holiday place, a home for family, or part of your future plans—usually means proving you can comfortably manage the new mortgage as well as your existing commitments. Lenders will look at your current mortgage payments, regular bills, and the running costs of the additional property. You’ll also need a deposit, and there may be extra costs such as higher stamp duty rates and additional legal/valuation fees.
Requirements vary by lender, but second homes often involve stricter affordability checks and potentially lower maximum LTVs than a first residential purchase. We’ll talk through your goals, run affordability scenarios, and help you choose the right structure—so the second property enhances your lifestyle (or plan) without stretching your finances.
High-value mortgages often need a more tailored approach, and mainstream lenders may not always be the best fit for complex underwriting. One common challenge is lender limits on maximum loan-to-value (LTV) for premium properties.
For borrowing over £1m, it can be crucial to work with a broker who understands how specialist lenders assess these cases and how to structure borrowing efficiently. In some situations, assets such as pensions or stock portfolios may be used to support negotiations and achieve more suitable lending terms.
An offset mortgage links your mortgage to your savings with the same provider. Instead of earning interest on those savings, you “offset” them against your mortgage balance, paying interest on a lower amount.
That can help you reduce monthly payments or shorten the term. For example, if you have a £200,000 mortgage and offset £20,000 savings, you pay interest on £180,000. Because mortgage rates are often higher than savings rates, offsetting can be an effective way to improve the overall numbers—while keeping savings accessible.
A Retirement Interest Only (RIO) mortgage lets you refinance and keep paying interest only for the lifetime of the loan, with no fixed end date. The loan is repaid when the borrower moves into care or passes away.
This product was introduced to help people whose interest-only mortgage term has ended but who don’t have the capital to repay the original loan—provided staying in the home is affordable. It can appeal to those who don’t want equity release, where interest can roll up over time.
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