Education Hub

Strategic Mortgage Solutions for Complex Financial Needs Securing the right mortgage requires more than just meeting affordability criteria—it demands a strategy that aligns with your broader financial objectives. For individuals with non-traditional income structures, navigating lender requirements can be challenging, particularly when standard affordability models do not accurately reflect financial strength. At Henry Dannell, we […]

CASE STUDY Overview When planning a self-build project, clarity around financing options is crucial. Our client, a UK-based Head of AI at a leading tech firm, set out to demolish and rebuild his home using sustainable materials. He sought our assistance to help structure a mortgage facility that matched both the ambition and complexity of […]

The rising trend in borrower preferences seeking greater flexibility In recent years, tracker mortgages have been prevalent among borrowers seeking greater flexibility during uncertain economic times. A recent analysis by Quilter reveals a 67% increase in the uptake of these mortgage deals since 2021. This data, derived from a Freedom of Information request to the […]

Mortgages tailored for newcomers to the property market For many, stepping onto the property ladder is a thrilling venture filled with excitement and apprehension. Navigating this milestone can be daunting, but first-time buyers can proceed confidently with careful financial preparation. First-time buyer mortgages are tailored for newcomers to the housing market. Lenders often entice potential […]

Each lender has its own criteria and methods for evaluating your application The mortgage landscape can seem daunting, particularly when understanding the role of credit scores. Unlike what some may assume, there isn’t a singular credit score required for securing a mortgage. Instead, lenders assess your creditworthiness by calculating a score based on various factors, […]

Q1: Can I use my accounts before my tax returns are finalised? Yes. Some lenders rely on finalised tax calculations (SA302s), but others will accept finalised sole trader accounts from your accountant. This flexibility allows barristers to present a more accurate income picture and maximise borrowing potential. Q2: Can I secure a mortgage based on […]

For first-time buyers (FTBs), staying informed about upcoming changes in the property market is essential to avoid unexpected costs. With the March 31st stamp duty deadline fast approaching, now is the time to understand what’s changing and how it may impact your home purchase. What’s Changing? Since September 2022, first-time buyers have benefited from a […]

What to consider when leaving the property vacant for an extended period Void periods are an inevitable part of being a landlord, with most encountering a vacant rental property at some point. A property without tenants poses significant risks, as no one can promptly handle daily maintenance or report issues. Therefore, safeguarding your empty property […]

A new source of income and providing travellers with an affordable and comfortable alternative As a landlord, you may contemplate short-letting your property for various reasons. You may want to generate additional income, or you may need to move temporarily due to work or personal matters. The term might seem self-explanatory, but short-term lets usually […]