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Sole trader for a number of years but has recently converted to a limited company

Mortgage Minds Mortgage Minds Most lenders will not lend you if you’ve recently converted to a LTD company and do not have at least 1 year trading accounts / SA302. But if you’ve accounts for at least one year trading as a sole trader and turned down for a mortgage just because you’ve recently converted […]

Filed Under: Case Studies, FAQ

Vendor hasn’t owned the property for a certain minimum period

Mortgage Minds Mortgage Minds This could be one of the unfortunate situations you can come across when buying a property because many lenders do not lend on a property if vender (person selling a property) does not own the property for a certain period for example six months. It will be worth asking your estate […]

Filed Under: FAQ

Struggling to get mortgage on a next door property

Mortgage Minds Mortgage Minds It’s surprising but correct that most lenders do not lend if you’re buying / remortgaging a property next door to a property that you already own. If you’re having a difficult time in this sort of situation to get a mortgage, we might be able to help you. Give us a […]

Filed Under: FAQ

Property purchased with bridging finance, and need a day one remortgage

Mortgage Minds Mortgage Minds Most lenders do not do remortgage on a property, which you bought cash or using bridging finance within the last six months (day 1 remortgage). If you’re struggling to do remortgage on your recent purchase, we can help. Give us a call on 02080909386 or email us using the comment box below. […]

Filed Under: FAQ

Getting a mortgage on a house that is split into 2 flats

Mortgage Minds Mortgage Minds Getting a mortgage on a house, which converted into two flats is not easy because most lenders tend to stay away in this sort of situation. There could be different scenarios such as: House is split into 2 flats and you need a mortgage on the whole property. House split into […]

Filed Under: FAQ

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Message Rana

  • THINK CAREFULLY BEFORE SECURING OTHER 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.

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    • Remortgage process: 10 Frequently asked remortgage questions answered
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    Address: 375A Hoe St, Walthamstow, London E17 9AP Call: 0208 0909 386

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    Mortgage Minds is a trading style of Prestige Living LTD company no. 08088176 who is an Appointed Representative of Julian Harris Mortgages LTD, authorised and regulated by the Financial Conduct Authority No. 304155. Prestige Living LTD trading as Mortgage Minds registered office: 375 A Hoe Street, Walthamstow, London E17 9AP The Financial Ombudsman Service (FOS) is an agency for arbitrating on unresolved complaints between regulated firms and their clients. Full details of the FOS can be found on its website at www.financial-ombudsman.org.uk

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