Property research desk

Market notes, data checks & field commentary

Some notes on housing-market research, methodology updates, and source notes, built to show how the signals are interpreted and where the numbers come from. Best case, you find it interesting, worst, you killed some time whilst the kettle boils.

Guides

March 30, 2022

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Lifetime Mortgage Guide

Lifetime mortgages are becoming more popular and many homeowners are taking advantage of them to release equity from their homes to support retirement. Are they right for you? Do you understand them? That is what we are going to look at in this guide.

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Guides

March 28, 2022

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What is a Consumer Buy To Let Mortgage?

Having A Consumer Buy To Let (CBTL) mortgage indicates that the borrower did not intend to become a landlord. And for that reason, the regulatory requirements differ from those that did intend to become a landlord.

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Guides

March 16, 2022

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What is a mortgage prisoner?

Mortgage prisoner is a term heard more often these days, what does it mean? Simply put it refers to those borrowers who cannot due to either current lender restrictions or affordability requirements switch to a different product or lender for a better deal.

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Obtaining a mortgage for a property with issues

Guides

March 6, 2022

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Obtaining a mortgage for a property with issues

I get quite a few questions and comments from people who want to purchase a property with issues, whether that be interior condition, dry or wet rot, structural concerns and so on. How easy is it to get a mortgage in these circumstances? Well, it depends.

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Can't get a BTL without providing personal income

BTL

January 15, 2022

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Can't get a BTL without providing personal income

A question received on Buy To Let, the visitor has been struggling to get a BTL mortgage with lenders insisting that he provides proof of his own income and outgoings, why?

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Questions

January 15, 2022

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Can't get a BTL without providing personal income

A question received on Buy To Let, the visitor has been struggling to get a BTL mortgage with lenders insisting that he provides proof of his own income and outgoings, why?

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Market notes, data checks & field commentary

Lifetime Mortgage Guide

What is a Consumer Buy To Let Mortgage?

What is a mortgage prisoner?

Obtaining a mortgage for a property with issues

Can't get a BTL without providing personal income

Can't get a BTL without providing personal income

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