85% LTV Buy-to-Let F1 product for Landlords: Foundation Home Loans
Author: Howard
13th August 2025, 8 months ago | 0
Howard
Your chance to help design a new Serco style BTL mortgage product and strategy
Author: Howard
17th June 2025, 10 months ago | 0
Aldermore Bank’s multi property portfolio mortgage product saves time and money
Author: Howard
19th February 2025, 1 year ago | 0
What puts mortgage applications outside of ‘standard’ criteria?
Author: Howard
13th August 2024, 2 years ago | 0
Buy a vacant BTL and have up to 6 months to refurbish it using final rental figure for affordability
Author: Howard
17th January 2024, 2 years ago | 0
5 year fixed rate Paragon mortgages from 5.25% with ZERO arrangement fee
Author: Howard
11th January 2024, 2 years ago | 0
Stop, read, contact – if you don’t there is a cost of delay!
Author: Howard
19th June 2023, 3 years ago | 0
Life insurance, what types are they and what do they do?
Author: Howard
31st March 2023, 3 years ago | 0
NEW Paragon 5 yr fixed rate for single units, HMOs and multi-unit blocks
Author: Howard
6th March 2023, 3 years ago | 0
Howard
Registered with Property118.com
7th June 2013
Total Posts
61
Total Comments
381
Bio
Principal of H D Consultants - national award winning Buy To Let Mortgage Broker of the Year - www.hdconsultants.net/awards
Mortgage adviser specialising in Buy To Let finance, HMO mortgages, portfolio funding, residential mortgages, life insurance and estate planning, since 1993
MD of Assured Funding Ltd., - specialist finance brokerage providing commercial mortgages, development finance, bridging loans, expat mortgages and also providing our Clients with access to private bank finance, peer to peer funding, pension fund lending
MD of Assured Protect - specialist landlords insurance Firm - Rent Guarantee Insurance, portfolio insurance cover, buildings, contents, holiday let, life insurance, business protection
And in my personal life ..... husband, dad (3x children), granddad, rugby fan, sausage maker, 80's synth electronic fan, bass guitar player, and custodian of a tortoise called Percy (think of Blackadder - and the long necked Lord Percy :-) )
H D Consultants is proud to have worked very closely with Mark, Neil and Mike for many years, and is a recommended mortgage broker on Property118.com
Reply to comment left by Michael Rothchild at 30/03/2026 - 20:22
Reply to the comment left by Michael Rothchild at 30/03/2026 - 20:22Hello Michael "...policies generally speaking are not worth the paper they’re written on they use every single excuse going to get out of paying any claim" An interesting perspective....
Read More →Reply to comment left by EDWARD CASTELINO at 30/03/2026 - 17:14
Reply to the comment left by True Owner at 30/03/2026 - 17:14"...... government has the responsibility of the tenants is this in the clause?" :-) I assume your comment is in jest :-) We are all aware that we entered...
Read More →Reply to comment left by MARY PRICE at 30/03/2026 - 14:10
Hello Stella Yes! The caveat however is that existing tenants must have been properly reference checked at the outset and before they occupied the property (ie credit, employer and affordability checks) - and also that since moving in that they...
Read More →Reply to comment left by Mark Alexander at 24/03/2026 - 16:29
Reply to the comment left by Mark Alexander - Founder of Property118 at 24/03/2026 - 16:29yes, many lenders do, but not all thankfully. 23 on my list have no max age at application, 2x have a cap at age 90,...
Read More →Reply to comment left by Mark Alexander at 23/03/2026 - 11:22
Reply to the comment left by Mark Alexander - Founder of Property118 at 23/03/2026 - 11:22Here is a list of lenders who offer BTL mortgages, and their max age at the end of the mortgage contract term (this list is...
Read More →Reply to comment left by Mark Alexander at 22/03/2026 - 11:35
Reply to the comment left by Mark Alexander - Founder of Property118 at 22/03/2026 - 11:35Hi Mark, yes, you are absolutely right, it was a BTL 'equity release' mortgage product, but it also had the added advantage for the borrower...
Read More →Reply to comment left by Mark Alexander at 21/03/2026 - 11:47
Reply to the comment left by Mark Alexander - Founder of Property118 at 21/03/2026 - 11:47Hi Mark Canada Life used to offer a very similar product. It was called the Over 55 Buy-to-Let Voluntary Select Option "Our flexible later life...
Read More →Reply to comment left by Colette McDermott at 21/03/2026 - 02:29
Reply to the comment left by Colette McDermott at 21/03/2026 - 02:29Hi Colette It would be rare to find a mortgage (a contract of a loan between lender and borrower) without an expiry date. It's not impossible, but I would...
Read More →24th December 2025, 4 months ago
As a team of independent BTL mortgage brokers, we speak with BTL mortgage lenders on a daily basis. For over a year, since the Renters Rights Act (nee Bill, and formerly the Renters Reform Bill) was initially announced, we have...
Read More →4th April 2024, 2 years ago
Hello Grahame I am a mortgage broker (31 years experience) and I can categorically state that every lender has always had the right (within their commercial lending policies, criteria and terms) to review their mortgage book, to assess current LTV's,...
Read More →8th February 2024, 2 years ago
Hello Lee I am a mortgage broker and have arranged many part portfolio remortgages of MX, Rosinca, Siberite, Topaz etc accounts, and for every case we have never experienced the lender asking for any consolidation, crystallisation or equity retention. Maybe...
Read More →20th January 2024, 2 years ago
James, there are numerous lenders that we work with who will not be so bothered about 'minimum' personal income details from you, but there are still always the AML due diligence checks, credit risk profiling, assessing experience etc etc. As...
Read More →8th December 2023, 2 years ago
One issue we are finding is that when a BTL mortgage borrower needs to renew a special deal which is expiring (ie coming to the end of a 2yr or maybe 5 yr fixed rate deal), that they cannot remortgage...
Read More →4th October 2023, 3 years ago
EPC's A - E are still mortgageable ?
Read More →Reply to comment left by Freya Stoddart at 21/06/2023 - 11:38
Reply to the comment left by Freya Stoddart at 21/06/2023 - 11:38Hello Freya That article is 10 years old (published 26th July 2013). The market has massively changed since then. There may be some funding options, but they will be...
Read More →18th October 2022, 4 years ago
As a mortgage broker, I come across this situation on a regular basis. Some people do genuinely forget, but most people who I have interviewed have chosen to hide this information from the lender because 'my residential rate is cheaper...
Read More →10th August 2021, 5 years ago
"Are Grade 2 listed properties completely exempt" ... for mortgages, yes. I bought a G2 listed 1640 part thatched cottage this year, as a holiday let, and my lender did not require an EPC for it because of it's Grade...
Read More →11th June 2021, 5 years ago
Hello Binks Re "I do recall, from the previous round of mortgaging, that lenders had a maximum number of properties they were willing to lend on within a block or street or postcode (i.e. it was their exposure as lender...
Read More →3rd March 2021, 5 years ago
Santander's post budget announcement; "Help to Buy: mortgage guarantee scheme A new Help to Buy: mortgage guarantee scheme, supported by the government, is starting in April. We’re pleased to support this and are working to launch these products in line...
Read More →25th August 2020, 6 years ago
Hello Elizabeth Many of the banks are showing sympathy for businesses and individuals who have been financially affected by the covid-19 pandemic. They are taking a view on a case by case basis and so because of that there are...
Read More →Showing 20 of 381 comments