Tag: Stress Testing

What happens when a buy to let mortgage application is declined?

Author: Mark Alexander

24th November 2025, 5 months ago | 0

Few things are more frustrating for landlords than having a mortgage application declined. You may have spent weeks preparing documents,...

Stress Testing at 145% vs 125% Rental Coverage Rules

Author: Mark Alexander

17th November 2025, 5 months ago | 0

One of the biggest hurdles landlords face in 2025 is passing lender stress tests. Even if your property generates a...

The Impact of Stress Testing on Landlords’ Borrowing Power

Author: Mark Alexander

12th November 2025, 5 months ago | 0

Stress testing has become one of the biggest hurdles for landlords seeking finance. Even when rental income is strong, lenders...

How Bank of England Base Rate Changes Affect Buy-To-Let Mortgages

Author: Mark Alexander

3rd November 2025, 6 months ago | 0

Every time the Bank of England announces a change to the base rate, landlords sit up and take notice. The...

How Rising Interest Rates Have Changed the Commercial Lending Market

Author: Mark Alexander

29th October 2025, 6 months ago | 0

Rising interest rates have transformed the lending landscape for landlords. Deals that looked affordable three years ago may now be...

What Landlords Need to Know About Buy-To-Let Affordability Tests in 2025

Author: Mark Alexander

1st September 2025, 8 months ago | 0

Buy-to-let landlords are facing a very different mortgage market in 2025 compared to even a few years ago. While demand...

Shawbrook Bank – Definitely not for “brand new customers only”

Author: Neil Patterson

13th November 2013, 12 years ago | 1

Shawbrook Bank are now offering a 0.25% discount on the margin or a 0.25% discount in the arrangement fee for...

Buy to Let mortgage products and criteria – market update

Author: Neil Patterson

20th August 2013, 13 years ago | 0

After updating and writing the article on our Buy to Let mortgage sourcing system and calculator I thought I would...

property118

Leeds Building Society BuytoLet rates cut by up to 0.7%

Author: Neil Patterson

31st May 2013, 13 years ago | 2

The Leeds Building Society has cut its BuytoLet rates buy up to 0.7% on selected products whilst keeping low fixed...

Holiday Lets purchased using commercial finance on the increase

Author: Neil Patterson

26th April 2013, 13 years ago | 1

Members of The National Association of Commercial Finance Brokers (NACFB) have reported a steady increase in Holiday lets being purchased...

Shawbrook Bank slash arrangement fees and rates

Author: Neil Patterson

29th January 2013, 13 years ago | 2

Shawbrook Bank specialists in commercial and BTL finance have reduced their arrangement fees to 1.70% a saving of 0.80%, and...

property118

FSA Mortgage Market Review and the PRS

Author: Neil Patterson

25th October 2012, 13 years ago | 0

The FSA Mortgage Market Review rules will come into effect on 26 April 2014 and I have listed the FSA’s...

Godiva BuytoLet save £2499 on the same rate!

Author: Neil Patterson

12th September 2012, 14 years ago | 2

Godiva BuytoLet, owned by the Coventry Building Society, have further tweaked their Flexible variable and Flexible fixed products by keeping...

property118

Development Finance void being filled by new lenders

Author: Brooklands Commercial Finance

2nd August 2012, 14 years ago | 0

Many high street banks are still refusing to offer new or extended terms to development finance facilities and those that...

Principality will consider Holiday Homes on BuyToLet

Author: Neil Patterson

20th July 2012, 14 years ago | 0

The Principality Building Society will consider lending on holiday homes using their standard buy to let product range and criteria....

Godiva launch new 75% buy to let product range

Author: Neil Patterson

13th July 2012, 14 years ago | 0

Godiva, owned by the Coventry Building Society, have launched an aggressive new buy to let product range extending its loan...

property118

How to combat Commercial and development loan rate increases

Author: Brooklands Commercial Finance

27th June 2012, 14 years ago | 0

Bank tariffs are increasing amidst fears of the Euro zone instability and the resulting increase in funding costs. There is...

property118

My first intentional property investment part 5

Author: Mark Alexander

26th June 2012, 14 years ago | 4

By 1999 I had realised that I needed to put money aside for maintenance. Tenants were moving in and out...

property118

Development Finance is still supported in the current market

Author: Brooklands Commercial Finance

6th June 2012, 14 years ago | 0

We are witnessing a significant rise in the incidence of some banks refusal to offer new or extended terms to...

How to calculate the amount you can borrow on a buy to let mortgage

Author: Neil Patterson

16th May 2012, 14 years ago | 6

“How much can I borrow?” is a question I am asked on a daily basis and thought I would assist...