Category Archives for Mortgages

Let’s make getting a Self-Employed Mortgage easy

The credit crunch has changed the whole Self-Employed mortgage industry and In today’s market, I sometimes prefer to deal with clients my age, younger or someone who has had a mortgage post-2010 because they don’t remember “the good old days.”   Before 2008 we had a lovely method of verifying income called Self-Certification which basically meant […]

Continue reading

Is Overpaying Your Mortgage Worth It?

It’s a tempting thought to overpay your mortgage when you have some money to spare.  A lot of people do it and some claim to have saved £1000s in interest.  But is it really worth it? The Good Overpaying your mortgage can result in your mortgage being paid off quicker without reducing the term This […]

Continue reading

How your company could survive if your key people couldn’t work

What would happen to your company if tomorrow your office/workspace was burned down?  What would happen to your company if all of your key people were ill at the one time (or worse)? Do you have contingency plans should the worst happen?  If not, then you should really think about doing so. It’s called a […]

Continue reading

The Pros and Cons of a Buy to Let Property v a Pension

commercial insurance gary das active brokers

1 – Buy to lets Pros You make sure you are diversified into property Your capital is retained (unlike an annuity) There is good income opportunity as well as potential for growth Drawbacks Cost of buying Rental income is not guaranteed i.e. rental void Tax Maintenance of property and legal responsibilities Time taken to manage […]

Continue reading

Tax Efficient Limited Company Director Mortgage

Active Brokers blog how to choose the perfect property Gary Das

As a company director wouldn’t you like to obtain a mortgage in the most tax efficient way possible? As a sole trader, you only have 1 option because mortgage lenders use your net profit before tax to calculate how much you can borrow. As a limited company director you will find a couple of options […]

Continue reading

Buy to Let Remortgage

I had a customer looking to remortgage an existing buy to let who I found a better solution for. I managed to save the client £7,900 over 5 years and here is how… The clients approached me to remortgage their existing buy to let property as their current deal i.e. the fixed interest rate term […]

Continue reading

Active Way To A Dream Home

This is the process we go through to get you your dream home.  It sounds like a lot of work, and it is, but we are more than happy to do as much of this for you as we can. Follow the Active Assessment Process Broker: Strategy call taking roughly 20-30 mins* Broker: Fact find […]

Continue reading

Don’t Forget The Cost Of Buying Or Moving

So many people come to me with a deposit but they haven’t thought about how much it is going to cost to buy a property. Buying a home could be possible with a 5% deposit, there are a limited number of lenders who will consider this, especially if you are self-employed with a growing business. […]

Continue reading

3 Things That Stops Company Directors Getting On The Property Ladder

I deal with thousands of business owners every year, and a good number of those are company directors.  As such, I have a great understanding of the reasons why mortgage applications fail. It usually comes down to three reasons for company directors. Deposit Credit Proving Income Mortgage applications are decided on lending criteria and decisions […]

Continue reading

How to buy a home if your credit rating sucks

The recent economic downturn has trapped many people in difficult financial situations.  If you’re one of these people and you are looking for a way onto the property ladder, having a bad credit history can really feel like a kick in the teeth when it comes to applying for a mortgage. The high street lenders […]

Continue reading
1 2 3 6