Jake Stott CeMap’s Post

🏢 Thinking of a Buy-to-Let Through a Limited Company? 🏠 Due to recent tax changes, this option has gained popularity. But is it right for you? 🤔 Consult an accountant to tailor your mortgage structure. Remember, while rates may be slightly higher, the gap is narrowing. 📊 Ensure rental income is at least 125% of your mortgage interest to keep it viable. For access to all options, consider speaking with a mortgage advisor. #PropertyInvestment #BuyToLet Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

🏢 Thinking of a Buy-to-Let Through a Limited Company? 🏠 Due to recent tax changes, this option has gained popularity. But is it right for you? 🤔 Consult an accountant to tailor your mortgage structure. Remember, while rates may be slightly higher, the gap is narrowing. 📊 Ensure rental income is at least 125% of your mortgage interest to keep it viable. For access to all options, consider speaking with a mortgage advisor. #PropertyInvestment #BuyToLet Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

🔄 Let-to-Buy? 🏠🔑 Keep your current home and rent it out, while moving into a new one! Here’s how: Convert your mortgage to buy-to-let to free up capital, then secure a new residential mortgage for your next purchase. 🏦 Ensure 25% equity in your current propertie, with potential rental income influencing your borrowing ability. 🚀 Benefit from being a no-chain buyer! 📈 Remember, extra stamp duty and tax implications as a new landlord. #RealEstateInvesting #MortgageTips Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

📍 Can Everyone Borrow 4.5 Times Their Income for a Mortgage? Let’s Break It Down! 📍 The answer is: Not always. Affordability varies based on several factors, including: ✅ Your Credit History: A strong credit score can improve borrowing potential. ✅ Income & Outgoings: Lenders look at your income alongside costs like utilities, council tax, and other monthly commitments. ✅ Lender Policies: Some lenders offer between 4.5 to 6 times your income, depending on their criteria. ✅ Fixed Rate Term: You may be able to borrow more with a longer fixed-rate product compared to a shorter one. Every lender is different, and your circumstances will play a big role in what’s possible. That’s why sitting down with a mortgage broker can make all the difference – they’ll calculate your affordability and find the best deal for you! 💡 Want tailored advice? Follow us for more mortgage tips or reach out today. Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730 #MortgageTips #MortgageAffordability #MondoMortgages #UKMortgages #HomeBuying #BorrowingPower #MortgageBroker

🔄 Let-to-Buy? 🏠🔑 Keep your current home and rent it out, while moving into a new one! Here’s how: Convert your mortgage to buy-to-let to free up capital, then secure a new residential mortgage for your next purchase. 🏦 Ensure 25% equity in your current propertie, with potential rental income influencing your borrowing ability. 🚀 Benefit from being a no-chain buyer! 📈 Remember, extra stamp duty and tax implications as a new landlord. #RealEstateInvesting #MortgageTips Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

⏳ When Your Fixed Rate Mortgage Ends: Know Your Options! 🔑 If you stay passive, you'll shift to a higher standard variable rate. But why settle? 🔄 Option 1: Renew with your current lender—quick & easy, no new app needed. Or, 🔄 Option 2: Switch lenders for potentially better terms and rates. Plan ahead and save! 💰 #MortgageTips #HomeFinance Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

⏳ When Your Fixed Rate Mortgage Ends: Know Your Options! 🔑 If you stay passive, you'll shift to a higher standard variable rate. But why settle? 🔄 Option 1: Renew with your current lender—quick & easy, no new app needed. Or, 🔄 Option 2: Switch lenders for potentially better terms and rates. Plan ahead and save! 💰 #MortgageTips #HomeFinance Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

Tis the season for cosy nights in! 🏡🎄 What's your favourite holiday tradition to enjoy at home? #HomeSweetHome #MortgageFriday 👉🏽https://lnkd.in/edS6u5Sm THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. CONSOLIDATING DEBT MAY REDUCE YOUR OUTGOINGS NOW, BUT YOU MAY END UP PAYING MORE OVERALL. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Your Property Financial Ltd (FCA Number:942504) is an Appointed Representative of PRIMIS Mortgage Network, a trading name of Personal Touch Financial Services Ltd (FCA Number: 187834). Personal Touch Financial Services Ltd is authorised and regulated by the Financial Conduct Authority. We usually charge a fee for mortgage advice. The amount of the fee will depend upon your circumstances and will be discussed and agreed with you at the earliest opportunity. The Financial Conduct Authority does not regulate some forms of buy-to-let, overseas and commercial mortgages. * * * #yourpropertyfinancial #mortgagebrokers #mortgageTips #firsttimebuyermortgage #HomeLoan #mortgage

⏳ When Your Fixed Rate Mortgage Ends: Know Your Options! 🔑 If you stay passive, you'll shift to a higher standard variable rate. But why settle? 🔄 Option 1: Renew with your current lender—quick & easy, no new app needed. Or, 🔄 Option 2: Switch lenders for potentially better terms and rates. Plan ahead and save! 💰 #MortgageTips #HomeFinance Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730

🏡 Considering Additional Funds During Your Fixed Rate? 💸 Understand your options: A further advance allows you to borrow more under different terms, but be cautious of potential repayment charges if you sell or remortgage. 🚫 Not all lenders offer this—research is key! Alternatively, a second charge mortgage might fit if you don't qualify for a further advance. This involves a higher interest rate due to increased lender risk. 📈 #MortgageTips #HomeFinance Your home may be repossessed if you don't keep up repayments on your mortgage. Mondo Mortgages is a trading style of Fort Advice Bureau which is regulated and authorised by the FCA to conduct Mortgage and Protection business, FRN: 972730