EPC Ratings

Are you, your friends or family struggling to remortgage? Our in house mortgage advisor can help! There is a new mortgage offer in place whereby the basic criteria is: Must be married, you can use your partners income to top up how much you can borrow. Borrowing up to 70% loan to value Best part is, your partners income does not need to go on the mortgage or application.   How does it work? Illustrative example: Mr Smith buys a property in his sole name with an income of £30,000.00 per annum, Mrs Smith is not named on the mortgage however earns £20,000.00 per annum, we use 50% of Mrs Smith income within the affordability. A total income of £40,000.00 to be used in the affordability based on 2 adults living at the property.   Miss Johnson wants to remortgage her property and has an income of £45,000.00 per annum, her partner Mr Taylor who is not named on the mortgage but living at the property earns £35,000.00 as a self-employed plumber. A council tax bill is provided as evidence that Mr Taylor resides at the property. £62,500.00 to be used in the affordability   Get in touch today to speak to our inhouse mortgage advisor.  

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