Skip to main content

Articles

General
10 September 2025

Navigating the Property Chain – Landlords

Property chains can make or break your investment timeline, but with the right preparation and strategic thinking, landlords can navigate them successfully while minimising risks and delays. Property chains are…
admin
General
27 August 2025

Navigating a Property Chain – Residential

WATCH VIDEO >>> https://youtu.be/Qwdw22CS538 Property chains are one of the most stressful aspects of buying and selling homes in the UK. Whether you're a first-time buyer entering a chain or…
admin
General
7 August 2025

Is Property Investment Right for You?

WATCH VIDEO >>> https://youtu.be/5MRU3pxrtYE Property investment attracts people for many reasons such as building long-term financial security to addressing housing shortages in their communities. Many landlords are motivated by the…
admin
General
30 July 2025

Buying a Property with Japanese Knotweed

WATCH VIDEO >>> https://youtu.be/5xHyM69HmbY When you've found your dream home or investment property, discovering invasive plants like Japanese knotweed on the property can feel like a deal-breaker. These aggressive species…
admin
General
1 July 2025

Buying a Challenging Property

Transforming distressed property into profitable rental investments requires expertise, patience, and strategic planning. Let's take a look at how you can manage the process of turning a challenging property into…
admin
choosing the right neighbourhood to move toGeneral
16 June 2025

Navigating Specialist Mortgage Solutions

WATCH VIDEO >>> https://youtu.be/byGIoR-UAEs The mortgage market isn't one-size-fits-all. While standard residential mortgages work for many homebuyers, a significant portion of the population faces unique circumstances that require specialist lending…
admin
buy to letMarket News
11 June 2025

Buy-to-Let Mortgage Update – June

BY: Doug Hall, Director, 3mc Welcome to ‘Buy-to-Let Market’, a column aimed at providing you with recent criteria and product updates within the buy-to-let lending markets. The information within this…
admin
General
4 June 2025

HMO versus Single Let

WATCH VIDEO >>> https://youtu.be/Q5o5TI2rfnE The property investment landscape continues to evolve, with investors increasingly weighing the merits of Houses in Multiple Occupation (HMOs) against traditional single let properties. As we…
admin
General
7 May 2025

Self-Employed and Securing a Mortgage

WATCH VIDEO >>> https://youtu.be/3vUgSCjUc6I Securing a mortgage when you're self-employed, a contractor, or a freelancer can feel like navigating a maze with additional hurdles. While traditional employees can simply present…
admin
General
29 April 2025

Adverse Credit in the BTL Market

WATCH NOW >>> https://youtu.be/G-Pk3p9--OM The buy-to-let (BTL) market represents a significant investment opportunity for many, but navigating this landscape can be particularly challenging for those with adverse credit histories. Let’s…
admin
Market News
16 April 2025

EPC and BTL Finance

WATCH VIDEO >>> https://youtu.be/Gh0ivbF7SMQ Energy Performance Certificates are vital documents for landlords that rate a property's energy efficiency from A (most efficient) to G (least efficient). Introduced in 2007, EPCs…
admin
buy to letMarket News
9 April 2025

Buy-To-Let Mortgage Update

BY: Doug Hall, Director, 3mc Rates correct as at 28.03.25  The Mortgage Works – has reduced rates by up to 0.3 per cent across selected buy-to-let products for new customers…
admin
choosing the right neighbourhood to move toGeneral
19 March 2025

Property Portfolio Reviews

WATCH VIDEO >>> https://youtu.be/OwvoU5tKRBg Property portfolio reviews are an assessment of all the properties owned by an individual or business to evaluate their performance, risks, and alignment with financial goals.…
admin
General
4 March 2025

Becoming a Student Landlord

WATCH VIDEO >>> https://youtu.be/LdW_jsmLV_s Becoming a student landlord in the UK can be a profitable venture, but it comes with legal responsibilities and challenges. This guide outlines the key steps…
admin
Market News
20 February 2025

Buy-to-Let Market Update

BY: Doug Hall, Director, 3mc Rates correct as at 31.01.2025 Coventry for Intermediaries – has reduced all fixed rate buy-to-let products and portfolio buy-to-let products. Santander for Intermediaries – has…
admin
General
22 January 2025

Mortgage Underwriting Explained

For many, buying a home is one of the most significant financial decisions they'll ever make. However, securing a mortgage can feel daunting, particularly when it comes to the underwriting…
admin
Market News
15 January 2025

Buy-to-Let Mortgage Predictions

BY: Doug Hall, Director, 3mc A new calendar year brings with it, hope, New Year resolutions and mortgage market predictions. UK Finance, the trade association for the banking and finance…
admin
General
8 January 2025

A Joint Mortgage Explained

WATCH VIDEO >>> https://youtu.be/AxgtRGw8nXM A joint mortgage is a type of home loan taken out by two or more people together. This arrangement allows multiple individuals to combine their incomes,…
admin
General
17 December 2024

Top Questions About Remortgaging Answered

WATCH VIDEO >>> https://youtu.be/64kcZaX15xw Remortgaging is a significant financial decision for homeowners, and it comes with plenty of questions. Whether you're a first-time remortgager or considering switching deals to save…
admin
Market News
4 December 2024

A Change of Direction for the Buy-To-Let Market

BY: Doug Hall, Director, 3mc As we move through 2024, it’s clear that the buy-to-let market is undergoing a significant transformation. At the time of writing, in early October, headlines…
admin
General
28 November 2024

Buy-to-Let vs. Residential Mortgages

VIEW VIDEO >>> https://youtu.be/Ju-KbnYmBwY For anyone considering property investment, understanding the differences between buy-to-let (BTL) mortgages and residential mortgages is essential. While they may appear similar, they serve different purposes…
admin
General
6 November 2024

Top Tips for First Time Buy to Let Investors

WATCH VIDEO >>> https://www.youtube.com/watch?v=nCK9fT3gZ5M&t=6s Investing in a buy-to-let property can be a profitable venture, but it requires careful planning and informed decision-making. Here are the top 10 tips for first-time…
admin
General
30 October 2024

How to avoid common oversights when becoming a landlord

WATCH VIDEO >>> https://youtu.be/KPgo6Uru4QI When choosing a buy to let mortgage, landlords often encounter several pitfalls that can have long-term financial consequences. Here are some of the common oversights landlords…
admin
buy to let predictionsMarket News
23 October 2024

Buy to Let Market Update

The information within this article is correct as at 26/09/2024. BM Solutions – has reduced rates by up to 0.2 per cent on selected buy-to-let and let-to-buy products. Santander for…
admin
General
2 October 2024

The Role of a Mortgage Broker

When it comes to securing a mortgage, navigating the myriad of options and requirements can be overwhelming. This is where a mortgage broker can be a valuable ally. Yet, despite…
admin
choosing the right neighbourhood to move toGeneral
19 September 2024

Choosing the Right Neighbourhood to Move to

When choosing the right neighbourhood to move to, it's essential to consider various factors that can significantly affect your quality of life, convenience, and overall satisfaction with your living environment.…
admin
reducing the stress of moving houseGeneral
9 September 2024

Reducing the Stress of Moving House

Buying a home is a significant life event that comes with a mix of excitement, anticipation, and a fair share of emotional challenges, therefore reducing the stress of moving house…
admin
financial commitments when owning your own homeGeneral
17 July 2024

Financial Commitments When Owning Your Own Home

Owning a home comes with several monthly financial commitments. So just what are the financial commitments when owning your own home? Here's a detailed list of these regular expenses: Mortgage…
admin
self-build funding optionsGeneral
3 July 2024

Self-build Funding Options

Funding a self-build project in the UK can be a complex but rewarding process. By exploring self-build funding options and planning carefully, you can effectively finance your self-build project. Here…
admin
conveyancing journeyGeneral
21 June 2024

Conveyancing Journey

If you're new to house buying and selling then it may be worthwhile to learn a little about the conveyancing journey. The conveyancing journey is the process of legally transferring…
admin
buy to letMarket News
12 June 2024

Buy to Let Update

Our very own Doug Hall has pulled together recent criteria and product updates within the Buy to Let lending markets. The information within this article is correct as at 24/05/2024.…
admin
generation rentGeneral
17 May 2024

Generation Rent

“Generation rent” refers to a demographic group aged 18-40, who are unable or choose not to purchase property and instead rent their accommodation.  Generation rent faces financial difficulties from high…
admin
green mortgages explainedGeneral
8 April 2024

Green Mortgages Explained

Green Mortgages are a type of mortgage designed to incentivise environmentally friendly practices and sustainable living. Here’s an explanation of how they work: Financial Incentives: Green mortgages typically offer financial…
admin
mortgage valuations and surveys explainedGeneral
27 March 2024

Mortgage Valuations and Surveys Explained

Mortgage valuations and surveys are crucial components of the home buying process, especially for those seeking financing through a mortgage. They serve different purposes, but are both aimed at assessing…
admin
getting onto the property ladderGeneral
6 March 2024

Getting onto the Property Ladder

Getting on the property ladder can be challenging, but with careful planning and financial discipline, it’s certainly possible. Here are some top tips to help you:   Save for a…
admin
what is a decision in principleGeneral
7 February 2024

What is a Decision in Principle (DiP)?

So what is a decision in principle (DiP)? In the context of obtaining a mortgage, a lender may provide a decision in principle, also known as a mortgage in principle…
admin
improve your chances of securing a mortgageGeneral
17 January 2024

Improve your Chances of Securing a Mortgage

Securing a mortgage can, at times, be challenging as lenders will refer to a borrower’s credit report to help determine how reliable a borrower you are and if you can…
admin
buy to let predictionsMarket News
3 January 2024

Buy to Let Mortgage Predictions for 2024

The beginning of a new calendar year tends to bring with it hope, New Year resolutions and of course, mortgage buy to let predictions. UK Finance, the trade association for…
admin
types of mortgages availableGeneral
6 December 2023

Types of Mortgages available to Borrowers

There are several types of mortgages available to borrowers in the UK. These mortgages can vary based on interest rates, repayment terms, and eligibility criteria. Here are some of the…
admin
securing the right buy to let mortgageGeneral
29 November 2023

Steps to Securing the Right Buy to Let Mortgage

In recent weeks, we have been attending the excellent NRLA On Tour events, which have featured a great range of topical and relevant information for landlords. At these events, we…
admin
product transfersGeneral
15 November 2023

Learn More About Product Transfers

Doug Hall, Director of 3mc took some time out to chat about product transfers; what they are, the benefits of product transfers and how using a broker can make life…
admin
purchasing a houseGeneral
24 October 2023

Thinking of Purchasing a House?

In 2019/20, 65% of households in England were homeowners. The 2014 British Social Attitudes survey found that, given a free choice, 86% would prefer to buy their own home rather than rent.* source…
admin
managing your household budgetGeneral
17 October 2023

Tips for Managing your Household Budget

Managing your household budget effectively is essential for financial stability. If you can pull together an accurate household budget, you’ll be in a good position to cut out unnecessary spending,…
admin
renting out your propertyGeneral
10 October 2023

Thinking of Renting Out your Property?

Renting out a property can be a profitable venture, but it comes with certain responsibilities and considerations. As a landlord, you will need to familiarise yourself with your legal responsibilities,…
admin
buy to let marketGeneralMarket News
26 September 2023

Buy-to-Let: Be Prepared

There has been no such thing as ‘normal’ in the buy to let mortgage market over the last year. High inflation, an uncertain economic outlook and turbulent money markets have…
admin
Steps and Considerations when Applying for a MortgageGeneral
11 September 2023

Steps and Considerations when Applying for a Mortgage

If you’re a first-time buyer and unfamiliar with the process of applying for a mortgage, then we have pulled together the steps and considerations when applying for a mortgage. Here’s…
admin
What to look out for when buying a houseGeneral
29 August 2023

What to look out for when buying a house

Buying a house is an exciting time, but sometimes people abandon reason in the face of a house that looks perfect on the surface. The beautiful face of your dream…
admin
Market News
10 May 2023

Track Record Mortgage for First Time Buyers

We are looking at recent changes in the First Time Buyer market and Skipton Building Society have launched their new 100% Track Record Mortgage product. Please get in touch as we can…
admin
Market News
9 April 2023

Summary of the Spring Budget

It has felt like a game of musical chairs at the treasury recently. Jeremy Hunt, complete with his red box, delivered his budget on March 15th holding the esteemed position…
admin
types of mortgagesGeneral
11 November 2022

Different Types of Mortgages Explained

Mortgages come in various types, each designed to cater to different financial situations and preferences. Here are some of the most common types of mortgages: Fixed-rate mortgages A fixed-rate mortgage…
admin