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General
7 May 2025

Self-Employed and Securing a Mortgage

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 their payslips, your income…
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General
29 April 2025

Adverse Credit in the Buy-To-Let Market

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 take a look at…
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Market News
16 April 2025

EPCs and Buy-To-Let Finance

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 have become increasingly important…
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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…
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choosing the right neighbourhood to move toGeneral
19 March 2025

Property Portfolio Reviews

A property portfolio review is an assessment of all the properties owned by an individual or business to evaluate their performance, risks, and alignment with financial goals. It involves analysing…
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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…
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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…
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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…
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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…
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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,…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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.…
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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…
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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…
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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…
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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…
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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.…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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…
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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,…
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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,…
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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…
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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…
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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…
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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…
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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…
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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…
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remortgaging your propertyGeneral
10 October 2022

The Pros and Cons of Remortgaging your Property

If you’re a homeowner, you may be considering whether to remortgage your property. On the one hand, remortgaging your property can offer several advantages, such as reducing your monthly payments…
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why was my mortgage declinedGeneral
20 September 2022

Why was my Mortgage Declined and what to do next

Applying for a mortgage can be a difficult procedure! If you are applying for a mortgage, it’s vital to understand all of the typical reasons why your application maybe declined,…
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house huntingGeneral
9 August 2022

House Hunting – Location, Location, Location

If this is your first time looking for a home, you may be wondering how to approach the process. When you first embark on this journey, you may feel overwhelmed…
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