Beckie Pepperrell - Blogs

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  • What is a consumer buy to let mortgage?



    The Mortgage Credit Directive, effective 21st March 2016, introduces a legislative framework for consumer buy to let. Find out what it is and what it could mean for you.

  • Why I chose a 5-year fixed rate mortgage now



    Back in 1990, mortgage interest rates peaked at an eye-watering 15.4%. Compare that with today’s rates, some as low as c.1%, and it’s not difficult to appreciate that home-owners have had it pretty good over the last 10 years. But, in the words of Bob Dylan, the times, they are a-changing…

  • Best Residential Remortgage Rates



    The record low mortgage rates are starting to disappear. Beckie Pepperrell, Head of Residential looks at which lenders have already started pulling rates and what options are still available for those looking to fix.

  • Are mortgage rates on the rise?



    Rate changes, criteria amendments and changes to regulation. What is in store for borrowers for the rest of 2017? Beckie tells it how she sees it for home-buyers and movers.

  • How to let to buy



    As the name suggests, let to buy is a type of finance which allows you to let out your current home and buy a new one to live in. Beckie Pepperrell, Head of Residential Mortgages, explains how it works and why you might want to use this type of finance.

  • Home-owner mortgages for portfolio landlords



    Not all mortgage lenders accept applications from landlords with four or more mortgaged buy to let properties, irrespective of whether they receive an income from the rents. So what are the options? Beckie Pepperrell explains.

  • Lock into a rate with a low RTI now and complete in 2017



    You’ve decided you want to remortgage your property to ensure you don’t miss out on the 125% rent to interest (RTI) calculation but you don’t want to pay any ERCs on your existing buy to let mortgage… Beckie Pepperrell explains how you can get round this if your current initial term is due to expire in the next six months.

  • How to get an interest only mortgage



    These days it’s much harder to get a residential mortgage on interest only terms. You have to jump through more hoops but it is possible, as Beckie explains.