News

Government urged to give the Buy to Let market some “breathing room”

Tuesday, July 30th, 2019

According to a report released recently by the Intermediary Mortgage Lenders Association (IMLA), entitled “Buy to Let at a crossroads”, the buy to let industry has had to absorb some significant regulatory and taxation changes in recent years.  Use a Specialist Buy to Let Mortgage Broker Given these complex changes, landlords may choose to utilise […]

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UK homeowners missing out on great mortgage advice

Sunday, June 30th, 2019

A recent survey conducted by Legal & General (“L&G”) has revealed that around 30% of borrowers who went direct to a lender for their mortgage didn’t know or perhaps did not fully understand how a professional mortgage adviser could help them with their search for a mortgage. Don’t Miss Out on a Better Deal In […]

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Second charge mortgages are now more popular than ever!

Monday, May 27th, 2019

According to recent figures released by the FLA (Finance & Leasing Association), the year-on-year comparison for second charge mortgage lending increased 31% by volume between March 2018 and March 2019, the highest growth rate for over 10 years. Here at Caboodle Finance, we believe that there are several factors which are likely to have significantly […]

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Mortgage terms of up to 40 years becoming more popular.

Wednesday, April 24th, 2019

In recent years, some mortgage lenders have increased the term over which a mortgage can be taken to up to a maximum of 40 years, whilst others have also taken the decision to increase the maximum age by which a mortgage must be repaid. Lower monthly payments, but at a price… At first glance, it […]

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Can Buy to Let survive in the current market?

Friday, March 22nd, 2019

The latest UK Finance figures indicate there has been a year-on-year reduction across the board for buy to let lending. No matter which parameters you look at, be it the number of mortgages, the total amount of lending or even the number of new properties purchased as a buy to let property, all show a significant […]

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Mortgage jargon can be confusing to first-time buyers

Thursday, February 28th, 2019

When you consider the amount of the jargon used by some in the industry concerning mortgages, property and the related legal aspects of a purchase, it is, on reflection, not surprising that many first-time buyers then struggle to fully understand the process, and data recently released by mortgage lender Aldermore certainly seems to confirm this.  […]

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Second charge mortgages – an evolving market

Thursday, January 31st, 2019

It has become apparent in recent months that the second charge mortgage market is evolving in many different directions, particularly regarding lending on a buy-to-let property.  In our experience, an increasing number of existing landlords are using a second charge on their buy-to-let property in order to raise capital.  Raising capital on a buy to […]

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Standard Variable Rate Mortgages – Stick or Swap?

Monday, December 17th, 2018

Here at Caboodle Finance, we believe that as many UK mortgage borrowers are now paying interest at their lenders’ standard variable rate, the decision of whether to stick with that lender or switch to another is becoming ever more important. SVR at it’s highest level since 2009. Recent research by Moneyfacts has indicated that following […]

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Great mortgage advice, but what about some protection?

Thursday, November 29th, 2018

Whilst homeowners and perspective borrowers often use a mortgage broker to handle many of the finance related aspects of a purchase or remortgage transaction, it seems that on occasions, many applicants run the risk of being under insured should future life changing events threaten financial hardship. Personal insurance – our duty of care… It is […]

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Much more than just a ‘Mortgage Broker’…

Wednesday, October 24th, 2018

Many prospective homebuyers (or indeed those looking to remortgage an existing property) use the services of a professional mortgage broker to determine what is likely to be very best mortgage deal in all the circumstances. That said, consulting an expert may prove advantageous in other ways too. A Good Mortgage Broker Goes Beyond just Arranging […]

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. CONSOLIDATING DEBTS MAY INCREASE THE TERM AND TOTAL AMOUNT PAYABLE.

Your initial consultation is free and you are under no obligation to proceed with a mortgage we recommend. There will be a fee for mortgage advice. The exact fee will depend on your circumstances and may be reduced depending on the loan amount and any commission we receive from the lender. It is estimated that the fee will be £595, but it may range from £495 to 1% of the amount you borrow. The fee is only payable on completion and can normally be added to the mortgage. This will be discussed and agreed with you before you make an application. Please ask for a personalised illustration.

Secured loan rates from 3.95% APRC, although we have plans available up to 29.9% APRC which allow us to assist customers with the most severe credit problems. The overall cost for comparison is 7.65% APRC. For secured loans a broker fee up to 10% of the loan amount borrowed may be payable on successful completion. A lender fee may also apply. The actual APRC available will depend on your circumstances. All loans are subject to status. Please ask for a personalised illustration.

The guidance and/or advice contained in this website is subject to UK regulatory regime and is therefore restricted to consumers based in the UK.

Caboodle Financial Services Ltd, registered in England at SQ2 House, 240b Lichfield Road, Four Oaks, Sutton Coldfield, West Midlands B74 2UD (number 08044670).
Caboodle Financial Services Ltd is an appointed representative of PRIMIS Mortgage Network (PRIMIS), a trading name of Advance Mortgage Funding Ltd which is authorised and regulated by the Financial Conduct Authority. PRIMIS is only responsible for the service and quality of advice provided to you in relation to mortgages, protection insurance and general insurance products. Any other product or service offered by Caboodle Financial Services Ltd may not be the responsibility of PRIMIS and may also not be subject to regulation by the Financial Conduct Authority. The Financial Conduct Authority does not regulate some forms of Buy to Let.

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