News

Specialist lenders to prosper in a challenging buy to let market

Monday, September 28th, 2020

In life as well as in business, the best lessons are often learned during the most difficult and challenging times, and this sentiment certainly holds with respect to the mortgage market since the onset of the COVID 19 pandemic. With an array of new complexities and added considerations impacting mainstream lenders in recent months (together […]

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Demand for Mortgage Advice Likely to Increase Following Stamp Duty Freeze

Wednesday, August 26th, 2020

The onset of Coronavirus has certainly created great uncertainty around the world, and it is true to say that in recent months the UK mortgage market has become a little more unpredictable too. A High Demand for Mortgages Conversely, the recently announced stamp duty freeze seems to have whetted would-be homeowner appetites and as a […]

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Are Mortgage Payment Holidays Really “Risk Free”?

Wednesday, July 22nd, 2020

The mortgage market is about to enter a new phase following the end of the many mortgage payment holidays that were taken out by the millions of people who found themselves seriously impacted by COVID-19 during these difficult and unprecedented times. Are There Consequences to Payment Holidays? Although it was a Government initiative and reassurances […]

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Second Charge Mortgage Market Remains Resilient

Friday, June 26th, 2020

It is certainly true that all aspects of the property and mortgage market have been affected in some way by the lockdown and trading restrictions associated with the Coronavirus pandemic. Restricted Product Offerings As a consequence of COVID 19, some lenders have restricted their product offerings and even temporarily withdrawn from various finance and mortgage […]

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A Welcome Boost for Landlords in the Buy to Let Market.

Wednesday, May 27th, 2020

According to a recent survey undertaken by Hamptons in March this year, which indicated that tenancy renewals were at their highest since 2008, many buy to let landlords may have received a timely boost. * This is welcome news given that, following recent events, many believed that there would initially be high volatility in the […]

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Mortgage Advice Could be Crucial During Coronavirus Crisis

Monday, April 27th, 2020

As part of the financial rescue package offered by the Government in the wake of the coronavirus pandemic, a mortgage payment holiday could be just the thing to help many thousands of people in what will be a very difficult period financially over the coming months. Thankfully the majority of mortgage lenders have played their […]

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Market competition grows for high loan-to-value mortgages

Wednesday, March 25th, 2020

According to research released by Moneyfacts (a company that compiles data that is used throughout the UK Financial Industry), prior to the COVID-19 pandemic, those borrowers or potential homeowners with small deposits now have more product choice than they have had for nearly 12 months. 95% Mortgages This is great news for homebuyers who are […]

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Second Charge Mortgages show healthy growth

Wednesday, February 26th, 2020

A recent report issued by the Finance and Leasing Association (FLA) indicated that in the 12 months to the end of November 2019 the total number of new second charge mortgages issued was in excess of 27,700, which represented a 19 percent increase. Furthermore, the total amount advanced during the same period was approximately £1.2bn, […]

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Is Buy to Let property investment here to stay?

Friday, January 24th, 2020

In a recent report from Perrys Chartered Accountants, approximately three out of four people surveyed indicated that despite what many viewed as a stagnant property market, the buy to let sector still represented a very real investment opportunity.** Interestingly, of the millennials surveyed, the percentage was slightly higher with around 80% agreeing that the buy […]

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Who is providing advice to the bank of mum and dad?

Friday, December 6th, 2019

The injection of capital from parents and grandparents to help the younger generations get onto or climb the property ladder appears to have become ‘par for the course’ in today’s climate, but who is providing professional mortgage advice to those giving this financial support? Mortgage advisers could easily find themselves in a difficult position where […]

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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.

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Caboodle Financial Services Ltd, registered in England at Mere Green House, 46-48 Mere Green Road, Sutton Coldfield, West Midlands B75 5BT (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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