The 95% mortgage is back – but before you leap in, consider all your costs. 

What is Japanese knotweed and how could it affect your house purchase? David Baker explains.

In his latest blog, David Baker discusses using annual bonus payments when making a lending decision.

Contractor mortgages really don’t need to be overcomplicated, it’s simply a matter of knowing which lender is most likely to be able to interpret a client’s situation and understand their income patterns. As I always say in my blogs this is where a good broker can make the whole process a lot simpler for you. 

Bonus payments can play a big factor in whether a client can borrow the amount they need for that new dream home or not. Here are a few of David Baker's reminders on all things bonus and mortgage related. 

Planning your mortgage finances when thinking about starting a family requires almost the same level of planning as starting the family itself and it's really important to think ahead. 

This year I have been inundated with meetings and to make it more exciting, a few lenders have made some major policy changes which will benefit many of my City based clients.

With the recent rise in the Bank of England base rate, more clients are requesting fixed rate mortgages, but on occasion a tracker mortgage might make more sense. David Baker explains. 

With the housing market experiencing a slow down, especially in the South East, house buyers are in a better position to negotiate on price. Here are my top tips for how best to approach a house purchase negotiation. 

Investment professionals often have income situations that make mortgage applications less straightforward. Over the years, having so many of these clients has given me a good insight into how best to help those working in the City in similar situations.