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. 

Picking the right mortgage to suit your needs is an important decision. But before you get to that point it’s just as important that you choose the right mortgage intermediary to help you.

With a five-year fixed rate as low as 1.70% at 60% loan to value, a long term fix can look attractive. 
However, whilst no one will ever get buyer’s remorse at that rate, there are other factors that you need to consider if you are planning on fixing in for a longer period.
 

April will mark the start of another measure designed to increase tax for buy-to-let (BTL) investors. David Baker explains the facts and figures.

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