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. 

There isn’t too much you can do to influence how fast your loan moves along the mortgage approval assembly line, but what you can do is eliminate unnecessary extra steps and delays that tend to prolong that process. Craig Ryan explains.

Most high street lenders no longer offer this type of mortgage but there are a few who will, along with several offshore lenders. Simon Morgan explains the issues to be prepared for when considering a foreign currency mortgage. 

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.