Development finance funds the construction or conversion of residential and commercial properties. This guide covers how development loans are structured, how GDV is used in lending calculations and the difference between development finance and a standard mortgage.
Mixed use mortgages cover properties with more than one planning use on a single freehold or leasehold title. This guide covers how lenders assess multi-use properties, the regulatory position and which specialists operate in this space.
A semi-commercial mortgage finances properties that have both residential and commercial elements, such as a shop with a flat above. This guide covers how lenders assess mixed-use properties, LTV levels and which lenders offer semi-commercial products.
A commercial mortgage finances business premises or commercial property investment. This guide covers how commercial mortgages are assessed, what property types qualify, typical LTV and rates and how commercial lending differs from residential.
Bridging loans and mortgages both provide property finance but work very differently. This guide compares the two products on cost, term, purpose and regulation, and explains when a bridging loan is appropriate and when a mortgage is the right choice.
A bridge to let mortgage finances the purchase and renovation of a property before refinancing onto a buy-to-let mortgage. This guide covers how bridge to let works, the exit to BTL process and lender availability.
A renovation mortgage provides funds for both purchasing and improving a property in need of refurbishment. This guide covers the types of renovation mortgage available in the UK, how lenders assess renovation projects and how funds are released.
Custom build allows buyers to design their home within a developer's framework. This guide covers how custom build mortgages differ from self build, the Help to Build scheme, finance stages and lender availability in the UK.
A self build mortgage releases funds in stages as construction progresses rather than in a lump sum. This guide covers how self build mortgages work, the stage release schedule, eligibility and how to plan for cost overruns.
New build mortgages have specific lender criteria around the new build premium, builder incentives and reservation periods. This guide covers how new build mortgages differ from standard residential mortgages and what buyers need to know.
A shared equity scheme provides a loan toward the property purchase price, reducing the mortgage required. This guide covers how shared equity works, the schemes available in 2026 and the difference between shared equity and shared ownership.
Right to Buy allows council tenants to buy their home at a discount. Eligibility, the mortgage process, discount limits and repayment rules explained.
Visa holders in the UK can apply for mortgages but face specific lender criteria around remaining visa validity and deposit requirements. This guide covers which visa types are accepted, what lenders require and how to find the right product.
EU citizens living in the UK can access mortgages, but eligibility depends on their immigration status under the EU Settlement Scheme. This guide covers how EU Settlement Scheme status affects mortgage eligibility and lender assessment.
Non-UK residents can purchase UK property but face additional stamp duty, restricted lender choice and overseas income verification requirements. This guide covers the key considerations for non-UK residents buying UK property in 2026.
Foreign nationals living in the UK can access residential mortgages, but lender criteria vary based on residency status and visa type. This guide covers how UK mortgage lenders assess non-UK citizens, which visa types are eligible and what to expect.
Key workers including NHS staff, teachers, police and social workers may access specific mortgage schemes and preferential income multiples. This guide covers what key worker mortgage options exist in the UK in 2026.
UK armed forces personnel have access to a government loan scheme to help with mortgage deposits and specific mortgage products recognising military service income. This guide covers Forces Help to Buy, income assessment and lender options.
Teachers in England and Wales may access professional mortgage products with higher income multiples and government housing schemes designed for key workers. This guide covers what is available to teachers in 2026.
NHS employees can access specific mortgage schemes and benefit from lender recognition of NHS income structures including overtime, bank shifts and enhanced pay. This guide covers the options available to NHS staff in the UK in 2026.
Zero hours contract workers can get a mortgage in the UK but face additional income verification requirements. This guide covers how lenders assess variable hours income, which lenders are most flexible and how to build the strongest possible application.
Day rate contractors can have their income assessed by annualising their daily contract rate rather than using accounts. This guide covers which lenders use the day rate method, how the calculation works and what documentation is needed.
Limited company directors often draw low salaries and take profits as dividends, which can affect mortgage affordability calculations. This guide covers how lenders assess director income, which methods produce the best outcome and what documents are required.
Sole traders applying for a mortgage are assessed on net profit rather than turnover. This guide covers how lenders verify sole trader income, which documents are required and how to present a sole trader mortgage application effectively.
Freelancers with variable monthly income can still get a mortgage in the UK, but lenders assess income differently than for salaried employees. This guide covers how lenders average freelance income, what documents are needed and which lenders are most flexible.
Contractors can face challenges getting a mortgage when lenders assess income in the standard way. This guide covers contractor-friendly lenders, day rate income assessment methods and the documentation required for a contractor mortgage in the UK.
A self employed mortgage requires different documentation from employed applicants. How self employed mortgages work, what lenders assess, and how to maximise your application.
An IVA (Individual Voluntary Arrangement) does not permanently prevent getting a mortgage. This guide covers how long an IVA stays on the credit file, when lenders will consider applications and what deposit and rate to expect after an IVA.
Bankruptcy does not permanently prevent getting a mortgage in the UK. This guide covers when you can apply after bankruptcy, which specialist lenders consider discharged bankrupts and what deposit and rate to expect.
Having a default on your credit file does not automatically prevent getting a mortgage in the UK. This guide covers how lenders assess defaults, the difference between satisfied and unsatisfied defaults and which specialist lenders consider default applications.
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