Chartwell Funding Blog

This case study demonstrates how bridging finance helped transform a run-down auction property purchase into modern, well-presented buy-to-let property. It is a great example of how investors can acquire a property that mortgage lenders would not consider suitable and turn it into a reliable income producing asset.

Many first-time buyers still have to rely on the bank of Mum and Dad (or Bank of Grandparents) to gift them some/all of a cash deposit to get on the property ladder. However, not every family has the funds to do this and so this month we will be taking a look at some of the alternative schemes available to help first time buyers

The UK rental market is evolving and for proactive landlords, the upcoming changes present a real opportunity to strengthen portfolios, improve tenant relationships, and future-proof investments. With the introduction of the Renters’ Rights Act and updated EPC requirements, the sector is moving towards greater stability, transparency, and sustainability. While change always requires adjustment, these reforms are designed to create a more professional and resilient rental market for the long term.

Being self-employed doesn’t mean you can’t get a mortgage, but you may need to provide more evidence of your income. Whilst employed applicants get assessed using their payslips, for the self-employed lenders want to see that your earnings are sustainable through bank statement, business accounts or tax returns.

In our latest interview, we cover everything from misconceptions, credit score, and what lenders will look for. We sat down with Alex Hall at Pepper Money, an adverse credit mortgage lender to tell us more.

Impaired credit (you might also hear it called adverse or bad credit) simply means you’ve had some financial bumps in the road. You’re not alone. It’s very common in the UK, and it doesn’t necessarily mean you can’t get a mortgage.