MFB Blog | The latest mortgage advice and news

The Top Six Misconceptions about Limited Company Buy to Let Mortgages

Limited Company buy to let mortgages are increasingly popular for landlords due to the many benefits the investment structure offers. However, there are still many myths about Limited Companies that need debunking.

5 Ways to Use Bridging Finance in Your Buy to Let Portfolio (And Why)

How can bridging finance boost your buy to let portfolio? Here, we look at how you can use bridging finance to maximise your profits.

Back-to-Basics: Your Guide to Bridging Finance

What is bridging finance, and how much does it cost? In this guide, we take it back to basics and look at how to use bridging finance to boost your property portfolio.

FAQs: Is there such a thing as mortgages for businesses?

What mortgage options are available for commercial properties? And how can you finance one? Here, we answer the top FAQs on commercial investment mortgages.

Boost Your Property Portfolio with Refurb-to-Let

What is refurb-to-let, and how can you use it for your refurbishment project? Below, we look at the top FAQs for landlords considering this property investment opportunity.

How to Finance Semi-Commercial Property

With fantastic rental yields and savings on Stamp Duty, semi-commercial property is a great investment opportunity for experienced landlords. How do mortgages on these properties work, and what will lenders look for on your application?

A Beginner’s Guide to Property Development

From deposits to the types of finance available for your property development project, our blog will help you kickstart your development finance plans.

5 Legal Implications from the Renters’ Rights Bill

Following the first reading of the Renters’ Rights Bill in parliament, what are the key legal implications for buy to let landlords?

How to Finance Holiday Lets

Offering fantastic yields and diversification opportunities, holiday lets are an increasingly popular investment choice amongst buy to let and commercial landlords. Below, we answer the most common questions about financing holiday lets.

Why Complete a Commercial Product Transfer?

A rise in product transfer activity is changing how the commercial mortgage market works. Why have we seen an increase in commercial product transfers, and what are the benefits for your property investments?

FAQs: Can I use the equity in my property to fund a buy to let?

Maximising your profits from your property portfolio is essential to a successful property investment journey. Below, we cover the top FAQs we hear on capital raising to give you an idea of the options available to you.

Personal vs Limited Company Borrowing for Buy to Let

There are several differences between investing personally and through a Limited Company. Here, we answer your top questions to help you decide which is best for your property investment journey.

How Bridging Finance Can Boost Your Property Portfolio

Whether you’re a buy to let landlord or a commercial investor, knowing how to boost your portfolio is essential to a successful property investment journey. Could bridging finance be the answer?

Revisiting your HMOs: Are they still worth it?

Keeping up to date with the top-performing property types is essential to navigating ongoing changes in the property market. Here, we examine whether HMO properties are still worth it and discuss how to finance them to boost your rental profits.

Three Steps to Auction Finance Success

When it comes to auction finance, several factors help to ensure a successful purchase. Read on for expert advice and top tips on the legal process, lender outlook, and mortgage rate insights.

5 Steps to Successfully Diversifying Your Property Portfolio

Whether you own one property or ten, there are a number of factors you need to consider if you want to diversify your property portfolio. Below, we’ve outlined what to bear in mind when planning your next property investment purchase.

How to Convert Your Standard Property into an HMO

If you want to increase your property portfolio profits, converting an existing buy to let into an HMO could be a great option. Here, we look at why HMOs are so popular, the process of converting your property, and the other factors you’ll need to consider before getting started.

If I had £100k, here’s how I’d invest in property

For many landlords, experienced or first-timers, knowing how to invest in property can be overwhelming. Here, we look at what you need to consider when investing.

Five Opportunities from a Property Portfolio Review

If you’ve not yet had a property portfolio review, now’s the time to speak to one of our experts. Below, we look at the five opportunities for landlords that come from a Property Portfolio Review.

Should Landlords Consider Co-Living Developments?

A new type of purpose-built accommodation, co-living developments are growing increasingly popular amongst private renters. What do these co-living spaces offer tenants, and why should landlords consider them as an investment type?

How to: Become a Property Investor

Looking to become a property investor? Look no further – in this blog, an established property investor answers the top questions we hear from first-time landlords.

Diary of a First-Time Buyer: What I wish I’d known

Jack A’Court reflects on his experience buying his first home, offering advice and guidance to others taking their first steps on the property ladder.

How to Complete a Product Transfer

A product transfer can be an easy and cost-effective way of having your broker arrange your mortgage refinance. Below, we look at some of the frequently asked questions we hear about completing your product transfer to help you with the process.

9 Top Tips to Speed Up Your Mortgage Application

Lenders have strict regulations and complex criteria that can make applying for a mortgage difficult and, at times, stressful. Here we provide our nine top tips for ensuring that your buy to let mortgage application runs smoothly and stress-free from the outset.

Back to BTL Basics: Answering your questions

Wherever you are in your property investment journey, regardless of your experience level, it’s essential to understand these buy to let mortgage basics. In this blog, we answer the most common questions we hear from landlords to help you get started.

Five Reasons to Complete a Property Portfolio Review

What is a Property Portfolio Review, and why should landlords prioritise having one? Read our top five reasons property investors need a Property Portfolio Review.

Commercial vs. Buy to Let: Which is right for you?

Looking to diversify your property portfolio? Below, we highlight the similarities and differences between commercial and buy to let investment, what lenders look for on your application, and the types of rates available to help you get started.

Why Should Your Broker do your Product Transfer?

Is it worth letting your broker do your product transfer, or should you speak to your lender directly? Our latest article examines the benefits of having your broker handle the process for you.

Diary of a First-Time Buyer: My Home Purchase

Mortgage and Protection Consultant Jack A’Court recounts his experience as a first-time buyer, taking you through all the steps to give you an insight into what you can expect from the process.

Guide to Financing Your Home Renovations

If you’re planning to refurbish and renovate your home, knowing your different financing options is important. Below, we answer the top questions we hear from homeowners to help you get started.

Two vs Five Year Mortgages – Which is the better investment choice?

Choosing the right mortgage product term is essential – but how do you decide between a two-year or a five-year deal? With benefits and drawbacks to both, here’s what investors need to consider when choosing their next buy to let mortgage product.

Mortgages for Key Workers

As a key worker, did you know you could access more competitive mortgage products from some specialist lenders? Below, we look at the types of rates and enhanced criteria you could access.

What Lenders Look for with Commercial Investment Mortgage Applications

Consultant Mortgage Broker, Robin Tait, explains how mortgage lenders assess borrower affordability when purchasing or remortgaging buy to let investment property.

Why use a broker for your home mortgage?

Purchasing or remortgaging your home can be stressful and sometimes overwhelming. We explain how to reduce that stress and access the advice, support, and confidence you need to make the best property finance decisions.

What is HMO Licencing?

HMO licencing and planning can be complicated, especially if you are unfamiliar with the correct processes. We discuss the basics of what your property needs to be classified as an HMO and how to obtain the correct licencing.

Our Guide to Refurb-to-Let

Refurb-to-Let is a popular mortgage type for many landlords. For thoselooking to boost yields on their current investments or hoping to purchase a ‘fixer-upper’, find out how this product could benefit you.

What the Breathing Space Scheme Means for Landlords

The Debt Respite Scheme, which sets out to support people struggling with debts, could have financial implications on your property portfolio. What is Breathing Space, what can you do if you have tenants under the scheme, and what must you be aware of?

Financing BTL Studio Flats

Studio flats can be a cost-effective solution for private rental tenants, making them popular. Why should you consider studio flats as a profitable investment, and what must you know about financing them?

Day One Remortgages for Buy to Let Landlords

Day one remortgages allow you to remortgage within six months, but why would a buy to let landlord use this property finance facility?

Top 5 Landlord Concerns for 2024

A new survey reveals the top landlord concerns for 2024 and how these differ across regions in the UK. What are your peers' biggest worries for the year, and how can you navigate these challenges?

How Housing a Vulnerable Tenant Could Impact Your Mortgage

It’s important that vulnerable tenants have access to safe, secure, and decent housing that offers them the independence they need. As a landlord, how will letting to a vulnerable tenant impact your property finance?

NRLA Guest Feature: Landlord Top Tips and Navigating BTL Challenges

Marion Money, South East representative for the NRLA, sits down with MFB to discuss her top tips for landlords, what she's learned as a landlord over the years, and her advice on navigating tricky legislation.

Top Five Tips for Financing Your Next Property Flip

When flipping a property, knowing how to maximise the return on your investment is essential. Below, we cover our top five tips to boost your income.

Guide to Becoming a Student Landlord

As the number of university students increases, so does the demand for student accommodation. Where offers the highest yields, what do students look for, and how do you finance a student let?

How to: Purchase through a Limited Company

There are several factors to consider when purchasing through a Limited Company, whether via an SPV or a Trading Company. Our latest blog answers the five most commonly asked questions to ensure you have a successful mortgage application.

Diary of a Landlord: Evicting my non-paying tenant

BTL landlord and MFB Sales Director Jeni Browne spent just over a year trying to evict her non-paying tenant from her buy to let property. In her latest blog, she reflects on the process and discusses the importance of Section 21 for landlords.

Can you rent to a family member under a buy to let mortgage?

A family buy to let mortgage can be a good option if you want to help a family member. Here are the pros and cons, as well as other FAQs.

Buy to Let – From Personal to Limited Company Ownership

April 2020 marked the final stage of changes to income tax relief rules for landlords, five years after it was first announced. For many landlords, it meant that owning property via a limited company could be significantly more beneficial, but how do you make the change from personal to limited company ownership?

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Setting up an SPV Limited Company to Purchase Property

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