How to Choose a Large Mortgage Broker in the UK
A large mortgage broker is only worth paying for if it can reach lenders you cannot, tell you in writing how each will treat your income, and explain how it is paid. This guide…
How Much Does a £5 Million Mortgage Cost in 2026?
£19,792 a month interest-only, £28,506 on repayment at 4.75%, around £1 million of income at 5 times or a private bank whole-of-wealth assessment, and a 15% to 40% deposit. The…
How Much Does a £3 Million Mortgage Cost in 2026?
£11,875 a month interest-only, £17,104 on repayment at 4.75%, around £600,000 of income at 5 times or a whole-of-wealth assessment, and a 25% to 30% deposit. The arithmetic for a…
How Much Does a £2 Million Mortgage Cost in 2026?
£7,917 a month interest-only, £11,402 on repayment at 4.75%, around £400,000 of income at 5 times and a 15% to 25% deposit. The full arithmetic for a £2 million mortgage in
How Much Does a £1.5 Million Mortgage Cost in 2026?
£5,938 a month interest-only, £8,552 on repayment at 4.75%, around £300,000 of income at 5 times and a 15% to 25% deposit. The full arithmetic for a £1.5 million mortgage in
Using Investment Portfolio Income for a Mortgage: How Private Banks Monetise Assets
Private banks will treat a managed investment portfolio as income for a property-backed mortgage without taking a charge over it. We explain how Butterfield, C. Hoare & Co and…
What we worked on in July 2026: private banks, assets as income, land and six bed plus HMOs
A look at what we have been working on across residential, HNW and buy to let lending in July 2026, how lenders turn an investment portfolio into mortgage affordability, the…
Foreign National Mortgages UK 2026: Visas, Deposits, Lenders
Foreign nationals can get a UK mortgage in 2026 with or without indefinite leave to remain, and in many cases with a deposit of just 5 to 10%. What changes with your immigration…
HMO Mortgage Rates and Criteria 2026
HMO mortgage rates in 2026 start at around 4.5% for a five-year fixed at 75% loan to value on a small licensed HMO, rising to between 5% and 6.5% for large sui generis properties…
Buying a Freehold Block of Flats with a 5% Deposit: The Split-Valuation Route
A term buy-to-let mortgage at 95% of purchase, capped at 75% of the split value. How experienced investors buy a freehold block with a 5%
SPV & Trust Mortgages UK
An SPV or trust mortgage is a residential mortgage where the property is held by a UK or offshore company, bare trust, discretionary trust or offshore trust rather than the…
Dry Lending HNW Mortgages UK
Dry lending is a private bank HNW mortgage arranged without a requirement to transfer assets under management onto the bank’s wealth platform. The mortgage is priced on its own…
Private Bank VS Broker HNW Mortgages UK
Private banks lend up to £30 million and beyond at preferential rates against assets under management. Specialist HNW mortgage brokers compare those terms against the wider HNW…
Tech Executive Mortgages 2026: RSUs, Refresh Grants and LTI
A tech executive mortgage is a residential mortgage where the income is mostly equity. Half of a senior tech package is often vested RSUs, refresh grants and bonus paid in stock.…
Solicitor Mortgages NQ to 5 PQE: 2026 UK Lender Guide
A solicitor mortgage from newly qualified to 5 PQE is a residential mortgage assessed against a career income trajectory the high street tends to misread. The standard…
Chartered Surveyor Mortgages 2026: RICS LTI and Lender Guide
A Chartered surveyor mortgage is a residential mortgage assessed against RICS-qualified income. The qualification matters. It signals stable progression, recognised earning power…
£1m to £3m Mortgages UK 2026: Lenders, Rates, LTI
A mortgage between £1 million and £3 million sits in a different lender market from a standard residential loan. The high street is still in the picture, but it tightens above…
Entrepreneur Mortgages UK
Entrepreneur mortgages depend on the income proofing route, not the affordability calculator. Mainstream lenders read salary plus dividends; specialist lenders read share of net…
Asset Rich Income Poor Mortgages UK
Asset-rich, income-light borrowers have access to more mortgage capacity than mainstream affordability rules suggest. Under the FCA high net worth definition, lenders underwrite…
1 Million Pound Mortgage UK Cost Criteria
The single most common question we get from clients approaching the £1 million mark is some variant of: “what does a £1 million mortgage actually cost a month?” The honest answer…
Holiday Let Regulations 2026: Tax, Planning, and Registration
The UK holiday let market faces significant regulatory change in 2026. Two changes are certain: a mandatory national registration scheme for short-term lets in England, which the…
Smallholding Mortgages UK: Income Assessment, Land Use, and Lender Criteria
How smallholding mortgages work, income assessment rules, acceptable land use types, multi-dwelling smallholdings, and how commercial activity affects mortgage
Converting House to Flats Finance
Converting a House to Flats: Finance Options and How It Works Converting a large house into multiple self-contained flats transforms a single asset into a diversified,…
Block Vs Aggregate Valuation MUFB
Multi-Unit Freehold Block Mortgages: The Basics Block valuation and aggregate valuation are two fundamentally different ways to assess a multi-unit freehold block, and they can…
MUFB Lenders Compared
Introduction to MUFB Mortgages A Multi-Unit Freehold Block (MUFB) is a property that contains multiple self-contained residential units held under a single freehold title. Each…
How to Become a Property Developer: Your Step-by-Step Guide for 2026
A step-by-step guide to becoming a property developer in 2026: finding sites, building a professional team, understanding development appraisals, and securing first development…
Goldman Sachs Mortgages: Bonus Recognition, RSUs, and Private Bank Solutions
How lenders assess Goldman Sachs mortgage applications including year-end bonus, RSU vesting, PSUs, deferred compensation, and private bank options for GS
Actor and Entertainer Mortgages: Variable Income, Royalties, and Specialist Lenders
How lenders assess actor and entertainer mortgage applications including variable project income, royalties, mixed PAYE and self-employed earnings, and entertainment industry…
Stockbroker Mortgages: Commission Income, Variable Bonuses, and Lender Criteria
How lenders assess stockbroker mortgage applications including commission income, variable performance bonuses, FCA registration, and self-employed broker
First Time Buyer Guide to Bristol: Areas, Prices, and Mortgage Options
A guide to buying your first home in Bristol covering the best areas, typical deposit requirements, NHS income mortgages, and the buying
Contractor Mortgages: Day Rate Annualisation, Contract Requirements, and Lender Criteria
How contractor mortgages work, day rate annualisation explained, contract length requirements, and lender criteria for
Offset Mortgages Explained: How They Work, Who Benefits, and How to Compare Deals
How offset mortgages work, who benefits most, comparing offset versus standard products, and the tax advantages for higher-rate and self-employed
Bristol Buy to Let Investment Guide: Best Areas, Yields, and Mortgage Options
A guide to buy to let investment in Bristol covering the best rental areas, yields, HMO opportunities, and mortgage options for Bristol
Airbnb Mortgage Eligibility, Income Assessment, and Tax Considerations
A guide to Airbnb mortgage eligibility criteria, how lenders assess short-term rental income, and the tax implications for UK Airbnb property
£5 Million Mortgage UK 2026: Lenders, Income and Deposit
A £5 million mortgage in the UK is assessed on your total wealth, not a salary multiple, and Fox Davidson arranges them through high street large loan desks, private banks and…
Chelsea Real Estate Essentials: From Market Analysis to Mortgage Solutions
Introduction This guide covers Chelsea real estate essentials, from in-depth market analysis to practical mortgage solutions, providing everything buyers, investors, and sellers…
MUFB Mortgage: Beyond Six Units
Financing blocks of seven or more units: why lender appetite shifts at six, commercial valuation treatment, rates and structuring
Self-Employed Mortgage Income Rules Explained: Sole Traders vs Limited Company Directors vs Contractors
When applying for a mortgage, “self-employed” is not treated as a single category by lenders. Sole traders, limited company directors and contractors can all fall under the…
UK Buy to Let Landlord Yields 2026: Which Property Provides the Best Yield?
Which property types deliver the best yields in 2026: HMOs, MUFBs, single lets and regional league tables, with gross-to-net
MUFB Lending: Insights From 100+ Cases We’ve Arranged
What 100+ arranged MUFB cases show: where deals get stuck, block vs aggregate valuations, lender appetite by unit count and pricing
How Mortgage Lenders Use SA302s and Tax Year Overviews for Self-Employed Income
If you’re applying for a mortgage as a self-employed applicant, lenders will usually ask for specific documents to verify your income. Two of the most commonly requested documents…
Unlocking High Net Worth Mortgages: Specialist Finance Beyond the High Street, 2026 Guide
A high net worth mortgage is a loan of £1m or more, assessed on your overall wealth, asset base, and multiple income sources rather than a simple salary multiple. The FCA defines…
Buy to let Options: Whether to Buy Property In Company Name or not!? (UK Guide 2026)
Buying investment property through a limited company rather than in your own name changes how you are taxed on rental income, how mortgage interest is treated, and how much you…
How To Finance A House Extension 2026 UK Guide:
Financing a house extension in 2026 usually means borrowing against your current home, either by extending your existing mortgage, taking a second charge loan, or remortgaging to…
Everything You Need to Know About Mayfair Property in 2026
Key Takeaways Mayfair at a Glance in 2026 Mayfair occupies one of the most valuable rectangles of real estate anywhere in the world. Bounded by Park Lane to the west, Piccadilly…
Mortgage Lenders Offering 6x Income in 2026
A 6x income mortgage lets you borrow six times your annual income rather than the standard 4.5 times. On a £100,000 salary that is £600,000 instead of £450,000. In 2026 the…
How to Finance an HMO Conversion in London
Funding a London HMO conversion: bridging for the works, Article 4 and licensing, commercial valuations and the refinance onto an HMO
Everything You Need To Know About Buying Property in Knightsbridge (2026 Guide)
Key Takeaways Introduction Whether you are a first-time buyer, seasoned investor, or seeking a luxury residence, understanding the unique dynamics of Knightsbridge is essential…
Paragon HMO Mortgage Guide
Introduction This guide covers everything you need to know about Paragon HMO mortgages for landlords and property investors. Whether you are a professional landlord or first time…
Self Employed Mortgages With 1 Years Accounts
The most common version of this question we hear, almost weekly, is some variant of: “I went limited company a year ago, my first set of accounts has just been signed off, can I…
How Mortgage Lenders Average Self-Employed Income, And When They Don’t
One of the most common concerns self-employed borrowers have when applying for a mortgage is how lenders treat fluctuating income. This worry often increases during tax season,…
Best Buy to Let Areas London: Top 10 Places to Invest for 2026
Most weeks we get an email from a client somewhere in our database asking the same question. “Where in London should I be looking to add to my BTL portfolio in 2026?” The honest…
BM Solutions Mortgage Broker: Intermediary Guide from Fox Davidson
If you’re a landlord looking to secure a buy to let mortgage through BM Solutions, there’s one essential point to understand from the start: you cannot apply direct. BM Solutions…
10 Reasons Why You Should Use a Specialist Mortgage Broker
Introduction Are you searching for 10 reasons why you should use a specialist mortgage broker? This guide is for UK property investors, developers, and business owners considering…
How the Timing of Your Tax Return Can Affect How Much You Can Borrow
For many self-employed borrowers, January isn’t just tax season, it’s the point where mortgage plans suddenly feel uncertain. Questions often arise around deadlines, income…
How Lenders Assess Taxable Income for the Self-Employed
Tax season often brings questions for self-employed borrowers, particularly around how submitting a tax return might affect a mortgage application. We regularly speak to sole…
Bank of England Base Rate History: 1694 to 2026
What is the Bank of England base rate today? The Bank of England base rate is 3.75% today. The Monetary Policy Committee held Bank Rate at 3.75% on 17 September 2026 by six votes…
Mortgages for Doctors and Lawyers in London: Borrow Up to 6x Your Salary
Introduction Doctors and lawyers in London can access specialist professional mortgages that allow borrowing up to six times your salary, significantly exceeding the standard 4.5x…
Securing Mortgages for US Law Firm Partners in the UK: Overcoming Foreign Currency Remuneration Challenges
At Fox Davidson, we are recognised as leading mortgage brokers for senior professionals, including law firm partners practising in the UK offices of major US and international…
5% Deposit Mortgages London 2026: First-Time Buyer Guide
If you can save a 5% deposit, you can buy in London. The harder part is making the affordability stack up, because lender income multiples still cap how much you can borrow at…
The 182-Night Rule: How Welsh Holiday Let Owners Are Facing an Uncertain Future.
Holiday Lets in Wales The Welsh countryside, with its stunning landscapes and quaint villages, has long been a haven for holiday let investors. But new regulations are turning…
Top 10 Towns and Villages to Live Outside of Bristol in 2025
Looking for the best places to live near Bristol with easy commutes and stunning surroundings? We’ve refreshed our list with the latest top 10 Towns & Villages to live in 2025.…
The Best Places to Buy Property in the Cotswolds in 2025
10 Best Places to Buy in the Cotswolds The top 10 best places to buy property in the Cotswolds in 2025 are Bourton-on-the-Water, Stow-on-the-Wold, Moreton-in-Marsh, Bibury,…
Why Are Millionaires Leaving the UK?
Why are so many millionaires reportedly leaving the UK? High taxes, economic uncertainty, and political instability are key factors pushing wealthy individuals to seek…
Prime Central London Property Market Forecast 2026: Trends and Predictions
Prime Central London Property Market Forecast 2026 The prime central London property market forecast for 2026 suggests a period of modest growth and cautious optimism. After…
Navigating the Prime London Property Market: Postcode Trends and High Net Worth Mortgages
The prime London property market remains a dynamic and complex landscape, with postcode-specific trends shaping buyer demand and pricing in 2025. At Fox Davidson, a leading London…
What Sets High Net Worth Mortgages Apart?
Securing a large mortgage isn’t just about borrowing more, it’s about navigating a different world of lending altogether. Clients with substantial wealth often require more…
Best Money Saving Expert Mortgage Broker Tips
Looking to save on your mortgage? A money saving expert mortgage broker like Fox Davidson can be your solution. This guide, brought to you by the experienced team at Fox Davidson,…
How Do High Net Worth Mortgages Work? A Guide for Complex Incomes
When your income is significant but doesn’t follow a conventional pattern, securing a mortgage can be more complicated than expected. High net worth (HNW) mortgages are specialist…
Selsley House: Liam Gallagher’s Former Cotswolds Manor for Sale
Cotswold Private Finance For Period Properties Prepare to be enchanted! We at Fox Davidson, experts in Cotswolds private finance, were captivated by a recent listing in the…
A Guide to Bristol’s Property Market in 2025: Mortgage Tips for Homebuyers
Bristol’s property market remains a hotspot in 2025, blending vibrant city life with strong investment potential. With average house prices reaching £358,000 in January 2025, a…
Common Mistakes to Avoid When Applying for Mortgages for Professionals
Securing a mortgage as a professional can often involve more complex income structures and financial considerations than standard applications. While there are specialist mortgage…
The Top Ten Most Expensive Places To Purchase Property In The UK for 2025
Curious about where UK property prices are skyrocketing? Our guide to the top ten most expensive places to purchase property in the UK for 2025 highlights the priciest locations.…
Mortgage Options for High Net-Worth Individuals: Specialist Advice for Complex Needs
Fox Davidson are a high net worth mortgage broker. We work with International clients and UK resident clients to secure funding on property in the UK. We work by phone, email and…
How to Maximise Your Buy-to-Let Investment in the UK
Investing in buy-to-let properties can be a rewarding way to build wealth and secure a steady income stream. However, success requires more than simply purchasing a property and…
Best Places to Buy an HMO in the UK 2026
Last updated: July 2026 The best place to buy an HMO is not the city with the highest yield on a spreadsheet. It is the city where the yield, the Article 4 position, the licensing…
The 6 Month Mortgage Rule
What is the six month mortgage rule? The six month mortgage rule is a lending restriction that prevents most UK mortgage lenders from accepting an application against a property…
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