Insights
Check out the below insights from our team, covering the latest in mortgages, bridging finance, and development finance.
Read more about Guernsey MortgagesGuernsey Mortgages
We assist borrowers with mortgages in Guernsey, with access to International and Private Bank Mortgages, we have bespoke solutions.
Jersey Mortgages
Jersey mortgages explained, including residential, buy to let and HMO options in the Channel Islands, eligibility and how to apply.
Read more about Mansion MortgagesMansion Mortgages
We provide whole-of-market advice for buyers, homeowners and landlords financing very large, high-value residential properties in the United Kingdom, helping borrowers access specialist lenders and private banks.
Read more about Mortgages for Nigerian NationalsMortgages for Nigerian Nationals
UK mortgages for Nigerian nationals: residential, first time buyer, buy to let & commercial. Visa holders & ILR accepted.
Read more about Spanish MortgagesSpanish Mortgages
Spanish mortgages for UK, US and European buyers, arranged by our sister company Uno Money. Non-resident and expat specialists. Enquire today.
Read more about Bridging Loan Northern IrelandBridging Loan Northern Ireland
Need a bridging loan in Northern Ireland? Fast, flexible short-term finance for property and land. Get tailored help now.
Read more about Guest House MortgagesGuest House Mortgages
Learn about funding options for Guest Houses with Mortgage Lane. Mortgage options from High Street banks to specialist lenders.
Pub Mortgages
Pub mortgages assessed on EBITDA and going-concern valuations: on the cases we arrange, lending of up to around 5.5 times sustainable profit at 70% to 75% LTV, non-trading pubs at 65% against a 90-day value, terms of 15 to 40 years, first-time operators considered.
Bridging Loan Cardiff
Need fast finance in Cardiff? Mortgage Lane offers whole-of-market access to residential, buy-to-let, and commercial bridging loans.
Sharia Buy to Let Mortgages
Sharia-compliant buy-to-let mortgages explained: how Murabaha, Ijara and Musharaka structures work, eligibility, profit rates versus interest, and legal differences.
Buy to Let and Commercial Mortgages Declined on Affordability
Buy to let and commercial mortgages declined on affordability: rent cover tests, stress rates, personal tax, top slicing, limited companies and business income.
Airbnb Mortgages
Airbnb mortgages explained: residential, specialist buy to let and commercial routes, lender criteria, UK short-term let rules, and how hosting income is assessed.
Financing Land Purchase
Discover land bridging finance lenders, allowing you to purchase land fast for all types of uses and exits. Suitable for auction purchases!
Mortgage Network
Mortgage Lane is a UK mortgage broker network for self-employed brokers and Appointed Representatives, with fee splits of up to 90% and no monthly charge.
SPV Mortgage Rates
We assist limited company buy to let mortgage borrowers with the best options on the whole market and for various letting types.
When Do You Need a HMO Mortgage?
Do you need an HMO mortgage? Learn when you need one, lender criteria, and tips for securing finance for your house in multiple occupation.
Barn Conversion Mortgages
Whole-of-market advice for buyers, self-builders and homeowners seeking a barn conversion mortgage, helping borrowers identify which lenders will accept the property and what evidence is needed.
Read more about Ex Local Authority MortgageEx Local Authority Mortgage
We assist first time buyers, home movers and buy to let mortgage borrowers with mortgages on ex council houses and flats!
Mortgages With No Early Repayment Charge
Whole-of-market advice on mortgages with no early repayment charge. Compare fixed, tracker and interest only deals with no exit penalty.
Nursery Mortgages
Buying, refinancing, or expanding a day nursery? Get specialist advice on commercial mortgages and nursery premises finance from a whole-of-market broker.
Spray Foam Insulation Mortgages
Mortgage Lane advises homeowners and buyers affected by spray foam insulation mortgage problems on which lenders will consider the property and what evidence to provide.
Mortgage for 50k Salary
We assist borrowers earning 50k, to get the best affordability results and the best rate out there. Borrow up-to 6x income!
Barrister mortgage
We specialise in mortgages for barristers and self-employed professionals. Get expert advice today for your mortgage!
Best Buy To Let Mortgages For HMO
HMO buy-to-let mortgages compared: why MV1 yield-based and hybrid valuations are not the same, small versus large HMO criteria, Article 4 limits and licensing.
Read more about Care Home MortgagesCare Home Mortgages
We assist care operators and property investors with commercial mortgage advice, covering the whole market.
Challenges for Startup Apart Hotel Development Exits
Why apart hotel development exits are hard to refinance: the 12-month accounts requirement, MV1 versus 90-day valuations, and lenders that consider cases without accounts.
Read more about Commercial Buy to Let MortgagesCommercial Buy to Let Mortgages
Commercial buy to let mortgage advice from expert brokers. Suitable for HMOs, serviced accommodation and semi commercial property.
Commercial Mortgage For Block Of Flats
Commercial mortgages for blocks of flats: block versus aggregate valuations, LTV limits, semi-commercial and corporate lease scenarios, and what lenders assess.
Declined Mortgages
Find out how Mortgage Lane can assist with your decline, by connecting you with specialist lenders that have a more relaxed lending criteria.
Expat Buy to Let Mortgage UK
Looking for a buy-to-let mortgage while living abroad? We help British expats secure UK property mortgages with specialist lenders.
HMO Mortgages for First Time Property Investors
HMO mortgages for first-time investors: lenders that accept no landlord experience, MV1 yield valuations, licensing and Article 4, LTV limits and rental affordability.
Holiday Let Mortgages Restricted Occupancy
Holiday let mortgages with restricted occupancy: what counts as a restriction, how it affects LTV and resale, affordability on projected income, and lender appetite.
Lodger Mortgage
How lodger mortgages work in the UK: which lenders allow lodgers, which accept lodger income towards affordability, lodger vs tenant rules, and Rent-a-Room tax.
Mortgage On a Zero Hour Contract
We assist zero-hour contractors with mortgage advice. Learn more about mortgages for zero hour contract workers with us!
Mortgage Product Fee
Wondering about product fees on mortgages? Find out what they are and how to reduce upfront costs when applying for your mortgage!
Mortgage for Listed Buildings
Explore mortgage options against the whole market for listed buildings in the UK for residential, buy to let and commercial use.
Read more about Mortgages for Locum DoctorsMortgages for Locum Doctors
We assist locum doctors with free advice and whole of market residential mortgage options. Get in touch today!
Offshore Bridging Loan Guernsey
Guernsey bridging loans explained: rates from 0.69% per month, up to 75% LTV, residential and commercial uses, auction and BRR finance, and how exits are assessed.
Offshore Bridging Loan | Jersey
Jersey bridging loans explained: rates from 0.69% per month, up to 75% LTV, residential and commercial uses, auction and BRR finance, and how exits are assessed.
Renovation Mortgages
Renovation mortgages explained: buy-to-let refurbishment, self build, bridging and development routes, GDV and LTGDV limits, and how renovation funds are released.
Read more about Second Charge MortgagesSecond Charge Mortgages
We assist borrowers with second charge mortgage advice, for residential homeowners and buy to let landlords looking to withdraw equity.
Self Build Mortgage Lenders
Self build mortgage lenders in the UK compared: maximum LTV by lender, how stage payments work, what documentation is required, and how projects are valued.
The Beginner’s Guide to Bridging Finance
Bridging loans are commonly used for speed, flexibility, or where a property does not meet conventional mortgage criteria.
Read more about VAT Bridging LoansVAT Bridging Loans
We provide VAT bridging finance advice for those purchasing VAT-registered properties or land.
Warehouse Mortgage
Warehouse mortgages explained: up to 75% LTV, DSCR and EBITDAR assessment, MV1 yield-based, vacant possession and 90-day valuations, and what lenders require.
Mortgage Purchase Values Across South Wales and Bristol
Explore sales values across south Wales and Bristol and what this can mean for mortgage borrowers and first time buyers.
A Guide to Investing in New Builds and Conversions
How lending differs on new builds and conversions: New Build Warranties, Professional Consultant Certificates (PCC) and retrospective PCCs, deposits, documentation, and the lenders that accept them.
Agricultural Bridging Loans
Bridging loans for farms: on the cases we arrange, up to 80% LTV on residential farm cases and up to 75% on commercial; hobby farms, agricultural ties and listed properties covered, with sale or remortgage exits.
B&B Mortgage
Bed and breakfast (B&B) mortgages explained: when the statutory 40% dwelling-use test makes a loan regulated, debt service coverage of 125% to 175%, loan-to-value up to 75% on the cases we arrange, terms up to 40 years, and MV1 going-concern valuations.
Buy To Let Mortgage For HMO
Buy-to-let mortgages for HMOs: when an HMO fits standard buy-to-let criteria, when it needs specialist HMO lending, and how LTV and the valuation method affect the loan.
Buy to Let Mortgage Scotland
Scottish buy-to-let mortgages to 85% LTV: tenement flats without lease-length rules, HMO licensing, holiday lets on the islands, non-standard construction, foreign nationals and limited companies.
Buy to Let Mortgage for HMO Scotland
Buy-to-let mortgages for HMOs in Scotland: mandatory licensing, planning and use class, valuation methods including MV1, and LTV limits for Scottish investors.
DSS HMO mortgage
DSS HMO mortgages explained: LTV from 55% to 85%, lender appetite for housing benefit and Universal Credit tenancies, valuation methods, and eligibility criteria.
Development Finance For First Time Developers
Development finance without a track record: stretched senior lending up to 75% LTGDV and 90% loan-to-cost, mezzanine up to 100% of costs, private investors funding deposits, and the three ratios lenders judge.
Expat HMO Mortgage
HMO mortgages for British expats: how lenders assess overseas income and residency, what documentation is required, and how to structure a UK multi-let investment from abroad.
HMO Mortgage For LTD Company
HMO mortgages through a limited company: Section 24 tax treatment, LTV and rates versus personal name, Article 4 and Certificates of Lawful Use, and product transfers.
HMO Mortgage London
HMO mortgages in London: licensing and Article 4 planning, why large London HMOs need a yield-based MV1 valuation, managing agent costs, and first-time landlord criteria.
HMO Mortgage No Experience
Discover your HMO mortgage options without experience in the property market: what lenders look for, how room numbers change the options, and recent interest rates.
HMO Mortgage Valuations
The three HMO valuation methods compared: MV1 yield-based criteria, hybrid VP-basis uplifts, residential comparables, plus planning, Article 4 and experience rules.
HMO Valuation Based On Rent
How an MV1 HMO valuation based on rent works: the four qualifying criteria, why bedroom numbers matter (lenders often look for five-plus), and how a yield-based figure increases borrowing.
How to Secure the Best Semi-Commercial Mortgage Rates
Five factors that set semi-commercial mortgage rates: the 50% residential valuation split, LTV from 60 to 75%, lease covenants, separate access, and case strength.
Large HMO mortgage
Large HMO mortgages for properties up to 50 rooms: why MV1 yield valuations matter, when hybrid valuations fall short, and a worked commercial valuation example.
Lending Factors for Property Portfolio Mortgages
Portfolio mortgages are assessed differently from single-property buy-to-let loans because lenders review the performance and risk of the entire portfolio.
Non Status Bridging Loans
Non-status bridging loans underwritten on the asset and the exit, not your credit file. Up to 90% LTV with some lenders: some cap the loan at 90% of the price and others lend 85% of open market value, so 100% or more of the price is possible with some lenders on genuine below-market-value deals.
Processing Agents For UK Mortgages
What a processing agent does on a UK mortgage for foreign nationals: why lenders require one, typical fees of £100 to £500 a year, and when lenders proceed without.
Property Portfolio Remortgage
Remortgage a property portfolio to cut cost, release equity or consolidate. PRA portfolio-landlord rules, stress testing worked examples, true-cost comparison and free valuation options explained.
Repaying Interest With Bridging Loans
Learn about the differences in bridging finance repayment options and how interest is calculated, with Mortgage Lane.
Rural Bridging Loan
Rural bridging loans to 75% LTV on farmhouses, farms, equestrian and rural land. No maximum acreage, agricultural ties accepted, and joint legal representation for faster completions.
Serviced Accommodation Mortgage
Serviced accommodation mortgages explained: how lenders set the loan to value, the two affordability methods they use, London's 90-day rule and the criteria for first-time short-let operators.
Serviced Apartment Mortgages
Serviced apartment mortgages: the typical lender checks, affordability on booking income versus AST rent, the London 90-day rule, head lease checks and lenders that permit Airbnb.
Smallholding mortgages
Smallholding mortgages for properties with land: residential lending and LTV limits, agricultural ties, acreage rules, hobby farms, and commercial smallholdings explained.
What is a bridging loan?
Learn how UK bridging loans work, including interest, fees, deposits, repayment options and risks, plus the difference between regulated and unregulated loans.
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Tell us about your plans and a Mortgage Lane adviser will get in touch.
- Call our team
- +44 333 231 8206
- Email us
- enquiries@mortgagelane.com
- +44 7487 829005
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