TL;DR: Can you remortgage an HMO? Yes, you can remortgage an HMO. When your current deal ends or your fixed rate expires, you can switch to a new HMO mortgage with your existing lender (a product transfer) or move to a different lender to release equity, cut your rate, or fund another purchase. HMO remortgages are assessed differently from standard buy-to-let. Lenders look at the property's rental income against an interest coverage ratio (ICR), your HMO licence status, the n

TL;DR: Yes, you can get a mortgage when you are self-employed in Kent. Most lenders want two to three years of accounts, assessed through your SA302 tax calculations, and will typically lend around 4 to 4.5 times your income. A handful of specialist lenders accept one year of trading if your income is strong and your deposit is larger. How each lender counts your income varies enormously, which is why self-employed applicants in Medway, Rochester and across Kent usually get a

Saving a deposit while paying Medway rent can feel impossible. A 5% deposit mortgage UK lenders offer could get you onto the ladder sooner. This guide explains how 95% mortgages work in 2026, what they truly cost, and who they suit. You will learn the deposit needed for a Medway home. Expect an honest look at the pros and cons. By the end, you can decide whether to buy now or keep saving. What is a 5% deposit mortgage? A 5% deposit mortgage is a home loan covering 95% of a pr

You found a house to view in Medway, and the estate agent asks one question. Do you have a mortgage agreement in principle? Without one, many agents will not book your viewing or pass on your offer. A mortgage agreement in principle proves you can likely afford the home. This guide explains what it is, why you need it before viewing, and how to get one quickly. You will also see how Yomo books appointments, including Saturdays, so you can view with confidence. What Is a Mortg

If you are considering investing in an HMO property, the mortgage is likely the piece causing you the most uncertainty. An HMO mortgage is a specialist product, and most high-street lenders will not offer one. That leaves many investors unsure about deposits, rates, criteria and where to even start. This guide covers everything you need to know. You will learn what an HMO mortgage is, how it differs from a standard buy-to-let, what lenders require, and what rates look like in

Finding the best mortgage advisers in Medway is not as simple as picking the first name that pops up on Google. You are about to make one of the biggest financial commitments of your life, and the adviser you choose can be the difference between getting a great deal and overpaying for years. This guide gives you a clear framework for evaluating mortgage advisers across Rochester, Chatham, Gillingham, Strood, and Rainham. You will learn exactly what to look for, what to avoid,

First time buyer mortgage rates in Kent currently range from around 3.75% to 5.60%, depending on your deposit size, credit history and the deal you choose. With the Bank of England base rate at 3.75% and further cuts expected this year, it is a promising time to explore your options. The average first time buyer property in Kent sits between £220,000 and £320,000, making it more accessible than much of the South East. Explore our first time buyer mortgage services or get in

QUICK OVERVIEW Buying your first home in Medway typically requires a 5 to 10 percent deposit, which works out to around £13,650 to £27,300 based on the current average first time buyer price of £273,000. First time buyers pay zero stamp duty on properties up to £300,000 in 2026, and government schemes like Lifetime ISA and First Homes can help reduce your upfront costs even further. Want personalised advice? Explore our first time buyer services or get in touch with our Medw

Mortgage Adviser Medway: Your Complete Guide to Finding Expert Help in 2026 Updated in November 2025 A mortgage adviser in Medway helps you find and secure the best mortgage deal by searching the whole market, comparing rates from 90+ lenders, and handling your application from start to finish. Most advisers either charge a flat fee of £300 to £600 or work for free on a commission basis. Using a whole-of-market broker like Yomo Finance gives you access to exclusive deals not

Updated in October 2025 Mortgage Adviser Rochester: Your Guide to Buying or Remortgaging in Kent If you're looking for a mortgage adviser in Rochester, you're probably wondering how they can help and what it'll cost. A mortgage adviser searches the whole market to find you the best mortgage deal from over 90 lenders, not just one bank. They assess your situation, recommend suitable products, handle all the paperwork, and talk to lenders on your behalf. Most charge between not

What are the best mortgages for first-time buyers in the UK? Buying your first place is a big deal—and it can feel like alphabet soup. This guide cuts the noise. We’ll show the mortgage types that usually work best, how to compare the real cost, what deposit you need, and a Medway case study with plain-English numbers. When you’re ready, speak to Yomo Finance in Medway for tailored advice. Table of contents What counts as a first-time buyer in 2025? How do first-time buyer m

Myth! If you are thinking of buying a property with a mortgage, you may have questions about some of the things you have heard about...

Are you dreaming about owning your own home? Not sure how to make it happen? You’re in luck!! We’re helping first time buyers in the UK...

The big question! Getting a mortgage is one of the biggest financial decisions you’ll make, so it’s important to get it right. A mortgage...