Mortgage news

Written by the mortgage advisers at Yomo Finance, whole-of-market brokers based in Rochester, advising landlords across Medway, Kent and the wider UK. TL;DR: Is a limited company buy to let mortgage better than buying in your own name? A limited company buy to let mortgage is a loan made to a company, usually a Special Purpose Vehicle (SPV), rather than to you personally. The main reason landlords use one is tax. A company can still deduct mortgage interest in full as a busin

Written by the mortgage advisers at Yomo Finance, whole-of-market brokers based in Rochester, helping first-time buyers across Medway and Kent. TL;DR: What help is available for first-time buyers in Kent in 2026? You can buy your first home in Kent with as little as a 5 percent deposit, and several schemes exist to close the gap between saving and buying. The four main routes in 2026 are the Mortgage Guarantee Scheme (which supports 95 percent mortgages on homes up to 600,000

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