2024-04-19 11:11
The genesis of this article stemmed from a case where a client consolidated various funds for a gifted deposit mortgage into one account. Contrary to their expectations, this move created an… Read More
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AALTO Mortgage and Property Solutions are Broker Fee Free London Mortgage Broker providing transparent, whole of market advice nationwide.
2023-03-30 10:47
Changes to proposed EPC legislation
Buy-to-let investors may soon find themselves facing a new challenge: meeting EPC energy efficiency standards within a five-year timeline or risk facing f… Read More
2023-03-21 10:35
Lately, there have been discussions about the possibility of a banking collapse, fueled by the collapse of Silicon Valley Bank and the troubles faced by Credit Suisse. However, most exper… Read More
2023-03-15 16:37
Chancellor Jeremy Hunt unveils a “Budget for growth,” pledging billions of pounds to boost business investment and implementing measures to support the UK workforce. Major initia… Read More
2023-03-03 16:55
If you’re struggling to afford a home on your own, you’re not alone. Many families in the UK are feeling the squeeze of high property prices and stagnant wages, making it diff… Read More
2019-11-07 09:37
As the cut-off point for Help To Buy (H2B) ISAs is fast approaching on the 30th November and the Lifetime ISA (LISA) primed to take its place, we’ve chosen to share our top five resour… Read More
2019-09-24 11:58
Life assurance is reasonably well understood as a type of cover that pays a fixed amount to a family if the insured person dies.
When buying a property, it’s always recommended that yo… Read More
2019-08-22 13:04
Over the past few years, the number of queries we’ve received from investors looking to use the AirBnB platform – instead of the typical 6-month Assured Shorthold Tenancy (AST) a… Read More
2019-08-02 11:09
Today, making money out of property is quite a bit harder than it was just a few years ago.
This is because of a few reasons, including changes to stamp duty, tax relief and new rules from t… Read More
2019-05-13 17:01
Fairly frequently we come across purchases for leasehold properties where there is a short lease, and this creates quite a challenge when sourcing mortgages. This tends to be more common in… Read More
2018-12-12 17:15
Understanding income can be complex if you are self-employed.
In this blog, we talk you through what lenders expect in regards proving income – and how you can get ahead of the curve b… Read More
2018-11-22 10:50
In the last decade, it’s become very apparent that many developers have been creating properties with ground rents that are more oppressive than were typical historically.
Leaseholds… Read More
2018-11-15 11:16
Tip #1: Download your credit score before making an application for a mortgage
Many consumers assume that, since they have had credit in the past without issue, their credit report is c… Read More
2018-09-12 14:12
Buy-to-let is a serious business, it needs to be treated like one.
That’s a contentious statement I know, but it needs to be said. I’ll explain why.
A clear line has been drawn b… Read More
2018-09-12 13:56
If you think about, it it’s perfectly logical. When a mortgage is first taken out, the majority of people tend to consider investing in some form of income protection.
The reasons for… Read More
2018-06-12 08:01
You asked and AALTO answered. This time, we’re looking into two different queries pondering the remortgage of cash buys and how the 6 month rule works.
Q1: “How soon could… Read More
2018-06-12 08:01
You asked and AALTO answered. This time, we’re looking into two different queries pondering the remortgage of cash buys.
Q1: “How soon could a remortgage be applied for/obt… Read More
2018-04-23 07:58
As the five-year anniversary of the help-to-buy scheme rolls around, I want to explore the repercussions of these deals, and if they are still a good option for first-time buyers with low de… Read More
2018-03-08 15:45
When you think about houses of multiple occupation (or HMOs) you might think about student digs, something from the ‘Young Ones’ perhaps, where squalor is right of passage… Read More
2017-04-03 07:55
One of our most popular blog posts in the past has been in relation to concessionary purchase. This is where a relative can gift equity in a similar way to cash. By offering the property wit… Read More
2017-03-03 16:29
Before the 6-month rule, when the property market was booming in the 90s and early 2000s, there was a trend for investors of buy-to-lets to use day one remortgages – essentially taking… Read More
2015-08-24 15:00
LTV is one of those acronyms that is thrown about so frequently by mortgage brokers that it can be very hard to remember that not everyone knows what it means. It is probably the most import… Read More
2015-08-24 15:00
LTV is one of those acronyms that is thrown about so frequently by mortgage brokers that it can be very hard to remember that not everyone knows what it means. It is probably the most import… Read More
2015-08-24 15:00
LTV is one of those acronyms that is thrown about so frequently by mortgage brokers that it can be very hard to remember that not everyone knows what it means. It is probably the most import… Read More
2015-08-19 17:00
It’s known that the juiciest items are always held back until the end of a government announced budget. It’s usually related to the fun things, the life changing things, the thin… Read More
2015-08-19 17:00
It’s known that the juiciest items are always held back until the end of a government announced budget. It’s usually related to the fun things, the life changing things, the thin… Read More
2015-08-17 08:00
So you’ve been saving obsessively for the past year and a half, or perhaps have just had a windfall, and now is the time to finally buy your first home. You know which area you want to… Read More
2015-08-17 08:00
So you’ve been saving obsessively for the past year and a half, or perhaps have just had a windfall, and now is the time to finally buy your first home. You know which area you want to… Read More
2015-08-07 09:18
Before the credit crunch, there was a relatively even split between the numbers of customers that sourced a mortgage via a broker and those that went directly to a bank. Now I think that a m… Read More
2015-08-07 09:18
Before the credit crunch, there was a relatively even split between the numbers of customers that sourced a mortgage via a broker and those that went directly to a bank. Now I think that a m… Read More
2015-05-14 11:14
A mortgage down valuation can be a frustrating element of any mortgage purchase or remortgage. Ultimately, the value of a property is the amount someone is prepared to pay for it. However, l… Read More
2015-05-07 17:30
Anyone who has ever looked to invest in property in the capital has run into the problem of London rent to mortgage calculations. The soaring price of property has far exceeded the rise in r… Read More
2015-05-07 14:59
Check out this fantastic infographic looking at the issues facing someone looking to invest in BTL in London and some of the solutions available.
The post The Problem with Buy-to-Let i… Read More
2015-05-07 14:59
Check out this fantastic infographic looking at the issues facing someone looking to invest in BTL in London and some of the solutions available.
The post The problem with BTL in Londo… Read More
2015-05-02 12:00
It’s hard to know who to trust when it comes to buying property in the UK. It’s a complicated process, where competition is very high and there are many people out to profit at a… Read More
2015-05-01 14:47
Recently, I submitted a case for a client who had a few existing Buy To Let mortgages in the background. Without going into too much detail on the criteria, Santander was judged as the best… Read More
2015-05-01 08:59
Moving Bank Accounts?
If you are moving bank accounts to another provider, print off all of your statements as far back as you can go, or if possible, save them to your computer. Once you cl… Read More
2015-04-24 16:42
Find Property Floor Area
Check the EPC (Energy Performance Certificate) if you want to find property floor area.
An EPC must be provided by law, and made available on request by an agent. In… Read More
2015-04-21 16:57
Working as a contractor can be extremely lucrative but it can make acquiring a mortgage difficult. The upside to contractor mortgages is that companies can recruit highly skilled people for… Read More
2015-04-21 16:57
Working as a contractor can be extremely lucrative but it can make acquiring a mortgage difficult. The upside to contractor mortgages is that companies can recruit highly skilled people for… Read More
2015-04-02 11:41
I’m not one to disguise my distaste for the high street estate agency business. Having worked within it in the past, I have seen the inner workings of an agency and, whilst I understan… Read More
2015-02-24 20:02
Most of my clients are cautious and considered when it comes to money. Many are buying a property with the aim of bettering their overall financial position and, for this reason, it’s… Read More
2014-12-12 11:58
On Thursday 4th December, the new Stamp Duty rules were announced and there has already been a lot said on the topic. Some have chosen to focus on the political strategy employed by George O… Read More
2014-12-05 13:47
This year, I’ve had a number of cases where clients have looked to add partners, spouses or even children on to their mortgages, usually for a variety of reasons. In the case of Buy to… Read More
2014-12-05 13:47
This year, I’ve had a number of cases where clients have looked to add partners, spouses or even children on to their mortgages, usually for a variety of reasons. In the case of Buy to… Read More
2014-11-29 15:14
Due to all the recent news about lenders increasing their scrutiny over mortgage affordability, brokers have to be extra careful about how they calculate the maximum loan a client can realis… Read More
2014-11-29 15:14
Due to all the recent news about lenders increasing their scrutiny over mortgage affordability, brokers have to be extra careful about how they calculate the maximum loan a client can realis… Read More
2014-11-21 15:23
If you recall the next line of the famous Edwin Starr song, so often added to any Vietnam War soundtrack, you might think: Absolutely nothin’! I’ve recently noticed a resurgence… Read More
2014-11-21 15:23
If you recall the next line of the famous Edwin Starr song, so often added to any Vietnam War soundtrack, you might think: Absolutely nothin’! I’ve recently noticed a resurgence… Read More
2014-08-15 15:23
They say moving house is one of the most stressful times in a person’s life. The reasons are quite evident. You have to open your home – a place you will likely have lovingly sty… Read More
2014-05-22 20:43
Buying property for investment has a very steep learning curve. Everyone knows the trick is to buy low, sell high and make a good month to month return in the interim. The reality is far mor… Read More
2014-05-22 20:42
There has been plenty of scaremongering in the news over the past few weeks regarding the new changes to mortgage assessment. As a nation that values home ownership immensely these doom and… Read More
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