In this episode, Richard Campo, Founder of Rose Capital Partners talks over the 3 main things you need to know when coming to arrange a Buy To Let mortgage: 1) How much can you borrow 2) How much deposit do you need 3) How much will it cost To find out more, please visit the relevant page on our website below which covers all of this off in much more detail, along with a podcast https://rosecp.co.uk/mortgages/buy-to-let-mortgages/ #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice ...
Nov 21, 2023•3 min
In this podcast, Richard Campo, Founder of Rose Capital Partners talks over the 3 main things you need to know when coming to arrange a mortgage as a High Net Worth Borrower 1) Income Definition 2) Asset Defintion 3) Minimum Loan Size To find out more, please visit the relevant page on our website below which covers all of this off in much more detail, along with a podcast https://rosecp.co.uk/high-net-worth-m... #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #...
Nov 15, 2023•2 min
In this video, Richard Campo, Founder of Rose Capital Partners talks over the 3 main things you need to know when looking to arrange an Interest Only Mortgage 1) How much can I borrow 2) How much will it cost 3) What fees do I have to pay To find out more, please visit the relevant page on our website below which covers all of this off in much more detail, along with a podcast https://rosecp.co.uk/interest-only-mo... #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvis...
Nov 06, 2023•2 min
In this months market update we cover off: - Are interest rates stabilising? - What product is best to take right now? - In depth look at market data So for all that and more, we hope you enjoy our Mortgage Market Update and if you need assistance, please do get in contact on the details below https://rosecp.co.uk/contact-us/ #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice...
Nov 01, 2023•8 min
This week, we look back over the key themes in May and how the rest of the year may shake out. Also, maybe why we are rubbish on Social Media, but we look back over (very) long term trends to get better context on the market. Key points looked at are: · Mortgage Rates Continue to Rise · House Prices Reach Record new highs (again) · The Best Mortgage Rates and Money Markets · How we digest this data to get your mortgage paid off faster! So for that, a lot more, we hope you enjoy the update #mortg...
Jun 06, 2022•9 min
This week, we are joined by the vivacious Hilary Banks, Head of Sales at Guardian to talk over all things Life Cover. On the surface, that may seem very simple, but as we talk over, it can get complicated very quickly. Especially if you have larger assets or more complex affairs. The main topics we talk over are: · As we are primarily looking at our clients from a mortgage perspective, getting life cover in place is easy surely? · Where do you see advisors get this part of the process wrong? · S...
May 24, 2022•26 min
Off the back of the UK seeing the highest rate of inflation for 40 years, this week, Richard Campo, Founder of Rose Capital Partners, the mortgage advisors, talks over what we are seeing in the following areas: - House price inflation, which is now 9.8% according to the ONS - Lenders are pulling their products and increasing pricing faster than ever - Lenders are tightening affordability if you have debts and kids, which means some people can not borrow as much as they thought So for that, a lot...
May 22, 2022•11 min
This week we are joined by the engaging and extremely well tailored Peter Izard, Head of Intermediary Mortgages for Investec. We have a wide ranging conversation about high net worth clients, large loans and more complicated situations, but specifically cover the main points below: - What is it you are looking for in a mortgage client from a Private Banking perspective? - How does the Private Banking lending approach differ from High Street lenders? - What would your top tips(s) be for anyone wh...
May 13, 2022•25 min
Following the Bank of England’s rate rise in May, Nick Plappert, Director at Rose Capital Partners joins Richard Campo to talk over the main issues in this area, such as: - Following the Bank of England taking rates from 0.75% to 1%, how high do you think rates will go? And over what timeframe? - Have we seen lenders change many products off the back of this? - Is it just the BoE pushing up mortgage rates or are there other factors at play? - Has this affected lender criteria in any way or is th...
May 06, 2022•14 min
This week we review the month of April and what themes are, and will be, affecting the mortgage and property markets. Key topics we talk over are: - UK Base Rate and Mortgage Rates On The Rise - House Prices Reach Record Levels Again - Lenders Love Higher Earners - Money Market & Mortgage Rates So for that and a lot more, we hope you enjoy the update #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonM...
May 02, 2022•13 min
This week we talk to Jerome Fick, Mortgage Expert at Rose Capital Partners, to talk over all aspects of Interest Only mortgages, which is a very complex and sometimes risky area. In the conversion we discuss the below points and a few case studies: - What is an interest only loan? - Why do clients want a loan this type of lending? - What is the qualifying criteria for this? - How does this fit within our principle of getting our clients debt free? So for that and a lot more, we hope you enjoy th...
Apr 22, 2022•20 min
This week we talk to our resident Protection Expert, Molly Dunn, on why it is so important to ensure you have adequate protection for your mortgage, why everyone needs cover and why we deny the numbers in this area. Key topics we discuss are: Why do clients need protection? What forms of protection are generally relevant to people? What if you have existing cover? What if I have cover through work? So for that and a lot more, we hope you enjoy the update #mortgagenews #bestmortgagerates #mortgag...
Apr 18, 2022•14 min
This week we look at what info First Time Buyers should know when they come to get a mortgage with Joanna Ziou, Mortgage Expert at Rose Capital Partners. She also talks over a recent case study and also covers areas such as: - Who qualifies as a first-time buyer? - How much deposit does a first-time buyer need? - What benefits do first-time buyers get? - What is the average age of a first-time buyer? So for that and a lot more, we hope you enjoy the update #mortgagenews #bestmortgagerates #mortg...
Apr 10, 2022•12 min
This week we review the month of March and what themes are, and will be, affecting the mortgage and property markets. Key topics we talk over are: - UK Base Rate and Mortgage Rates On The Rise - House Prices Reach Record Levels Again - Lenders Love Higher Earners - Money Market & Mortgage Rates: So for that and a lot more, we hope you enjoy the update #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #London...
Apr 03, 2022•13 min
This week we look at top tips when you come to remortgage with Paul Asare, Mortgage Expert at Rose Capital Partners. He also talks over a recent case study and also covers areas such as: 1. How do I remortgage my house? 2. What is needed to remortgage? 3. Can you do a remortgage yourself? 4. How much deposit do you need to remortgage? So for that and a lot more, we hope you enjoy the update #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoal...
Mar 27, 2022•20 min
This week we look at how to get a mortgage if commission is a large feature of your income, with Bethany Smith, Mortgage Expert and resident ray of sunshine at Rose Capital Partners. She also talks over a recent case study and also covers areas such as: 1. How lenders treat commission income 2. How to maximise your borrowing in the area if you need too 3. The most commonly asked questions in this area So for that and a lot more, we hope you enjoy the update link #mortgagenews #bestmortgagerates ...
Mar 20, 2022•14 min
This week we look at how to get a mortgage if you a complex income, with Jerome Fick, Mortgage Expert at Rose Capital Partners, who also talks over a recent case study. This will typically include people who are - self employed, working on a contract, have variable income, vesting stocks, carry, and even large bonuses or commission. We also cover areas such as: 1. What a complex income actually is when looking at mortgages 2. How to find the right solutions when recommending lenders 3. The most ...
Mar 11, 2022•14 min
Wow, what a month it was! After a calm January heading into what looked like a world getting back to ‘normal’, we are then on cusp of the largest military campaign since 1945. These truly are uncertain times. So in such uncertain times, we try our best to make sense of it all and how you ride out the storm. Key topics discussed are: 1. How will the conflict in Ukraine affect the UK Mortgage Market? 2. Will there be an impact on the UK Property Market? 3. What is the outlook now for Interest Rate...
Mar 03, 2022•10 min
This week we look at how to get a mortgage if you get bonus income in more detail with Mike Brooker, Mortgage Expert at Rose Capital Partners, who also talks over a recent case study. We also cover areas such as: 1. How different banks view bonus income 2. How much you can expect to borrow factoring in your bonus 3. How complex income such as Carry, Vesting stock and investments are assessed So for that and a lot more, we hope you enjoy the update https://youtu.be/WuO2lBpj2Oc #mortgagenews #best...
Feb 27, 2022•17 min
This week we look at large loans in more detail with Nick Plappert, Director at Rose Capital Partners, who also talks over a recent case study We also cover areas such as: 1. Treatment of bonus income 2. How complex income such as Carry, Vesting stock and investments are assessed 3. High Street vs Private Bank lending So for that and a lot more, we hope you enjoy the update #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates ...
Feb 19, 2022•14 min
When you are looking to raise money for home improvements, there are 3 main aspects you need to consider: 1. Level of equity in your property 2. Ability to borrow the money = affordability 3. What type of work is being done For a detailed look at the above areas, plus the best mortgage rates and a lot more, we hope you enjoy our weekly market update You can also read the Ideal Home article Richard was quoted in on this subject here - https://www.idealhome.co.uk/property-advice/remortgaging-to-re...
Feb 13, 2022•15 min
This week we look at: - What impact has/will the base rate increase have on mortgage products and criteria? - Is there now an affordability squeeze? - Is the London property market coming back? For that, the best mortgage rates and a lot more, we hope you enjoy our weekly market update You can also find out more on Jack Monroe's work here - https://www.bbc.co.uk/news/business-60140858 #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #int...
Feb 06, 2022•12 min
We explore the challenges for non-UK nationals and UK nationals abroad seeking a mortgage. Can an EU citizen get a mortgage in the UK? Can I get a UK mortgage if I am paid in Euros? Can I get a mortgage without a UK passport? Can a non UK resident get a mortgage in the UK?
Feb 03, 2022•12 min
This week we look at how rising inflation is changing the expectations of where interest rates may go this year, and what knock-on impact that will have on mortgage pricing. So for that, the best mortgage rates, and a lot more, we hope you enjoy our weekly market update. #mortgagenews #bestmortgagerates #mortgagebroker #mortgageadvice #mortgageadvisor #mortgages #mortgagegoals #interestrates #largeloans #LondonMortgageBroker #mortgageadvice #mortgage #largemortgageloans...
Jan 27, 2022•10 min
This week we're going to talk through a little bit about the upsides of inflation, and why inflation decreases costs in real terms, one of my favourite economics terms. It's one of these symbiotic relationships in economic terms. The thing that triggered this thought is that GDP is now above pre-pandemic levels, what that means in the context of the very high inflation we have is in the UK right now, and then ultimately, where that will take us with mortgage interest rates.
Jan 17, 2022•11 min
Market Update – edition 358 Subject: • End of LIBOR • Introduction of SONIA • Discounted Rates and why they trick best buy tables Discounted Rates: - Look closely at o When was the lenders SVR changed o What is it linked too o Does this suit your risk appetite if it is the cheapest rate? (better to fix?) End of Libor - Why LIBOR ended o In 2012, many major banks were implicated in a LIBOR rigging scandal -, including Deutsche Bank (DB), Barclays (BCS), Citigroup (C), JPMorgan Chase (JPM), and th...
Jan 13, 2022•8 min
We are back! By popular demand, the weekly mortgage update is back in your life. To kick off the year, we are reviewing 2021 and how that will affect the key themes in 2022. Specifically in relation to: - Interest Rates - Mortgage Lending - Property Prices Rose Capital Mortgage Brokers in London are one among the best. Our Mortgage Advisors in London offer expert financial advice & connect you with UK lenders across a wide range of mortgage services....
Jan 12, 2022•14 min
When you set out to buy a home with income from more than one source, securing a mortgage may not be as straightforward as you might think. While there isn’t a standard definition for what constitutes ‘multiple incomes’, if you have more than one income source, this video will help you understand key aspects of achieving a mortgage. Richard Campo, Managing Director of Rose Capital, shares his experienced views on what you should know before planning a mortgage with multiple or complex income str...
Dec 16, 2021•6 min
Achieving a mortgage based on your investment income - it's a question many of our clients ask us. In this video, Richard Campo, Managing Director of Rose Capital Partners, explains the below: ✅ Finer details of investment income mortgages ✅ How lenders assess your investment income ✅ How much you can borrow over investment returns. Reach out to us at Email: info@rosecp.co.uk Phone no: 0207 935 7866...
Dec 16, 2021•4 min
As you need an income to get a mortgage in the first place, making sure you also get an income if you can’t work because of an injury or illness is vitally important. As the broadest type of protection there is, we talk over why we are such a fan of this cover. In this video, Richard Campo of Rose Capital Partners shares key facts on Income Protection, so you make an informed decision when it’s time to make a choice. What are your essential takes from this video? ✅ What is Income Protection? ✅ W...
Oct 26, 2021•7 min
