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Hints and Tips from Catherine Kennedy 

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Hints & Tips from Paradigm Mortgage Services



Bath Building Society will accept applicants who have been discharged bankrupt for two years.


Leeds Building Society allow landlords who own holiday lets, to utilise them for personal use up to three months per year. These properties must be single dwelling only, not for multiple occupancy. 



Foundation Home Loans can accept single applicant mortgages for married couples. 



The Mortgage Lender can take contractor income for 52 weeks of the year for affordability purposes as long as the contract doesn't stipulate the need to take holiday. Income is calculated on day rate x 5 x 52. 


MetroBank's 'Joint borrower Sole Proprietor' product is available to all applicants, not only those of parent/child relation. Examples of where this might fit is brother/sister or husband/wife. Metro also allow this product on BTL transactions. 


Precise's bridging range allows bridging with no maximum loan size. This range caters for landlords looking to buy property at auction, wanting to expand thier portfolio or carry out light and heavy refurbishment on an existing property. 


Kind Regards

Catherine Kennedy
Mortgages Technical Assistant 
Paradigm Mortgage Services
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