Welcome to the Financial Blog from Hawke FS

On our Financial Blog page, you will find regular articles from the team of Mortage Advisers and Insurance Brokers at Hawke FS.

Each Advisor has their own area of interest and expertise, so here they will keep you up to date. Blog posts from our Mortgage Brokers will include anything from major changes in their industry to simply areas of Mortgage or Insurance that are of interest to them.

If you have any questions regarding any of the topics raised in our Blogs, please do Get In Touch. Our experienced team of Mortgage Advisors and Insurance Brokers will be happy to answer them for you.

Buying a Residential Property

Buying a residential property is a huge step for many people. Find out everything you need to know about purchasing a property and some common FAQs, here: What is the Minimum Deposit I Need to Buy a Property? Purchasing a home has had a stigma for a number of years that it is impossible to…

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Will Help to Buy Help YOU? – It’s All in the Detail

Here at Hawke Financial, the beginning of the year has seen an influx of enquiries from young and old alike as the ‘B’ word has not stopped the sun from rising in the morning…the dream to purchase a property very much remains in the current financial climate. We have supported many clients in establishing how…

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Everything You Need To Know About Remortgages

A remortgage is where you take out a new mortgage on a property you already own – either to replace your existing mortgage, or to borrow money against your property. For most people, their mortgage is their biggest financial commitment. And it follows that streamlining the largest debt can produce the largest saving – sometimes…

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The Beginners Guide To Stamp Duty

If you are in the process of buying a property, you will need to think about the additional costs that you will face. As well as having to consider the overall cost of the property, you will need to factor in the cost of Stamp Duty. Understanding Stamp Duty If you are buying a residential…

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The Landlord’s Guide To Insurance

It doesn’t matter whether you have recently bought a property to rent for the first time or you have been working as a landlord for a while, you need to think about landlord insurance. A lot of people underestimate the importance of landlord insurance, but it isn’t something that should be overlooked. Landlord insurance protects…

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10 Questions To Ask Your Mortgage Broker

Your mortgage advisor is a vital source of support and information when it comes to buying your next home. But how do you make sure you’ve found the right consultant and are getting the most from their services? See below some of our top questions to ask your mortgage broker to ensure you have enough…

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Hawke Shortlisted For The National LIS Awards

The team at Hawke Financial Services are delighted to announce that we’ve been shortlisted for the Best Buy To Let Broker at the National LIS Awards! The National LIS Awards The National LIS Awards celebrates the excellence and outstanding achievements in the private rented sector for both landlords, property investors and services throughout the buy…

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BTL Mortgages for Expats and Foreign Nationals

Although Expats and Foreign Nationals are different types of clients, the way in which lenders assess the risk is fairly similar. Out of the two, there are more mortgage options for Expats. Recently more lenders have entered the lending for these types of clients and we at Hawke have seen an increase in applications other…

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Self Employed Income Evidence Cut Off

Self-Employed Income Evidence Cut Off Advice Read our timely Blog Post below for the most important details on your Self-Employed Income Evidence Cut Off. Many banks require the most recent year’s income to be less than 18 months before the date of application. This means for applications submitted from Friday 5th October, the evidence of…

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Bridging Finance

Background Information on Bridging Finance With the BTL market slowing down since the (fairly) recent tax changes, more and more clients are looking to vary their investments. Short-term lending in the form of Bridging Finance is becoming an increasingly popular tool. It enables landlords/homeowners to expand and conjure up ways of making money. For decades,…

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Development Finance

Introduction The subject of funding development projects can often have the greatest range of clients and, in particular, their experience and knowledge. The spectrum of Development Finance clients is wide. They can range from someone looking to build their first property to an established developer looking to build a large block of flats. Below I…

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The Basics of BTL Underwriting for Limited Companies

Limited Company Underwriting Mortgage lenders have basic requirements. They need to be satisfied with these to enable them to offer the mortgage. There are many misconceptions as to how in-depth these requirements are. For instance, some lenders are now lending to First Time Buyers. These people may also be First Time landlords. Previously, however, you needed…

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Trading Company

Trading Company Mortgage Options The vast majority of information in the press points landlords towards purchasing Buy to Let (BTL) properties in a Special Purpose Vehicle (SPV). However, there are other options. Importantly, moreover, for some, these should not be overlooked. It is correct that the SPV route will attract the most competitive rates. It…

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Setting up an SPV

Setting up an SPV (Special Purpose Vehicle) Most people are now aware of the rationale behind purchasing a Buy to Let property in an SPV or Special Purpose Vehicle. However, as I still get questions on this most days, it is worthwhile confirming what is expected from a lender’s perspective and the basics involved. The…

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