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Useful information
Mortgage Fixed Rate Ending Soon? Don’t Panic – Plan
Discover what you options are for your mortgage renewal.
11 November 2025
Discover what you options are for your mortgage renewal.
Discover how we helped save our client over £62,000 on Stamp Duty Land Tax through a Share Purchase.
Discover how property investors can reduce SDLT in the UK by purchasing shares in property-owning companies through Share Purchase Agreements (SPAs)
Thinking about using a limited company for a HMO mortgage? Discover how it works, what lenders look for, and the pros and cons for landlords.
Find out why lenders treat share purchases differently from property purchases. Learn about underwriting, security, and what borrowers need to know for a smooth process.
Discover how much deposit your business needs for an owner-occupied commercial mortgage in the UK. Learn about typical LTV ratios & industry-specific rates.
HMO mortgages typically need a 25%–35% deposit. Learn how deposit size affects interest rates & how Advocate Finance helps landlords find the right HMO lender
Understand all fees linked to Houses in Multiple Occupation (HMO) mortgages, including broker, valuation, legal and licensing costs. Advocate Finance.
Discover how HMO mortgages differ from standard buy-to-let loans — from costs and risks to specialist lenders, valuation methods, and investor experience.
Find out when an HMO licence is required, what councils check for, and how Advocate Finance can help fund compliant HMO conversion projects.
Discover how our client was able to purchase a property in London to trade his business from.
Our client approached us as they had secured a semi-commercial property at auction and had 20 days for the purchase to complete. The property comprised a 7-bedroom HMO and one commercial unit, here’s what we did.
Find out when planning permission is required for a HMO. Learn the rules for tenant numbers, Article 4 areas, and licensing with Advocate Finance.
Find out if you can live above a shop with a semi commercial mortgage, how lenders assess it, and what factors like leases, rent and LTV mean for approval.
Refinancing a Buy to let property within 6 months of purchase following refurb works, what evidence do lenders ask for?
Do you want the ability to borrow up to 90% of the purchase price on a genuine Below Market Value (BMV) transaction?
Discover how our client saved time and costs with a free automated valuation refinance, securing the funds they needed quickly and efficiently.
Looking to invest in a flat with a shop below? Discover if a buy-to-let mortgage is suitable or if you need a semi-commercial mortgage instead. Learn more here.
Find out when a latent defects warranty or professional consultants certificate is needed in property conversions, and how each protects your investment.
Understand how lenders evaluate semi-commercial lending applications, including tenant strength, income, experience, and property use. Tips from Advocate Finance.
Compare fixed and variable semi-commercial mortgage rates. Learn the pros, cons, and which option suits your investment strategy with Advocate Finance.