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If you’re thinking ‘Can I change my mortgage to Buy-to-Let?’, we can help.

Shared Ownership enables you to buy an initial share of between 10% and 75% of a property depending on the scheme, while a housing association retains the remaining share. 

What is the Right to Buy scheme? Right to Buy is a government scheme. It enables most council tenants to buy their council home at a discount.

Unlike personal Buy to Let mortgages, the mortgage is issued to the company instead of a person, enabling landlords to benefit from the tax efficiencies and asset protection provided by limited companies.

Meanwhile, a buy-to-let mortgage is for property investors who want to invest in a property to rent out to tenants, rather than live in it themselves. This type of mortgage is mainly for property investors or landlords. 

When you apply for a mortgage, affordability is assessed on your declared salary and dividends if you are set up as a limited company or pay slips if you are working under an umbrella or on a short-term contract.

When you're selling your current property to buy another, you'll need what's known as a moving home mortgage. Unlike a first-time buyer mortgage, this is designed for existing homeowners moving up or down the property ladder. 

Lenders prioritise job security above almost everything else. The NHS employs around 1.5 million people in England on a headcount basis, with a track record of stable employment.