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Ask The Expert

Bram Vis answers your mortgage questions

Please send us your most-perplexing mortgage questions and Bram will pick some of the most challenging to answer on the website (anonymously) – and he can optionally reply to you in person too.

Latest Answers...

Yes – basically. Are you locked into this mortgage so you cannot change? – no.
Are you locked into this mortgage because to get out of it you will be charged Early Redemption Penalties (ERPs)? Potentially. Getting a Fixed rate mortgage is... Full answer...
Interest Only – always. By never paying off even 1 penny against the amount that you borrow – the Capital. Example; you borrow £400,000 on an Interest Only basis at 2.5% per annum. That would be £10,000 per annum. That would be £833 per... Full answer...
It depends on a few things: Your Mortgage - if you are buying this flat on your own, it somewhat depends how old you are and what occupation that you have, and how long you have had it. Anything that will indicate to a lender whether your... Full answer...
There is no law that says how much you can and cannot borrow as a Contractor. However – many lenders are seemingly converging at the moment on a pre-ordained set of requirements. What are these three requirements?
That you have a contract... Full answer...
It all depends on how long you have worked for your employer, how many years you have received a bonus, and how likely it is that you will receive the bonus in the future. So, any amount that you can borrow will be divided into parts.
The... Full answer...
This is quite straight-forward really for a specialist lender. The amount of rent you receive will determine how much you can borrow. Different lenders may vary a little bit in terms of exactly how much they will lend – as every lender has... Full answer...
I get asked this all the time, from people who mainly work for a company, but also have a little bit of self-employed income and a bit of rental income as well – either from a standard BTL or from Airbnb. Panic not, this is entirely... Full answer...

Do you have a question for Bram?

Post it here. Bram will reply to select questions anonymously on the website and in person too, if preferred.




This is a strictly confidential service. No personal details will be passed to any third-party. If preferred, do call Bram in person instead on 020 7504 1090.






Call Bram Vis now...

London West End office:

020 7504 1090

Isle of Wight office:

01983 642 643