JOURNAL
See our articles, press round-ups, testimonials and awards.
The articles below has information contained within was correct at the time of publication but is subject to change. This is for information purposes only and does not constitute advice.
ARTICLES & INSIGHTS
Buying a second property opens up a wider range of mortgage options than many people realise. The right choice will depend largely on how you intend to use your new property.
Buying a second property opens up a wider range of mortgage options than many people realise. The right choice will depend largely on how you intend to use your new property.
We’re sure you've used a mortgage salary multiple calculator to find out how much you could borrow. They can be useful, but they rarely tell the full story for high net worth individuals.
For high net worth borrowers, remortgaging is not always just a matter of seeking the best available rate. Standard remortgage products may not always be designed around large loans, complex income structures or premium properties.
Homeowners approaching the end of a mortgage deal usually have two main options. You can take out a new product with your existing lender.
Remortgaging is different from borrowing for a new house purchase. Specific deadlines often drive the process, often the end of an existing arrangement or a project that needs funding.
A higher income does not just affect how much you can borrow. For some borrowers, such as bankers, asset managers, and private equity and tech professionals, earning £300k or more can also change how lenders assess overall mortgage strategy.
Many first-time buyers receive help from family or other sources, but the right structure depends on their unique circumstances. Should you choose a gifted deposit or joint borrower sole proprietor (JBSP) mortgage?
A practical mortgage guide for first-time buyers with stronger incomes, family support or more complex affordability
For City professionals, moving out of London can mean a different approach to your mortgage. Read about affordability, bonus income and lender criteria here.
Do RSUs count for mortgage affordability? Learn how lenders treat stock awards and sale proceeds in our latest guide from the Aderson Harris mortgage team.
Maximise borrowing power with variable bonus-heavy income. Learn what lenders look for and how to prepare your mortgage application as an investment banker.
Buying in Highbury & Islington? Key mortgage support for City professionals, including leaseholds, affordability, bonus income and lender requirements.
Do you have a complex or variable income? Learn what banks are looking for when you apply for a mortgage and how the right advice can help you get a yes.
Private bank mortgages in London. Learn when they help, what private banks look for, and what options are available for large loans and complex income cases.
Using an annual bonus for a mortgage? See how UK lenders assess bonus income, what paperwork is needed, and steps to improve approval chances in our blog.
Anderson Harris is a specialist in securing million-pound mortgages. We support those looking for mortgages over 1 million and high-value mortgages.
Take a look at our recent press buzz and see how we’ve been making headlines this month.
With important changes to Stamp Duty rates on the horizon this April, it's crucial to stay informed. In this newsletter, we'll cover everything you need to know to navigate these changes effectively. Whether you're buying your first home, investing in property, or just keeping up with the market, we've got the insights to keep you ahead.
Confused about why mortgage rates aren’t dropping with the Bank of England’s base rate? Discover how swap curves and market dynamics shape fixed-rate mortgages – and why a trusted advisor can help you navigate these uncertain times.
#MortgageAdvice #SwapCurve #FixedRate
With Labour back in power and an economy once again on the path to recovery, what could the upcoming budget mean for housing and, more specifically, your mortgage?
If the lessons of the past - from the financial crash to Brexit, COVID, a decade’s worth of inflation in 24 months, and a war in Europe - have taught us anything, it’s that navigating your financial journey shouldn’t be a solo mission. Frodo didn’t make it to Mordor on his tod.
Is it worse to be a Landlord or a Banker in the eyes of the public? The Conservative government of the past 14 years has pulled off a parlor trick (until they didn’t), convincing the affluent middle class that they champion entrepreneurial spirit, while simultaneously imposing hefty taxes on property and specifically targeting landlords. 3% Surcharge on Stamp Duty, removal of interest rate tax relief, constant tinkering with tenancy legislation and poor economic management leading to rising interest rates. An after-dinner digestif that’s awfully hard to stomach.
Capital & Interests:- What is the plan for Britain’s much maligned housing market?
As the dust settled on Labour’s landslide victory, talking heads across the UK began the inevitable task of predicting what the government may spend their initial political capital on. Having won a wide but thin mandate on a manifesto of caution and limited ambition, would they choose this moment to jolt the electorate with a series of bold but controversial policies? Yes & No.
Divorce is an incredibly stressful and emotional experience. To achieve the best outcomes, it's important for various professionals to collaborate and offer support. We have extensive experience in producing mortgage capacity reports for use in divorce proceedings. We understand what information is relevant to the decision-making process and how to handle this sensitive topic.
In the UK, our home is our castle, and this cornerstone of British life is in many ways our unique obsession. But if home ownership is so popular, economically beneficial, and politically supported, why has it become so difficult for those who do not own a home to go out and buy one? In chapter two of our Capital and Interests series we ask what we have to do to be considered worthy of home ownership?
Last month’s widely publicised rollout of the government’s ‘free childcare’ offering contains a clause that many hard-working families are likely to find frustrating and disappointing, given the considerable financial strain the cost of childcare puts them under; the exclusion of any and all support if one parent earns over £100,000. No tax-free childcare, and no free hours until the child reaches 3.
AWARDS
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PRESS COVERAGE
Testimonials
The team went above and beyond, and we wouldn’t hesitate to recommend them to anyone looking for expert mortgage advice and support. Thanks again for all your help!
Anderson Harris's Tom Rimmer was understanding of our mortgage needs and sourced an excellent re-mortgage deal for us. He was proactive with the changes to mortgage rates and was happy to listen and check on new rates that I had heard about.
I wouldn’t hesitate to recommend Anderson Harris to anyone looking for expert mortgage service.
Best in class! Harry and the whole team have always been fantastic. Always on hand to answer a call/message (weekends/holidays etc.) which is testament to the high service they give.
I have worked with Harry and the team repeatedly over the years for various mortgages / remortgages and each time leave feeling equally impressed - not only with the deals they can source but with the tailored, personal, approach they take. Always professional, highly efficient, calm, they make the entire process straight forward. Can’t recommend highly enough.
If you want a mortgage advisor who’s not just knowledgeable, but truly dedicated to your needs, Tom is the mortgage adviser to go to. We would whole heartedly recommend him and Anderson Harris to anyone.
As always they have been very professional in dealing with my re-mortgage and secured me the best deal available
The service received from Tom and Tonie at Anderson Harris was exceptional. All communication was clear, responsive and genuinely helpful. We appreciate Tom going above and beyond to answer all our questions as first time buyers and provide assurance throughout the process. Thank you also for the celebratory gift once we completed, it was such a kind gesture!
Harry, Tonie, and the team have always sought to understand our needs and recommend the best products. Communication is always timely and efficient, would recommend highly
Anderson Harris did rate changes on a number of my properties. Some of which were quite complicated. I was kept informed with their progress at all times.
I would like to thank Anderson Harris for their professionalism and support throughout the process.
I would be very happy to recommend Anderson Harris.
Tom, the mortgage advisor has been recommended to us by our friend and we must say the overall service has been incredibly responsive, efficient and a real pleasure.
Thank you Tom and Tonie!
Highly recommended
Outstanding service (again). I caused a slight delay in the transaction, and Tonie could not have been more patient and professional. I will be asking Tom Rimmer and Tonie Copeland for advice again in the future.
The team have been so helpful from day one. Friendly, professional and knowledgeable. And a rare bonus these days... they reply promptly too! They've made the whole process of finding a suitable mortgage then making it happen totally painless. Would definitely recommend.
I can't recommend Jessica Burton & Katy Butler highly enough. As a nervous first time buyer they were really helpful and understanding. Thanks so much!
Friendly, informative and always on hand to answer any queries. I would highly recommend Anderson Harris to others. Katy & Jessica have explained things in laymen's terms for me, as requested! And helped me through a complex process. Thank you!
Lauren and Katy maintained constant contact, giving assurance on the progress of my mortgage application and dealt extremely diligently with the complexities required to approve my particular case.
Had the pleasure of working with Lauren Wilson and Katy Butler, they took the stress out of the mortgage renewal process and were extremely helpful, efficient and knowledgeable. Have worked with Adrian Anderson and Anderson Harris before and would definitely recommend!
Took out a mortgage on our first home together and it frankly couldn’t have been easier. Being first time buyers we didn’t really know what to expect, you hear the horror stories online. But Lauren Wilson and Katy Butler at Anderson Harris made it a walk in the park and secured us the best deal on the market. The whole experience was so easy and hassle free, we cannot recommend Anderson Harris enough.
Brilliant team, really helpful and responsive and happy to explain things in simple terms for me as a first time buyer! I'd definitely recommend
Tom and Tonie have been great to work with - they're super quick to respond and to find a great deal. Would highly recommend and will be using them in the future!
The whole process from start to finish with Anderson Harris was made so easy and it was genuinely a pleasure to speak with Harry, I really mean that.
We were buying and selling at the same and found that neither the estate agents or solicitors were working on our behalf on our sale, whereas Harry provided us with great advise above and beyond simply our mortgage. It’s rare to get this level of service and he made it obvious that he truly did care.
I cannot recommend Anderson Harris more highly.
We have been blown away with the level of support and guidance that we have received from Tom Rimmer and Tonie Copeland. They have been patient and supportive and have spent a lot of time advising us not only on the mortgage but insurance protection as well. They have been a really important part of the purchase process and we really felt that Tom and Tonie were fantastic assets to have on our team! I would highly recommend Anderson Harris and the wonderful Tom and Tonie.
My husband and I were referred to AH by a friend of ours and are so happy we used AH to buy our first home. Jessica our broker was easy to speak to, communicated well and navigated us through this whole house-buying process, including finding a mortgage offer in this economy. The rest of the team (Katy and David) helped us find suitable life and home insurance. Whole team made the process effortless.
I highly recommend Anderson Harris! Jessica and the team were incredibly helpful and made the process much easier.
Me and my partner used Anderson Harris to secure a mortgage in principle, find solicitors, set up life insurance etc. Through the whole process everyone was friendly and helpful and made it very simple for us to deal with all the things that come with buying a property and moving. We mostly dealt with Harry and Tonie and they were super helpful and always responded quickly to any questions me and my partner had.
As ever working with Anderson Harris is a pleasure they take the stress out of the process and make it so effortless. Very grateful for Tom and Tonie's advice, expertise and diligence.
I have used Anderson Harris multiple times over the years. They remain very efficient and always do what they say they are going to do. I would not hesitate to recommend them and often do.
