PRESS COVERAGE
The five types of property London homebuyers should avoid in 2024
Property pitfalls for 2024 - the Evening Standard's guide to avoiding the most expensive mistakes when buying, selling, or remortgaging - featured Adrian Anderson's specialist mortgage insights. He identified the key areas where people most commonly come unstuck, from misunderstanding how affordability assessments work to underestimating total transaction costs. His contribution reflected Anderson Harris's belief that most mortgage mistakes are preventable with the right advice at the right time.
Extract Published - 2nd January 2024
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Economic pressures on second-steppers dampen demand for typical London homes
Second-steppers - buyers looking to move from their first home to a larger property - face a distinct set of mortgage challenges that the Evening Standard explored with Adrian Anderson's guidance. He addressed the specific complexities of buying and selling simultaneously, including how to manage the timing of mortgage offers and what lenders need to see before committing to a mortgage in parallel with a sale. His practical advice helped second-steppers understand that the process is more intricate than their first purchase.
Extract Published - 28th October 2023
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Is being a parent costing you a mortgage? Meet the Londoners grappling with high childcare fees and mortgage chaos
High childcare costs were making it impossible for some families to qualify for the mortgage they needed - and the Evening Standard asked Adrian Anderson to explain why. He confirmed that lenders treat childcare as a committed monthly outgoing, directly reducing the income available for affordability calculations. His practical guidance set out how families could optimise their application - including timing, income documentation, and lender selection - to maximise their chances of approval.
Extract Published - 30th August 2023
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Five tricks to surviving the remortgage hell of 2023, from using a broker to reading the small print
Remortgage hell was how 2023 felt to borrowers caught between expiring low-rate deals and a market where replacement rates had doubled or trebled. The Evening Standard's coverage featured Adrian Anderson's practical strategies for navigating the process without making a bad situation worse. He identified the most common mistakes borrowers make when remortgaging under pressure and the steps that have the most impact on outcomes.
Extract Published - 16th August 2023
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New childcare funding could add £100,000-plus to London homebuyers’ budgets
The government's expanded childcare funding announcement prompted the Evening Standard to ask whether reduced childcare costs would make a meaningful difference to mortgage affordability. Adrian Anderson confirmed that lenders do adjust their assessment of monthly outgoings when childcare costs fall, meaning the policy change could genuinely improve what some families are able to borrow. The piece illustrated the often-overlooked link between social policy decisions and mortgage market access.
Extract Published - 22nd March 2023
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Mortgage clinic: ‘I’m self-employed and a first-time buyer. How much could I borrow to buy a rental property?’
Self-employed, a first-time buyer, and wanting to purchase a rental property - it is a combination that stops most high street lenders before the conversation has started. The Evening Standard's mortgage clinic featured Adrian Anderson's response to a reader facing exactly this situation. He unpacked the layers of complexity involved and identified the pathway and lender types most likely to consider the application, demonstrating why whole-of-market broker access matters most when circumstances are unusual.
Extract Published - 27th January 2023
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Mortgage clinic: ‘We can’t sell our home because the ground rent is renewed every five years. What can we do?’
Ground rent complications on leasehold properties were emerging as a significant barrier to mortgage lending, and the Evening Standard explored the issue with Adrian Anderson's specialist commentary. He explained which types of ground rent arrangements were causing lenders to decline applications outright and what existing leaseholders could do if their terms made the property unmortgageable. His guidance gave readers the practical distinction between problematic and acceptable ground rent structures.
Extract Published - 21st November 2022