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Short Lease Mortgages

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Short Lease Mortgages

Clients frequently approach us to arrange a mortgage or remortgage on a house or a flat with a short lease.

Generally speaking, lenders typically consider leases of 70 years and below as “short leases”, however this does vary from lender to lender with some able to consider leases as short of 11 years at the end of the mortgage term for Central London properties.

Lenders often tell us that they are not keen to lend on properties with short leases as the property could be more difficult to sell in the future when compared to a longer leasehold or freehold property. Additionally, they say that the short lease may affect the value of the property in the future as the lease gets shorter.

Clients that typically approach us to assist with a mortgage or remortgage on a short lease property state that they have had some difficulties with either their bank or mortgage lenders they have spoken to due to the current length of the lease on a property.

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They may be looking to purchase the property and then extend the lease at a later stage. Alternatively, a lot of clients are looking to remortgage a short lease property to raise funds to extend the lease or perform home improvements.

At RockHopper we appreciate everyone’s circumstances are different. That’s why we look at every client on a case by case basis to see if it is something we can assist with. Our clients appreciate this approach as it means we don’t try to fit everyone into the same box or rely on a computer to give a “yes” or “no” decision.

If you would like to see whether we can help you with your short lease mortgage, do get in touch for a free no obligation quotation either by telephone or sending us an enquiry.

 

Best Deals -Purchase

Lender Initial Rate Type For Then APRC* ERC* Fee
SBS 1.13% Fixed Jul-2023 4.64 3.8 31-Jul-2023 £1482
CNW 1.13% Fixed Jun-2023 3.59 3.2 30-Jun-2023 £1481
HSB 1.14% Fixed May-2023 3.54 3.2 31-May-2023 £1480
HSB 1.14% Fixed May-2023 3.54 3.2 31-May-2023 £1480
BNW 1.14% Fixed 2 years 3.59 3.2 2 years £1479
CNW 1.18% Fixed Jun-2023 3.59 3.2 30-Jun-2023 £1481
WBB 1.19% Fixed Jun-2023 3.99 3.6 30-Jun-2023 £1481
BWO 1.22% Fixed May-2023 3.59 3.3 31-May-2023 £1480
TSB 1.24% Fixed Aug-2023 3.59 3.3 31-Aug-2023 £1483
CAN 1.24% Fixed Jul-2023 3.35 3 02-Jul-2023 £1482
*APRC = Annual Percentage Rate of Charge
*ERC = Early Repayment Charge
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

The mortgage products displayed above are as a result of the following search:
Reason for Mortgage: Purchase; Property Valuation: £200000; Mortgage Amount: £120000;Payment Method: Repayment; Mortgage Term: 25 years; Mortgage Product: All Offset: No Product Term Period From: 0 Months; Product Term Period To: 300 Months; .

The mortgage deals shown above are subject to individual status and a suitable security property. You may not be eligible for some or all of the deals shown given your status and/or the nature of the security property. For a more accurate indication as to mortgage deals you are eligible for, please contact us to discuss your specific situation and/or property.

 

Specialist Low Rate Mortgages

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Feefologo

Great service

Rockhopper found a mortgage to match our unusual circumstances when all other brokers failed.....
For service -  Resi/Purchase/Greenfield
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Actually listened to our requirements and provided a first class service.

First class service. Initially they actually listened to our specific requirements and the rest of t....
For service -  Resi/Purchase/Amelia Wood Way
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I recommend Rockhopper

By: Raymond G
Brilliant service, extremely helpful and reliable, they made the process simple and stress free for ....
For service -  ProductTX/Fullers Mead
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By: Darren Riley
Really good service, quick replies to quiries. Assisted all the way on my remortgage. Completion did....
For service -  Resi Remo / Beaufort Drive
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My advisor was very helpful and explained the available products, however unable to proceed due to t....
For service -  Expat/BTL/Remo/Heatherbank
Read More

Excellent service.

By: Mark Kemp
The remortgage was very clearly explained by the team. I was very pleased with the communication aft....
For service -  Resi/Remo/Lambourn
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Amazing service and great advice.

By: Andy
The RockHopper team were amazing and went out of their way to ensure I had a great experience and th....
For service -  Resi/Remo/Lambourn
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Miracle workers!

By: Dawn Crawford
David at RockHopper was friendly, reassuring and knowledgeable with our very difficult case. Ultimat....
For service -  Residential Purchase
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Totally professional and deicated to suceed.

By: Robert Payne
The team that address my application done it with such professionalism even through a difficult oper....
For service -  Resi/Remo/Bekynton
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By: Kenneth & Yvonne Stoves
Good service apart from length of time from start to completion due to this virus and other anomalie....
For service -  Resi/Purchase/Calder Road
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By: Stephen Boyd
Great service above and beyond the call of duty. Special mention for Rob Killeen, who achieved the a....
For service -  Resi/Remo/Kingston Hill
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RockHopper was the ONLY company that was able to help us secure a mortgage due to just having moved ....
For service -  Resi/Purchase/Cartvale
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Excellent

Excellent service from David Rostron. Always very quick to respond to queries and ended up getting m....
For service -  BTL/Purchase/Grand Union
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Great Service providing mortgages different to standard

By: Ryan Finnigan
Great offering, over and above what is the norm and go to a wide variety of lenders. Able to take al....
For service -  Resi/Purchase/TheCoachHouse
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Good service and communications

Very good service and advice. Helpful throughout the process of obtaining a mortgage and getting a g....
For service -  Resi/Remo/Carpenter
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By: Helen Murray
On the ball all the way until I got the mortgage offer, highly recommend Rockhoppers, even throught....
For service -  Resi Purch / Ingram Road
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Brilliant Service

By: Joe and Lucy
We were delighted with the service provided by Rockhopper. David Rostron and his team were incredibl....
For service -  Resi/Purchase
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Absolutely fabulous

By: Kevin Howe
Rockhopper managed to arrange and obtain me the best mortgage on the market for my needs even at a t....
For service -  Purchase
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Would definitely recommend RockHopper!

By: Brian Hughes
On hand when needed and open and upfront about costs ec.....
For service -  Purchase
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David Rostron went above and beyond in helping me to secure the right mortgage offer. He has now he....
For service -  Further Advance
Read More
Independent Customer Feedback
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RockHopper Mortgages is a trading style of RockHopper Origination Limited who is an appointed representative of HL Partnership Limited which is authorised and regulated by the Financial Conduct Authority.

RockHopper Origination Limited is a company registered in England and Wales with company number 10241688. Registered Office:Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK.

CONTACT US

Tel: 0203 621 5696
Fax: 0203 621 5697
Email:info@rockhopper.uk.net

Address: Rockhopper, Blackwell House, Guildhall Yard, London, EC2V 5AE

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