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Hi All,I'm just after a bit of advice really. My partner and I had reserved a new build prior to COVID using the HTB scheme and had a mortgage offer ready to go for exchange but the pandemic struck. The build was then stopped and completion window moved from initially Aug-Sep 20 to Jan-Feb 21. Unfortunately my partner has been furloughed and this mortgage offer has since expired. We therefore haven't exchanged and will be unable to do so without a mortgage offer. We are trying to arrange for another mortgage offer but despite being way under the possible affordability threshold of our mortgage (even taking into account my partner's furlough salary) our lender is insisting on a letter from their company to explicitly state that they will be returning to work after the furlough scheme ends in October. Apparently they are viewing the furlough scheme as a 'temporary employment' and therefore need evidence of that they will be bringing people back to work when the scheme finishes. The company is in events which has been very badly hit by the virus and have given very little indication as to whether they will bring back staff in October or start making redundancies. Apparently even if we were to reapply with another lender, they would also require this letter of confirmation. This is despite one salary able to cover the mortgage payments and even the possibility of putting down more than a 5% deposit. I am doubtful that my partner will be able to get this letter because the company doesn't appear to have made many decisions r.e. their staff and the furlough scheme as of yet and therefore without this we are currently unable to get a mortgage offer. Without this we are unable to exchange contracts. So the new build we have been waiting for over a year to be ready and which was delayed because of the virus, is now apparently in danger of falling through completely? Are there any lenders who are offering mortgages without requirement for this return to work letter?I wondered if anyone might be in a similar position and had any advice on how to proceed? Thanks for your help!

Hi, new to the exciting world of property. We have set a company up but need some adcice on accountants and brokers any suggestions are welcome! Thanks in advance!

Hi Hubbers First post- happy to be an official Hubber :-) Can anyone recommend any good independant BTL mortgage advisors in Scotland? Thanks Duncan

Hi, I live in Kent but I am looking (for various good reasons) at investing in Sheffield area. I'm currently assembling a team of advisors - accountant, solicitor, mortgage advisor etc - and evaluating the pros and cons of going local to where I live or where I will be investing. The obvious pro of having them to local in Kent is being able to pop in and see them in person at short notice but I suspect the costs down here are higher, perhaps a lot higher, than they would be in Yorkshire. An added weaker point is that people local to where I am investing might have local knowledge affinity etc. Any thoughts? Thanks John

Hi, Been following everyone's progress for a while now whilst plotting our entry into the property investing arena. We are about ready ready to get started now. We've formed a limited company and have a few properties on our radar to look at and potentially bid for. However we we are looking for some recommendations for a good mortgage broker who has experience arranging mortgages for limited companies. We are based in the midlands (just south of Birmingham) and someone local to us would be ideal. Please help, many thanks! Greg & Michelle

Hi forum members, I'm based in London but looking to invest in a BTL in manchester. Can anyone recommend a conveyancing solicitor based in the area? Many thanks

HI, Just wanted to know if anyone could recommend a mortgage advisor in Manchester/Preston area. Thanks, Danny.

Hi everyone, I am fairly new to this site so apologise if my question has been answered elsewhere. I was wondering if anyone can recommend a good tax advisor/planner. I am at the stage where I would like to start investing in property, however I wanted to run my strategy past someone to find out the best way to set up the business, i.e., ltd company, etc, before I get going. Any suggestions would be greatly appreciated. Thanks in advance! Aaron

Hi All, With the recent budgetary changes to property tax I was wondering if anyone can recommend any good Tax Advisors/Accountants in London that can help out a novice investor like me? I am hoping to buy my first investment property soon and am thinking about setting up a Ltd company to do so but would like some expert help before I commit! Many thanks, Tom