Principals For Finance

Principals For Finance 30+years as a whole-market broker expert in loans, mortgages, insurance, and financial advice your trusted partner for financial solutions since 2004.

With 30+ years of expertise, we're your whole-of-market Broker offering access to diverse providers specializing in Mortgages Bridging & Development Commercial Loan, General Insurance (via Bima), Health & Life Protection (via Regency Financial Services).

During the valuation and legal process, lenders or surveyors may sometimes identify factors that require further review ...
27/05/2026

During the valuation and legal process, lenders or surveyors may sometimes identify factors that require further review before a purchase can proceed.

Examples can include valuation concerns, lease-related matters, property condition issues, or construction-related considerations.

Understanding potential challenges early can help buyers feel more prepared throughout the mortgage and property purchase process.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876

Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

A Buy-to-Let purchase typically involves several stages, including mortgage checks, property valuation, legal work, and ...
25/05/2026

A Buy-to-Let purchase typically involves several stages, including mortgage checks, property valuation, legal work, and lender assessment.
While every transaction is different, understanding the general process can help landlords feel more prepared throughout the purchase journey.
Timescales and requirements can vary depending on the lender, property type, legal process, and individual circumstances.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876
Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

Choosing a Buy-to-Let property often involves reviewing a range of factors beyond the purchase price alone.Landlords may...
20/05/2026

Choosing a Buy-to-Let property often involves reviewing a range of factors beyond the purchase price alone.

Landlords may consider elements such as local tenant demand, transport links, rental income potential, property type, and longer-term location considerations before proceeding with a purchase.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876

Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

Understanding Buy-to-Let affordability can sometimes feel complicated, particularly for first-time landlords.When assess...
18/05/2026

Understanding Buy-to-Let affordability can sometimes feel complicated, particularly for first-time landlords.

When assessing a Buy-to-Let mortgage application, lenders may consider factors such as anticipated rental income, affordability calculations, stress testing, property details, and an applicant’s wider financial circumstances.

Lending criteria and affordability requirements can vary significantly between lenders and mortgage products.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876
Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

Understanding how lenders assess Buy-to-Let affordability can make a significant difference to your application.From ren...
11/05/2026

Understanding how lenders assess Buy-to-Let affordability can make a significant difference to your application.

From rental coverage requirements to interest rate stress testing, each factor plays a role in how much you may be able to borrow.

As criteria can vary between lenders, structuring your application correctly is key.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876



Mortgage is a loan secured against your home . Your home may be repossessed if you do not keep up repayments on you mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice.

Mortgage approval is subject to lender criteria and affordability.

Buying a property to rent out is known as Buy-to-Let.Unlike a standard residential mortgage, lenders usually place signi...
07/05/2026

Buying a property to rent out is known as Buy-to-Let.
Unlike a standard residential mortgage, lenders usually place significant emphasis on the expected rental income, often assessing whether it can cover the mortgage with a safety margin.
Buy-to-Let mortgages are assessed differently. Deposits are typically higher, commonly around 25%, and criteria can be stricter depending on the lender and individual circumstances.
Some people use Buy-to-Let for long-term property growth, while others focus on generating rental income. The right approach depends on your personal situation and objectives.
Understanding how it works before making any decisions can help you plan more effectively.
Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876
Mortgage is a loan secured against your home . Your home may be repossessed if you do not keep up repayments on you mortgage or any other debt secured on it.
Authorised and regulated by the Financial Conduct Authority 313934
This post is for information only and does not constitute financial advice. Mortgage approval is subject to lender criteria and affordability

05/05/2026

Considering BTL? Start here
Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876

Mortgage is a loan secured against your home . Your home may be repossessed if you do not keep up repayments on you mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice. Mortgage approval is subject to lender criteria and affordability

On a visa? ✔️Mortgage options may still be available, subject to criteria.Ready to begin your journey today? Send us a m...
30/04/2026

On a visa? ✔️
Mortgage options may still be available, subject to criteria.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876
Mortgage is a loan secured against your home . Your home may be repossessed if you do not keep up repayments on you mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice. Mortgage approval is subject to lender criteria and affordability

The Renters’ Rights Act 2026 introduces significant changes to the private rental sector in England, aiming to improve s...
28/04/2026

The Renters’ Rights Act 2026 introduces significant changes to the private rental sector in England, aiming to improve security, transparency, and fairness for tenants.
This summary highlights key updates landlords and property investors should be aware of, including changes to tenancy structures, possession grounds, and rent regulations.
Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [email protected]
🌐 www.principals.biz
📞 02081 878 876

Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice. Mortgage approval is subject to lender criteria and affordability

Rental income may be considered by some lenders, subject to affordability checks and individual criteria.Ready to begin ...
24/04/2026

Rental income may be considered by some lenders, subject to affordability checks and individual criteria.

Ready to begin your journey today? Send us a message and we will guide you through each step.
📧 [[email protected]](mailto:[email protected])

🌐 [www.principals.biz](http://www.principals.biz)

📞 02081 878 876

*Mortgage is a loan secured against your home. Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.*

Authorised and regulated by the Financial Conduct Authority 313934

This post is for information only and does not constitute financial advice. Mortgage approval is subject to lender criteria and affordability

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Principals Keepers Cottage, Orpington By-Pass
Sevenoaks
TN147AG

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