Adam Hosker
@hosker.info
Business and #Mortgages by ☀️.
Tech, #PHP and #F1 by 🌛.
Tech, #PHP and #F1 by 🌛.
Pinned
Reposted by Adam Hosker
#Landlords you notice those high fee mortgage products and wonder why? You now have the answer.
Buy-to-Let Understanding High Fees
Understanding the Fees Behind Buy-to-Let Mortgages: Why They Might Not Be as Bad as They Seem
cyborg.finance
December 9, 2025 at 11:03 AM
#Landlords you notice those high fee mortgage products and wonder why? You now have the answer.
Reposted by Adam Hosker
#UKHousing Have £50k+ joint annual income? You can now borrow up to 7 times, well above the regulatory maximum of 4.5 times.
7x Income on Longer-Term Mortgages
Secure a mortgage of up to £350,000, compared to £225,000 under the standard limit.
cyborg.finance
December 8, 2025 at 1:03 PM
#UKHousing Have £50k+ joint annual income? You can now borrow up to 7 times, well above the regulatory maximum of 4.5 times.
Reposted by Adam Hosker
We coded some #Mortgage tools, just saying.
Mortgage Calculator's & Tools
We have created a list of Mortgage Tools to help you better understand the mortgage and property market.
cyborg.finance
December 8, 2025 at 11:03 AM
We coded some #Mortgage tools, just saying.
Reposted by Adam Hosker
#Landlords from First-Time-Landlords to Portfolio Landlords use us to buy and refinance.
Buy-to-Let Mortgages
The best place to find landlord financial services and information Simpler, clearer, faster
cyborg.finance
December 8, 2025 at 9:03 AM
#Landlords from First-Time-Landlords to Portfolio Landlords use us to buy and refinance.
Reposted by Adam Hosker
#FirstTimeBuyers #Homeowners Did you know Green Mortgages offer lower interest rates and other incentives?
Green Mortgage Guide
The best place to find Green Mortgages simpler, clearer, faster
cyborg.finance
December 5, 2025 at 1:03 PM
#FirstTimeBuyers #Homeowners Did you know Green Mortgages offer lower interest rates and other incentives?
Reposted by Adam Hosker
Keir Starmer has described the state of the NHS as "unforgivable". You don't have to depend solely on the NHS in the UK.
Private Medical Insurance
The best place to find Private Medial Insurance services and information Simpler, clearer, faster
cyborg.finance
December 5, 2025 at 11:03 AM
Keir Starmer has described the state of the NHS as "unforgivable". You don't have to depend solely on the NHS in the UK.
Reposted by Adam Hosker
We wrote a guide on the different types of #Mortgages its comprehensive.
A Guide to the Different Types of Mortgages
It can become confusing, but our mortgage advisers are here to help. Repayment Type
cyborg.finance
December 5, 2025 at 9:03 AM
We wrote a guide on the different types of #Mortgages its comprehensive.
Reposted by Adam Hosker
#Landlords #HMO We're no good at plastering but we are good at getting you finance to pay for a good plasterer.
Conversion to HMO Finance
The best place to find Landlord HMO Conversion Finance information Simpler, clearer, faster
cyborg.finance
December 4, 2025 at 3:03 PM
#Landlords #HMO We're no good at plastering but we are good at getting you finance to pay for a good plasterer.
Reposted by Adam Hosker
We built a #Mortgage Buy-to-Let Calculator for #Landlords to check there affordability
How much can I borrow? | Buy-to-Let Mortgage Calculator
Buy-to-Let mortgage affordability is calculated based on the rent a property achieves. The greater the rent, the higher the loan amount you can borrow.
cyborg.finance
December 4, 2025 at 1:03 PM
We built a #Mortgage Buy-to-Let Calculator for #Landlords to check there affordability
Reposted by Adam Hosker
The timeframe given for buying auction properties is much shorter than estate agents. It can be difficult to get the money together in time. Let's talk about it
Auction Finance
The best place to find Auction Finance simpler, clearer, faster
cyborg.finance
December 4, 2025 at 11:03 AM
The timeframe given for buying auction properties is much shorter than estate agents. It can be difficult to get the money together in time. Let's talk about it
Reposted by Adam Hosker
#Landlords #HMO It can depend on the layout of the property but we can certainly explore the options for Commercial Valuation in HMOs.
Can I get a Commercial HMO Valuation?
The best place to find Landlord HMO Commercial Valuation information Simpler, clearer, faster
cyborg.finance
December 4, 2025 at 9:03 AM
#Landlords #HMO It can depend on the layout of the property but we can certainly explore the options for Commercial Valuation in HMOs.
Reposted by Adam Hosker
It's all here, how to lower your mortgage payments. Maybe you shouldn't but it's an option if you need it.
How to Lower your Monthly Mortgage Payments!
Lower your monthly payments, but at what cost?
cyborg.finance
December 3, 2025 at 3:03 PM
It's all here, how to lower your mortgage payments. Maybe you shouldn't but it's an option if you need it.
Reposted by Adam Hosker
We wrote some #Mortgage guides, just saying.
Mortgage Guides
Your Guide to Mortgages
cyborg.finance
December 3, 2025 at 1:03 PM
We wrote some #Mortgage guides, just saying.
Reposted by Adam Hosker
#Landlords Want to know the in's and out's. What is Hot and what is Not with mortgage lending underwriting? Here is a start..
Buy-to-Let Criteria
Mortgage Criteria for Buy-to-Let
cyborg.finance
December 3, 2025 at 9:03 AM
#Landlords Want to know the in's and out's. What is Hot and what is Not with mortgage lending underwriting? Here is a start..
Reposted by Adam Hosker
#Landlords Yes, you can get a BTL Mortgage with just 15% deposit.
85% LTV Buy-to-Let Mortgage
The lowest deposit you can put down to buy a Buy-to-Let is 15% of the property value.
cyborg.finance
December 2, 2025 at 1:03 PM
#Landlords Yes, you can get a BTL Mortgage with just 15% deposit.
Reposted by Adam Hosker
#Landlords #SPV With benefits to taxation, better affordability tests buying your next HMO in a LTD Company is something to look at.
Limited Company HMO Mortgages
The best place to find landlord HMO Company Finance simpler, clearer, faster
cyborg.finance
December 2, 2025 at 9:03 AM
#Landlords #SPV With benefits to taxation, better affordability tests buying your next HMO in a LTD Company is something to look at.
Reposted by Adam Hosker
#Landlords The "Six Month Rule" to block "Day 1 Remortgages" is a thing of the past, well not with all lenders. Let's talk about it.
Day-1 BTL Remortgage
Often overlooked, Day One Remortgages are a rapidly growing trend in property investment.
cyborg.finance
December 1, 2025 at 1:03 PM
#Landlords The "Six Month Rule" to block "Day 1 Remortgages" is a thing of the past, well not with all lenders. Let's talk about it.
Reposted by Adam Hosker
#Landlords #HMO Experts in HMO Mortgages from Licenced to Unlicensed, with First Time Landlords or Portfolio Landlords. We're here to help.
HMO Mortgages
The best place to find landlord HMO Finance simpler, clearer, faster
cyborg.finance
December 1, 2025 at 9:03 AM
#Landlords #HMO Experts in HMO Mortgages from Licenced to Unlicensed, with First Time Landlords or Portfolio Landlords. We're here to help.
Reposted by Adam Hosker
#UKHousing First Time Buyers have no repayments for 3 months and just 5% Deposit
First Time Buyer Mortgage, Pay Nothing for 3 Months!
First Time Buyers! Pay NOTHING for 3 month. Move in, settle down, with just a 5% deposit.
cyborg.finance
November 28, 2025 at 3:03 PM
#UKHousing First Time Buyers have no repayments for 3 months and just 5% Deposit
Reposted by Adam Hosker
#UKHousing Just 5% Deposit down and No repayments for 3 months
First Time Buyer Mortgage, Pay Nothing for 3 Months!
First Time Buyers! Pay NOTHING for 3 month. Move in, settle down, with just a 5% deposit.
cyborg.finance
November 28, 2025 at 1:03 PM
#UKHousing Just 5% Deposit down and No repayments for 3 months
Reposted by Adam Hosker
#Landlords #HMO Yes, you can get a HMO Mortgage with just 15% deposit.
HMO Maximum Loan-to-Value (LTV)
HMO Mortgages are available with just 15% deposit
cyborg.finance
November 28, 2025 at 11:03 AM
#Landlords #HMO Yes, you can get a HMO Mortgage with just 15% deposit.
Reposted by Adam Hosker
#Landlords #AirBnB Its challenging finding lenders for Holiday Let Mortgages. Our expert advice can open doors for you.
Holiday Let Mortgage (AirBnB, etc)
Get a Mortgage to start your Holiday Let Business
cyborg.finance
November 28, 2025 at 9:03 AM
#Landlords #AirBnB Its challenging finding lenders for Holiday Let Mortgages. Our expert advice can open doors for you.
Reposted by Adam Hosker
#UKHousing First Time Buyers have no repayments for 3 months and just 5% Deposit
First Time Buyer Mortgage, Pay Nothing for 3 Months!
First Time Buyers! Pay NOTHING for 3 month. Move in, settle down, with just a 5% deposit.
cyborg.finance
November 27, 2025 at 3:03 PM
#UKHousing First Time Buyers have no repayments for 3 months and just 5% Deposit
Reposted by Adam Hosker
#Landlords It's an old guide but a good one. Winter eh! It's a pain.
How can Landlords prepare for Winter?
It's getting cold
cyborg.finance
November 27, 2025 at 1:03 PM
#Landlords It's an old guide but a good one. Winter eh! It's a pain.
Reposted by Adam Hosker
#Landlords #HMO Surprisingly No! You can get HMO Mortgages even as a First Time Buyer / First Time Landlord. That may not be recommended but let's talk.
Do I need experiance to be a HMO Landlord?
Experience with HMOs can be helpful for mortgages, but it may not be necessary for small HMOs.
cyborg.finance
November 27, 2025 at 11:03 AM
#Landlords #HMO Surprisingly No! You can get HMO Mortgages even as a First Time Buyer / First Time Landlord. That may not be recommended but let's talk.