Matt Wiseman, Author at The Money Hub

Holiday Let Mortgages

So what are holiday let mortgages? Holiday let mortgages are intended for people who would like to purchase a property that will be left on a short-term basis to tourists as a business. It varies from a holiday home mortgage, where you borrow money to buy a second home that only you will use. It is also distinct from a Buy to Let Mortgage, where you obtain the money to purchase a property that will be rented out on a long-term basis. What's the difference between buy-to-let and holiday-let? One great thing with a holiday let is the amount you [...]

By Matt Wiseman|2026-10-30T17:19:55+00:006 November 2019|Advice, Blog, General Interest, Holiday Let Motgages, Investments, Mortgages, Property|Comments Off

What is Mezzanine Finance?

The term Mezzanine Finance can be complicated. Mezzanine financing in commercial properties gives lenders the authority to convert debt into equity if a borrower defaults on a payment. To give you a better example of this would be, if the borrower fails to pay the debt on time, the lender then can take action by taking an amount of the investment property. They can then sell a part of it to pay off their debt owed. Mezzanine financing can be useful for both first-time commercial real estate and property investors. Seasoned investors can also enjoy the benefit of Mezzanine financing [...]

By Matt Wiseman|2026-10-30T17:19:55+00:0023 October 2019|Advice, Blog, Commercial Mortgages, General Interest, Mortgages, Property|Comments Off

What are Ex-pat Mortgages?

Ex-pat Mortgages can be challenging. Lenders will perceive you as a higher risk than other borrowers. Not to worry, though, as there are plenty of providers who you can speak with. These providers can offer a range of mortgages such as remortgaging or even buy-to-let mortgages. Buy-to-let mortgages can be challenging to get. Moreover, if you're an ex-pat, you will likely be in a high-risk category. What is different with ex-pat mortgages? An ex-pat mortgage is a mortgage for a British citizen who is currently living outside the UK. This could be a British citizen who has moved away or [...]

By Matt Wiseman|2026-10-30T17:19:56+00:0015 October 2019|Advice, Blog, Expat Mortgages, General Interest, Mortgages, Property|Comments Off

Saving Money or Paying Debt

Paying back your debt and saving money are essential financial goals. Also, you know the importance of saving or having a pension for when the time comes to retire. Focusing on the debt could mean you are not starting or paying as much into your retirement as you would like. So how do you choose the best method for distributing your money? It can be very depressing when you look at the interest rates you are currently paying on your loans and credit card statement. Also, you would like to make sure you can put money to one side for [...]

By Matt Wiseman|2026-10-30T17:19:56+00:002 October 2019|Advice, Blog, Credit Cards, Debt, General Interest, Loans, Mortgages, Savings|Comments Off

Why Serious Illness Cover is Important

If you are fortunate enough, you may never have to think about or consider serious illness coverage. You may never have even heard of the options of serious or critical illness coverage either. Or cases of a significant health emergency, such as a heart attack, cancer, or even a stroke. Critical illness insurance could be the main thing protecting you from a severe financial problem. Most people think that standard health insurance covers these things. However, the vast costs of treating a life-threatening illness are generally not included in any standard plan. Read on to find out more about serious [...]

By Matt Wiseman|2026-10-30T17:19:56+00:0025 September 2019|Advice, Blog, General Interest, Income Protection, Insurance, Life Insurance|Comments Off

Different ways of Selling your Property

If you are like a lot of people these days, your biggest asset is your property. You have worked hard for many years to save up a deposit, and then find the house you want. Afterwards, you have spent time making it your home and now comes the time you would like to sell. This time can be overwhelming, so in this guide, we will help to make the process smoother and give you all the details on the different options you will face. Selling your property is a big deal, so it is reasonable to be apprehensive about it. [...]

By Matt Wiseman|2026-10-30T17:19:56+00:0018 September 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

Ways to Increase your Property Value

Property Value - if you would like to make the most out of your property so you can sell it or rent it out, maybe you would like to make the most out of your available space and turn your property into your dream home. Whatever your plan is read on to find out our top 10 tips to increase your property value. Turn your property into flats Converting your property into flats is popular these days. In places such as London, where units are in such high demand it can often make the property easier to rent out. Converting [...]

By Matt Wiseman|2026-10-30T17:19:56+00:0011 September 2019|Advice, Blog, General Interest, Investments, Loans, Property, Secured Loans, Unsecured Loans|Comments Off

Financing your Children through University

Like all parents, you want the best for your kids. You want the best schools and the best education but these days that is becoming more of a luxury than a privilege. So, if you have aspirations of sending your child to University, the chances are that you are starting to think about how you can finance it. You are looking at tuition fees and getting concerned at how much they have risen. Here is a guide to what you can do to start preparing your finances and theirs for university life. Tuition fee loan - to cover fees and [...]

By Matt Wiseman|2026-10-30T17:19:56+00:003 September 2019|Advice, Blog, General Interest, Savings|Comments Off

CCJs – What they are and how to avoid them?

So, what are County Court Judgments (CCJs)? CCJs are court order that exists in England, Wales, and Northern Ireland. A CCJ is registered on you if you neglect to repay money for a loan or mortgage that you have signed an agreement to pay back. CCJs are also known as County Court Summons. In Scotland, a process is known as "Enforcing a debt by diligence". But not to worry a CCJ will not appear on your doorstep. Before any of the process starts, there will be a warning letter or a default notice. You will receive a warning letter beforehand [...]

By Matt Wiseman|2026-10-30T17:19:56+00:0028 August 2019|Advice, Blog, Debt, General Interest|Comments Off

Property Development and Cost Estimation Process

Cost estimation is the method of forecasting the cost of building a physical structure. Both builders and clients worry about the financial impact of cost overruns and failing to complete a project. That is why people dedicate so much time and effort to estimating. Also, how much a project will cost before deciding to go ahead with the build? Clients considering large projects often seek more than one estimate. Project owners use cost calculations to determine a project's scope, and feasibility and to allocate budgets. Contractors can then use them to decide whether to bid on a project. You prepare [...]

By Matt Wiseman|2026-10-30T17:21:38+00:0021 August 2019|Advice, Blog, General Interest, Investments, Mortgages, Property|Comments Off

About Matt Wiseman

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