In recent years, with interest rates and stock market returns both being low, investors noticed that their home was their highest performing asset and this has lead to further property investment, such as:

• Buy-to-let – offering both the potential for capital appreciation and rental income.*
• Let-to-Buy –for use when not able to sell your own home.*
• Single units or office, retail, leisure and light industrial premises purchases.
• Business finance, building, extending or improving your premises.
• Refinancing to improve the terms of your existing finance.
• Releasing equity locked up in your property.

* These types of investment carry a greater degree of risk because not only are you taking on more debt; if you can't obtain the required rent or the tenants don't pay up you are still liable for the mortgage payments and you would probably incur hefty legal fees. Additionally, property performance generally follows a different cycle than most other investments meaning that the asset is less liquid and therefore may not be easily realisable.

For further details, talk to one of our qualified independent mortgage advisers.

* The Financial Services Authority do not regulate all forms of mortgages.

Your business, the assests of your business, or even your family home may be at risk if you do not keep up repayments on your mortgage.

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Your business, business assets or even your family home may be at risk if you do not keep up repayments on your mortgage.