Caboodle Finance

⚠️ May 1st, 2026 is the date that changes everything for UK landlords. The Renters' Rights Act 2025 is bringing the biggest shake-up to the UK rental market in decades. If you own buy-to-let property, these changes will affect you – and the time to prepare is now. What's Changing? The Key Points Every Landlord Must Know ❌ Section 21 "no-fault evictions" abolished – This is the headline change affecting all tenancies 📝 All tenancies become rolling periodic agreements – No more fixed-term contracts 💰 Tenants can challenge rent increases at tribunal – New formal procedures required ⚖️ Only ONE rent increase per year allowed – Strategic planning now essential 🐕 New rules on pets – Landlords can't unreasonably refuse anymore 📊 Section 8 becomes your primary eviction route – But the grounds are changing 🏠 Changes to deposits, tenant selection & HMO licensing – Multiple compliance areas to address Is This Bad News for Landlords? H...

Let's be honest – the word "mortgage" can send a shiver down anyone's spine. Confusing terminology, endless paperwork, hidden fees, and the overwhelming feeling that you need a finance degree just to understand what's happening. Sound familiar? Here's the truth: it doesn't have to be this way. The Problem with Traditional Mortgage Advice For too long, the mortgage industry has been shrouded in complexity. Brokers throw around terms like "LTV ratios," "arrangement fees," and "early repayment charges" without stopping to explain what they actually mean for YOU and YOUR situation. The result? People feel stressed, confused, and uncertain about one of the biggest financial decisions of their lives. You're not just buying a house – you're building a home, creating stability, and investing in your future. That journey deserves clarity, not co...

Are you thinking about investing in property? Buy to Let mortgages offer an exciting opportunity to build wealth, generate passive income, and secure your financial future. Whether you're considering your first investment property or looking to expand an existing portfolio, understanding how Buy to Let mortgages work is essential. In our latest video, we break down everything you need to know about Buy to Let mortgages in simple, easy-to-understand terms. What is a Buy to Let Mortgage? A Buy to Let (BTL) mortgage is a type of loan specifically designed for people who want to purchase property to rent out to tenants, rather than live in themselves. Unlike standard residential mortgages, BTL mortgages are treated as business investments by lenders. Key Differences from Standard Mortgages Larger Deposit Requirements  Most Buy to Let mortgages require a deposit of at least 25% of the property's value, though some lenders may ask for more depending on your circumstances. Rental Inc...

There’s a mortgage myth that comes up all the time:   “It’s cheaper to go directly to a lender than to use a broker.”   It sounds sensible at first—why not “cut out the middleman”? But mortgages aren’t that simple. The  cheapest overall option  isn’t always the one you spot first on a bank’s website, and it definitely isn’t always the one you get by going direct to a single lender. At  Caboodle Finance , we help people across the UK from our base in  Birmingham (Sutton Coldfield) , and we’re  5★ rated . We also use  industry-leading technology  to search  thousands of mortgage deals  to find the best match for your circumstances. The myth: “Going direct is always cheaper” This belief usually comes from two assumptions: A lender will automatically give you their “best deal” if you apply directly A broker will always add extra cost without adding extra value In reality, your mortgage cost and eligibility depend on your circumstances—s...