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  • Product | Mortgages for Business
    Commercial mortgages Rates fees How to apply Business mortgages Commercial investment mortgages Non Residential Stamp Duty Calculator Property Development Finance Property development finance Rates Loans Fees How to apply Refurbishment finance Bridging short term finance Bridging short term finance Bridging loans Refurbishment finance Auction Finance Residential mortgages Residential mortgages Rates Loans Fees How to apply Types of mortgage Residential Stamp Duty Calculator Research Case Studies Complex Buy to Let Index Buy to Let Mortgage Product Index Buy to Let Mortgage Costs Index Limited Company Buy to Let Index Property Investor Survey Money Markets FAQs FirstRate MFB TV Helping brokers with Buy to let mortgages Commercial mortgages Property development finance Bridging short term finance Case processing BrokerBusiness Case Studies Consulting Buy to Let Lending Mortgage Flow Published Research News Insight Buy to let mortgages Commercial Mortgages Property Development Finance Bridging Short Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share Product List Product Details 4 29 Fixed Rate Type Fixed Initial Rate 4 29 Overall Cost For Comparison APR 5 3 Initial Period 3 year term Reversion Rate 5 09 LIBOR 4 50 Purchase Remortgage Purchase and remortgage Max LTV 75 Min Max Loan Amount 750 000 Min Max Mortgage Term 5 to 25 years Min Max Age From 21 years to 85 years old Income Required We have no minimum salary requirement data Repayment Options Interest only or repayment Rent to Interest Cover 125 at 5 25 Acceptable property locations Early Repayment Charges 5 of the amount being repaid for the first year then 4 until the end of year 2 then 3 until the end of year 3 from drawdown Can overpay up to 10 pa without penalty Arrangement Fee 2 0 due on completion Broker Fee A broker

    Original URL path: http://mortgagesforbusiness.co.uk/product/35874 (2016-02-16)
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  • Product | Mortgages for Business
    How to apply Business mortgages Commercial investment mortgages Non Residential Stamp Duty Calculator Property Development Finance Property development finance Rates Loans Fees How to apply Refurbishment finance Bridging short term finance Bridging short term finance Bridging loans Refurbishment finance Auction Finance Residential mortgages Residential mortgages Rates Loans Fees How to apply Types of mortgage Residential Stamp Duty Calculator Research Case Studies Complex Buy to Let Index Buy to Let Mortgage Product Index Buy to Let Mortgage Costs Index Limited Company Buy to Let Index Property Investor Survey Money Markets FAQs FirstRate MFB TV Helping brokers with Buy to let mortgages Commercial mortgages Property development finance Bridging short term finance Case processing BrokerBusiness Case Studies Consulting Buy to Let Lending Mortgage Flow Published Research News Insight Buy to let mortgages Commercial Mortgages Property Development Finance Bridging Short Term Finance Residential Mortgages About Meet the team Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share Product List Product Details 4 79 Fixed Rate Type Fixed Initial Rate 4 79 Overall Cost For Comparison APR 5 3 Initial Period 5 year term Reversion Rate 5 09 LIBOR 4 50 Purchase Remortgage Purchase and remortgage Max LTV 75 Min Max Loan Amount 750 000 Min Max Mortgage Term 5 to 25 years Min Max Age From 21 years to 85 years old Income Required We have no minimum salary requirement data Repayment Options Interest only or repayment Rent to Interest Cover 125 at 4 79 Acceptable property locations Early Repayment Charges 5 of the amount being repaid for the first year then 4 until the end of year 2 then 3 until the end of year 3 then 2 until the end of year 5 from drawdown Can overpay up to 10 pa without penalty Arrangement Fee 2 0 due on completion

    Original URL path: http://mortgagesforbusiness.co.uk/product/35878 (2016-02-16)
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  • Buy to let case studies | Mortgages for Business
    investment SPV raise capital on unencumbered freehold block of 12 flats 25 08 2015 How we helped a full time landlord raise funds on 12 flat multi unit Refinance of freehold flat for SPV to fund further investment 20 08 2015 How we helped a broker source funding for an experienced landlord refinancing a flat through their SPV limited company Landlord with multiple income remortgages small flat over commercial property 13 08 2015 A broker approached us for finance on behalf of his landlord client who was looking to remortgage a small flat to repay an existing loan Non homeowner raises capital on unencumbered property for further investments 13 08 2015 A broker approached us for finance on behalf of his landlord client who was in his late 70 s who was looking to raise capital against one of his BTL properties Capital raise on unencumbered property through newly trading SPV 13 08 2015 A broker approached us for help in raising funds for his experienced landlord client who was looking to raise capital on his unencumbered property for further investment SPV purchases leasehold flat where freehold is owned by related party 22 07 2015 How we helped two brothers purchase a self contained flat within a freehold block via new SPV Ltd Co 80 LTV on BTL purchase for landlord with 30 rental properties 22 07 2015 How we helped a longstanding client gain a high LTV mortgage on a buy to let property Trading company refinances multi unit complex 22 07 2015 How we helped directors release capital from 5 units under one freehold title Refinance of two houses for newly trading Ltd Company 21 07 2015 How we helped a broker find a lender happy for a trading Ltd Company to refinance two properties in order to repay development loan SPV refinance for portfolio landlord with 80 BTLs 21 07 2015 How we helped place a remortgage deal for a broker on a buy to let flat through a SPV limited company 68 year old landlord remortgages through SPV Ltd Co 20 07 2015 How we helped a landlord aged 68 remortgage a buy to let property on a 10 year term by finding a lender happy to lend up to 85 years of age Non homeowning couple refinance BTL in SPV Ltd Co 20 07 2015 How we helped a couple one of which was aged 71 refinance a BTL property in SPV Ltd Co to raise capital for further property investment Landlord releases equity to fund residential purchase 17 07 2015 How we helped a landlord with a low income release equity to raise a deposit for a residential property purchase Bridging loan then remortgage 2 months later with same lender 16 07 2015 How we helped a client gain a mortgage on a buy to let property in a non lettable condition Director of SPV raises finance against multi unit to repay director s loan 15 07 2015 How we helped a client with income made up of just rent and pension raise finance against his multi unit Inexperienced landlord purchases his first multi unit property 17 06 2015 How we helped a landlord with no previous experience with multi units purchase a multi unit property Refinance on recently refurbished apartment 17 06 2015 How we helped a client who had been previously declined by a lender complete a BTL mortgage for a refurbished apartment BTL remortgage for low earning non home owning landlord 17 06 2015 How we helped obtain a BTL remortgage for a client with a low income and didn t own a residential home Refinance for inexperienced HMO landlords requiring 85 LTV 17 06 2015 How we helped inexperienced landlords refinance a property on a high LTV Mortgage for first time landlord in just under a month 17 06 2015 How we helped complete a mortgage application within one month for first time landlord Refinance of block of flats for new SPV Ltd Co 17 06 2015 How we helped a client refinance a block of flats for a SPV Ltd Co Equity release on home with no monthly payments for rental refurb 17 06 2015 How we helped a client obtain the funds to complete a refurbishment on a buy to let property through equity release and no monthly payments Experienced landlord remortgages two 5 bed HMOs 03 06 2015 How we helped a broker place a case for his experienced landlord client who was looking to remortgage two of his HMO properties First time landlord raises finance to buy out brother 21 05 2015 How we helped a client raise finance on an inherited property to buy out his brother Trust remortgages buy to let property to raise capital 21 05 2015 How we helped a broker place a complex deal for his clients who were looking to borrow through a trust Remo for ex pat on flat to raise capital for portfolio expansion 20 05 2015 How we helped a broker place a deal on behalf of his ex pat client Ex pat becomes first time landlord 18 05 2015 How we helped a broker place a deal for an ex pat looking to buy their first property Full time landlord with hard to prove income raises capital on London flat 13 05 2015 How we helped a full time landlord raise finance on a 2 bed rental flat to expand his portfolio Ex pat directors of SPV Ltd Co refinance to expand portfolio 13 05 2015 How we helped ex pat directors refinance to expand their property portfolio Landlord purchases high value low rent property 13 05 2015 How we helped a full time landlord source a 75 loan to value mortgage on a case that would not meet the rent to interest calculation of most lenders Ltd Co with 72 year old director refinances flat leased to housing association 13 05 2015 How we helped London based property rental company who wanted to raise capital

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/buy-to-let-mortgages/ (2016-02-16)
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  • Jeni Browne | Mortgages for Business
    21 month high for residential mortgage fees while buy to let fees remain steady 10 02 2016 A competitive mortgage market has resulted in an explosion in the number of new products with 4 500 residential mortgages and 1 000 buy to let mortgages for borrowers to choose from Kent Reliance revises buy to let lending criteria 09 02 2016 Kent Reliance for Intermediaries has revised its buy to let lending criteria and will now make assessments about required minimum rental income and maximum loan amounts based on the experience of the landlord and the type of transaction Top 10 Best Buy to Let Mortgages 09 02 2016 Jeni Browne Head of Regulated and Buy to Let Lending hand picks her favourite rates taking into account the differing needs of landlords and property investors Top 10 Best Buy to Let Mortgages for Limited Companies 09 02 2016 Jeni Browne Head of Regulated and Buy to Let Lending hand picks her top 10 buy to let mortgage rates for Limited Companies Landlords take government to court over Alice in Wonderland tax grab 02 02 2016 The legal campaign to fight the punitive tax relief changes for buy to let landlords has reached the next stage Support for buy to let borrowers as banks revise policy criteria 26 01 2016 Major high street banks Santander Barclays and NatWest Bank have all announced changes in policy criteria with the aim to further support first time buyers and customers looking to invest in buy to let property A positive perspective post April 26 01 2016 The last few months have seen a fair bit of bad news for landlords Jeni Browne explains why buy to lets are still a good investment Diary of a Buy to Let Purchase Part 10 The silence is deafening 25 01 2016 Well it s all gone a bit quiet on the old buy to let purchase January sees UK lenders launch raft of new and revised products 25 01 2016 A highly competitive market and changes in taxation policies prompt Shawbrook Bank Precise Mortgages and Coventry for intermediaries to launch revised mortgage offerings Annual gross mortgage lending at highest since 2008 21 01 2016 Gross mortgage lending is estimated to have risen by 8 in 2015 while house purchase lending saw an 18 year on year increase in November according to the latest market commentary from the Council of Mortgage Lenders CML Self cert mortgages available as new lender opens its doors 19 01 2016 Previously banned self cert mortgages will now be available in the UK once more following the launch of a new lender Diary of a Buy to Let Purchase Part 9 Join me in a buy to let fist pump 12 01 2016 I have a bank account I repeat I HAVE A BANK ACCOUNT And AND A MORTGAGE OFFER Changes in tax regime prompt lenders to revise buy to let offerings 11 01 2016 TSB and Aldermore are revising their buy to let offerings ahead of the recent government changes that are due to effect buy to let investors as from 1st April 2016 Landlords raise 50k via crowdfunding campaign to fight Government s buy to let tax changes 05 01 2016 The Government faces a legal challenge as two landlords looking to fight increase in taxes on buy to let investments raise over 50 000 in less than ten days via a crowdfunding platform Diary of a Buy to Let Purchase Part 8 The Method Behind the Madness 29 12 2015 As I was eating my 173rd mince pie of the festive season a very merry Christmas to you all hope you got something nice I got fatter I realised that I have neglected to mention what I am actually buying I guess you know it s a property but what type exactly and why Diary of a Buy to Let Purchase Part 7 Reality bites 21 12 2015 Clearly rested and rejuvenated from my Center Parcs Break anyone who has done this type of thing with children knows you come back needing a holiday A real one With cocktails and sun And NO kids today I have been tackling my new venture with aplomb Diary of a Buy to Let Purchase Part 6 Business bank account interview or Center Parcs 17 12 2015 I m guessing you know the answer to that small conundrum Overall purchase approvals rise while lending to small deposit borrowers remains static 11 12 2015 Overall house purchase approvals rose to 70 511 in November making it the highest monthly total seen since August this year while lending to small deposit borrowers saw no improvement new research shows Diary of a Buy to Let Purchase Part 5 bank account 11 12 2015 Game on My buyer has instructed his solicitor hoorah Mortgage lending rose by 11pc in Q3 09 12 2015 New statistics from the Bank of England BoE and Financial Conduct Authority FCA reveal that mortgage advances increased by 11 year on year in the third quarter of 2015 Borrowing through a newly set up limited company 09 12 2015 Jeni Browne head of residential and buy to let lending at Mortgages for Business answers one of the questions we are asked regularly at the moment Can I borrow through a newly set up limited company Diary of a Buy to Let Purchase Part 4 Call off the dogs 08 12 2015 My mortgage has been agreed in principle Diary of a Buy to Let Purchase Part 3 The demise of Nathaniel Pig 07 12 2015 So today it was bank account day The last time I opened a bank account was with NatWest Diary of a Buy to Let Purchase Part 2 I ve made 800 already and I haven t got the mortgage yet 04 12 2015 The aim of today was to submit the buy to let mortgage application and sort out the business bank account this didn t go to plan Diary of a Buy to Let Purchase Part 1 It was that or a Range Rover 02 12 2015 As a broker I have been working with landlords for over 15 years and have finally decided spurred on by the stamp duty bombshell from last week to acquire my first buy to let NatWest raises loan to income cap on loans under 85 LTV 25 11 2015 Just six weeks after cutting them NatWest Intermediary Solutions has increased its maximum loan to income LTI caps on residential loans under 85 LTV Buy to let lending booms at Paragon 24 11 2015 Paragon Mortgages parent company Paragon Group has reported a 10 2 rise in profits with buy to let lending doubling in the year to 30 September 2015 Hidden fees a thing of the past as lenders agree to simplify jargon 23 11 2015 House buyers could save thousands as a new tariff of mortgage charges is launched introducing a standard format for how lenders communicate fees Virgin Money and Precise unveil exclusive buy to let mortgages 19 11 2015 In the run up to Christmas both Virgin Money and Precise Mortgages will be offering special deals on their buy to let mortgage ranges New buy to let rates launched by Coventry and Metro Bank 18 11 2015 Coventry for Intermediaries has launched its lowest ever buy to let mortgage rate while Metro Bank introduces a range for portfolios Foundation Home Loans moves into limited company buy to let mortgages 17 11 2015 After a successful trial period Foundation Home Loans has rolled out a range of buy to let mortgages for SPV limited companies Policy changes to affordable housing and buy to let impact land market 13 11 2015 New research shows that many policy changes have already had an effect on the housebuilding sector with experts advising that the full scale of the impact on some sectors is not yet clear Setting up an SPV Limited Company 11 11 2015 Buy to let lenders which offer mortgages to limited companies usually require the limited company to be an SPV Special Purpose Vehicle Jeni explains what one is and how to get one Buy to let sales up by 54 25 09 2015 Latest research from Equifax Touchstone reveals that buy to let sales have risen by 54 1 when compared to the corresponding month last year reaching 3 31bn Aldermore expands bridging offering 17 09 2015 Aldermore has loosened its bridging loan offering by reducing its minimum valuation for light refurbishment down to 75 000 from 100 000 Aldermore improves let to buy lending criteria 10 09 2015 Aldermore Mortgages has announced the latest changes to its let to buy criteria enabling home owners to purchase a new owner occupied property while retaining their original home as a buy to let 78 of home owners on variable rate mortgages fail to budget for rate rise 08 09 2015 Despite anticipating a rate rise in the next 12 months the majority of variable rate borrowers are not budgeting for an increase in their mortgage payments a survey revealed this week How Private Rental Property Licences affect landlords applying for a buy to let mortgage 27 07 2015 Formerly known as Selective Licensing landlords have expressed concern that lenders might treat them differently when it comes to applying for a buy to let mortgage FAQs on buy to let mortgages for limited companies 14 07 2015 The proposed changes to buy to let mortgage interest relief on personal borrowing in George Osborne s Summer Budget 2015 has sparked a flurry of questions about property investors switching to borrowing in via a corporate vehicle Scotland offers some of the best buy to let returns 26 06 2015 Parts of Scotland experienced record levels of rental growth in May boosting the returns on offer for buy to let landlords Should landlords sacrifice buy to let tax breaks 22 06 2015 Debates over whether buy to let landlords should still benefit from tax breaks which accounted for 14 billion in 2013 continue in the face of austerity House purchase lending experienced 16 per cent monthly growth in March 17 06 2015 Recent figures from the Council of Mortgage Lenders CML show Q1 experienced considerable growth in house purchase lending with a 16 per cent rise month on month in March Four in five tenants satisfied with current landlords 15 06 2015 The vast majority of tenants are satisfied with their current landlords according to new research from Paragon Mortgages Attention shifts to buy to let markets 11 06 2015 The buy to let sector is growing on both an annual and monthly basis while first time buyer activity is slowing new research shows Aldermore slashes two year buy to let deals 09 06 2015 Aldermore has cut its two year fixed rate mortgage deals by up to 30 basis points making a 75 per cent loan to value mortgage available at 4 18 per cent 49 per cent of students think renting is good value 05 06 2015 Buy to let landlords investing in student properties could stand to make consistent returns as student tenants remain positive about renting London returns are high but buy to let future is heading north 02 06 2015 London landlords gained the most from rental properties in the last year but those looking to start buy to let investments should turn their attentions northwards a new study claims Rent arrears cause landlords the most stress 26 05 2015 Rental arrears are the main stressor for 87 per cent of British landlords closely followed by tenant complaints and property repairs Buy to let mortgage arrears down in Q1 21 05 2015 UK landlords are better off financially as total mortgage arrears and repossessions are down in the first three months of the year Landlords vulnerable to potential buy to let mortgage rate rises 11 05 2015 Negative cash flow could be experienced by landlords in seven out of 10 UK regions if mortgage rates increased by even modest amounts April sees buy to let mortgage market consolidated 07 05 2015 The number of buy to let mortgage products available in the UK fell by more than a quarter in April the latest Buy to Let Product Index shows Commuter regions offer strong potential for buy to let 06 05 2015 Proximity to good transport links and amenities continue to push up rental prices in areas outside the capital giving landlords more investment options Important costs for buy to let landlords to consider 30 04 2015 As research reveals many landlords underestimate the cost of buy to let we outline the main factors that must be taken into account Index reveals strong growth in rents and returns for buy to let 28 04 2015 Landlords in England and Wales now enjoy total annual returns of 12 2 per cent or 21 078 as the buy to let sector thrives Property investors enjoy increased rents for newly let properties 21 04 2015 Newly let properties achieved 4 5 per cent higher rents in Q1 2015 equivalent to 894 per month according to research Gross buy to let lending up 11 per cent annually 15 04 2015 The number of buy to let loans in February increased by 11 per cent on a year ago to be worth a total value of 2 2 billion Competitive lending options for full time landlords with larger portfolios 14 04 2015 Jeni Browne Head of Residential and Buy to Let Lending blogs on why Axis Bank have gone from zero to hero in just five working days English and Welsh rents rise at fastest rate since May 2013 20 03 2015 The latest buy to let index from Your Move and Reeds Rains confirms strength of residential rents which grew 3 1 per cent year on year Cutting interest rates would be extremely foolish Carney issues stark warning 12 03 2015 The Bank of England Governor has warned against slashing interest rates as a remedy to putting a stop to record low inflation Bank of England record strong end of year results for buy to let 10 03 2015 Official figures for 2014 s Q4 show an increase in the quantity and value of buy to let mortgages across Britain Two fifths of British landlords own more than one property 27 02 2015 UK landlords are continuing to expand their portfolios amidst a thriving property market with 43 per cent owning multiple homes House price growth extends to UK s North 23 02 2015 Northern areas of the UK are the latest cities to experience house price recovery with values up 7 9 per cent Student accommodation provides lucrative opportunity to British landlords 19 02 2015 UK landlords who rent to university students are performing well in a competitive market with 70 per cent letting all of their properties in the 2014 2015 academic year Landlords benefit from rising property prices 16 02 2015 Buy to let landlords enjoy stronger property investments as UK house prices are up for the beginning of the year according to Home co uk and Rightmove Better competition for landlords as buy to let rates are at their lowest ever 11 02 2015 More deals and lower rates in the thriving buy to let market have reintroduced competition to benefit landlords UK property market will remain strong regardless of election outcome 06 02 2015 New research claims the economy is the biggest influence on the UK property market with the upcoming general election unlikely to have much impact UK Government gives Bank of England new mortgage powers 03 02 2015 In official legislation published 02 February the Bank of England BoE has been given greater control of residential mortgages excluding buy to let products House price inflation continues to slow 30 01 2015 Annual house price growth in the UK has slowed to 6 8 per cent this month as the industry begins to level out London s rental market will outperform property sales in 2015 28 01 2015 The number of homes purchased in the Capital is expected to drop over the course of the coming year while the amount of new lettings soars an industry report has claimed Government confirms Mortgage Credit Directive legislation 26 01 2015 The government has confirmed legislation relating to mortgage lending is being incorporated into UK law following a consultation period Latest report suggests house prices are steadying as regional differences contract 23 01 2015 City house prices in the UK underwent small increases during December 2014 as growth hits a comfortable plateau a new report has claimed Tenant arrears dropped over the last year 20 01 2015 The latest index report has revealed that tenant arrear averages reduced during 2014 continuing an annual trend Latest data shows buy to let market grew in November 16 01 2015 Lending to landlords has increased more than any other borrower group according to new figures Profits for buy to let landlords totals 177 billion 12 01 2015 Buy to let landlords have been one of the biggest beneficiaries of the property market in recent years making 177 billion in capital gains alone Extent of buy to let investment highlighted by 21 9 billion repayments 08 01 2015 Research released by the UK s top landlord association shows mortgage repayments over the last year totalled a combined cost of 21 9 billion highlighting the significant investments made in the property industry Buy to let investors pushed to concentrate on UK 06 01 2015 Investors are advised to focus on UK regions despite potential growth in overseas hotspots Pension changes boost buy to let market 31 12 2014 One third of retirees could become silver landlords as pension changes increase interest in the buy to let market research has revealed Investors from London buying northern properties 23 12 2014 London rental investors are purchasing more and more buy to let properties in northern England 10 per cent

    Original URL path: http://mortgagesforbusiness.co.uk/about/meet-the-team/consultant-mortgage-brokers/jeni-browne/ (2016-02-16)
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  • Steve Olejnik Sales Director | Mortgages for Business
    by as much as 62 per cent in the next 12 months HSBC lists UK s buy to let hotspots 03 06 2015 Following research into UK property HSBC has produced a list of buy to let hotspots offering higher yields and greater potential for demand London property market suffers from low housing supply 28 05 2015 Landlords and house buyers may be better off investing in properties outside the capital as low housing supply holds back the London market Paragon Mortgages reveals strong 2015 growth 19 05 2015 Paragon Mortgages parent company has unveiled solid growth for the period ending 31 March 2015 with underlying profits up by ten per cent Low entry costs drive buy to let activity in the North 15 05 2015 Data analysis by Savills shows low entry costs have put Northern cities on UK s list of top ten buy to let hotspots LendInvest outlines plans to enter buy to let market 13 05 2015 Peer to peer bridging lender LendInvest has unveiled plans to enter the buy to let sector in the next year Long term renting could be reality for Brits as home purchases require double the average salary 08 05 2015 Brits looking to join the property ladder could be in for a long wait as average salaries of 41 000 are needed to buy a home House building pledges in the Conservative Party manifesto 05 05 2015 All of the main political parties recognise that Britain is suffering from a severe shortage of housing and most developers are chomping at the bit to get building but will they be supported by whichever political party ies wins the forthcoming General Election House building pledges in the UKIP Party manifesto 05 05 2015 A common thread among all the main political parties is that housing is in short supply and not enough of it is affordable Like the other parties UKIP pledges to redress the shortage House building pledges in the Green Party manifesto 05 05 2015 Houses and flats are now sites of speculation rather than simply somewhere to call home The Green Party wants Britain to return housing to its original purpose providing everyone with affordable and sustainable shelter Here s what its manifesto says with regard to house building House building pledges in the Labour Party manifesto 05 05 2015 The Labour Party manifesto says that insufficient houses are being built young people have been priced out of home ownership and homelessness is rising Here s how Labour plans to overcome these issues House building pledges in the LibDem Party manifesto 05 05 2015 The Liberal Democrats want to speed up house building and stop house prices from slipping further away from the reach of families Here s how their manifesto says this will be achieved Buy to let mortgage deposits could prove hurdle for silver landlords 05 05 2015 While more than half of retirees would consider buy to let investments to boost their income high deposits of nearly 43 000 could prove a difficult challenge to overcome Landlord confidence soars as buy to let mortgage repayments reduce 29 04 2015 More than one fifth of British landlords enjoyed cheaper mortgage repayments over the past year while 18 per cent expanded their property portfolio in response to growing market confidence London landlords enjoy 27 4pc higher rents than five years ago 27 04 2015 Rents in the capital are considerably higher now than before the last General Election providing landlords with more opportunity for profit Commercial property investment hit record high in Q1 27 04 2015 With 13 6 billion invested into commercial properties in the UK during the first three months of the year this section of the industry promises strong performance for prospective property investors More than half of over 40s consider buy to let in retirement 17 04 2015 More than half of retirement savers are considering buy to let options in retirement according to new research from Kensington Buy to let landlords earn 1 400 per cent returns on investment 13 04 2015 Since 1996 the average value of a 1 000 buy to let investment is now 14 987 representing a massive 1 400 per cent rate of return Buy to let market prepares for greater regulation and monitoring 09 04 2015 Both the Bank of England and Council of Mortgage Lenders CML have announced stricter monitoring and codes of practice for landlords as the buy to let market continues to thrive Better tracking of buy to let returns needed from landlords 07 04 2015 A staggering 23 per cent of British landlords fail to monitor their buy to let returns leaving 300 billion untracked Report showcases diversity of rental sector 01 04 2015 Recent research has showcased how the private rental sector has changed since the early 2000s highlighting many different sub markets that now exist Void periods at lowest for 13 years 27 03 2015 UK landlords are seeing the lowest levels of void periods in their properties since 2002 the latest Paragon Mortgages survey has revealed PDR affecting development finance borrowing 25 03 2015 When looking for development finance how lenders interpret the implementation of Permitted Development Rights has thrown a spanner in the works for property developers Steve explains and looks at the current borrowing options for developers CML predicts mortgage lending will increase over coming months 24 03 2015 As gross lending falls slightly on a monthly and annual basis experts say there is no cause for concern UK countryside matches growth in city property prices 16 03 2015 House values in rural parts of the UK are rising at rates on par with urban cities research has shown Landlords reap strong returns from outer London properties 11 03 2015 Attractive mortgage rates and a thriving market have prompted buy to let investors to expand their portfolios into outer London achieving strong returns as a result NLA supports government changes to landlord licensing 09 03 2015 The National

    Original URL path: http://mortgagesforbusiness.co.uk/about/meet-the-team/senior-management-team/steve-olejnik/ (2016-02-16)
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  • Chris Longhurst | Mortgages for Business
    for finance in a limited company capacity Experience Prior to joining Mortgages for Business Chris held a number of customer focused senior management roles within NatWest in a career stretching nearly three decades In particular he spent many years as a personal banking manager looking after high net worth clients Chris holds certificates in Business Banking and Conduct CertBB C Money Laundering Prevention and Continuing Professional Development CPD with the National Association of Finance Brokers NACFB Likes Golf Dislikes Being wrong Buy to let Mortgages Commercial Mortgages Property Development Finance Bridging Short term Finance Case Studies See all Case Studies Bridging loan for developer refurbishing extending 2 bed house 26 01 2016 How we helped a property developer obtain a bridging loan to purchase property refurbish and sell on Selling personally owned rental property to your SPV Ltd Co 15 01 2016 How we helped a father and son sell personally owned buy to let property to SPV Limited Company Landlord changes standard rental property into licensed student HMO 15 12 2015 How we helped a client improve his mortgage rate while he transferred a standard property into a HMO Short term finance to pay off mortgage on HMO 06 10 2015 How we helped an experienced landlord and property developer repay a mortgage because the term was about to expire Landlord raises capital with no monthly repayments 09 09 2015 How we helped a landlord release equity from a rental property without disturbing the existing mortgage Trading company refinances multi unit complex 22 07 2015 How we helped directors release capital from 5 units under one freehold title Auction finance for purchase of un modernised London terrace 17 06 2015 How we helped a client purchase a property via auction by using a short term loan Full time landlord with hard to prove income raises capital on London flat 13 05 2015 How we helped a full time landlord raise finance on a 2 bed rental flat to expand his portfolio Refinance to raise capital for further property investment 04 03 2015 How we helped an experienced investor refinance one of his existing buy to lets to raise funds for the renovation of a recently acquired property Refinance of refurbished ex LA flat within 6 months of purchase 06 01 2015 Experienced property investor refinances flat within six months of purchase to secure a buy to let mortgage to replace bridging loan Remortgage for HMO within 6 months of purchase 10 11 2014 Most lender s will not allow landlords to refinance within a short time frame so here s how we could help Bridging loan for property purchased at auction 10 09 2014 How we helped an investor purchase a flat at auction and complete the transaction in just 15 days Purchase of low value holiday flats 13 05 2014 Husband and wife look to add second holiday home but face issues with the multi unit nature of the property Buy to let purchase from a family member

    Original URL path: http://mortgagesforbusiness.co.uk/about/meet-the-team/consultant-mortgage-brokers/chris-longhurst/ (2016-02-16)
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  • Gavin Elley | Mortgages for Business
    while back Gavin s first career was in the chemical industry After a few years he changed tack and joined the Britannia Building Society where he quickly rose through the ranks Noted for his ability to meet his business customers expectations he was twice nominated for a national customer service award From Britannia he moved to Chase de Vere Investments where in addition to managing his own clients he set up the broker training and development programme for sister company London Country Mortgages His relevant professional qualifications include the Financial Planning Certificate FPC Certificate of Mortgage Advice and Practice CeMAP Certificate in Money Laundering Prevention and Certificate of Business Banking and Conduct CertBB C which he passed with distinction Testimonial Mel many thanks to you and Gavin for all your help over the last few months everything has been progressed very efficiently and you ve always responded promptly which is greatly appreciated MW Shropshire Gavin Thank you for all help with our new business and all the best for the New Year Cheers M M Oak House Homes Likes Music currently studying for grade 5 piano Dislikes Noise Buy to let Mortgages Property Development Finance Bridging Short term Finance Residential Mortgages Case Studies See all Case Studies Refinance of house converted to 5 flats by inexperienced landlords using SPV 21 01 2016 How we helped inexperienced landlords refinance their first buy to let property to release funds for further investments Bridging loan for landlords to purchase and develop ex LHA house 21 12 2015 How we helped experienced property developers purchase an ex LHA house to renovate and sell on Couple with 50 rental properties raise capital on unencumbered house 15 12 2015 How we helped raise capital for clients with an extensive portfolio and receives income from a pension Part time landlord uses product transfer to get better rate and release equity 22 09 2015 How we helped a part time landlord transfer onto a better rate to release equity for further property investments without switching lender Part time landlords purchase HMO through SPV with 85 LTV 09 09 2015 How we helped a couple finance the purchase of an HMO with a deposit of only 15 Non homeowning couple refinance BTL in SPV Ltd Co 20 07 2015 How we helped a couple one of which was aged 71 refinance a BTL property in SPV Ltd Co to raise capital for further property investment Refinance for inexperienced HMO landlords requiring 85 LTV 17 06 2015 How we helped inexperienced landlords refinance a property on a high LTV Ex pat refinances London flat to raise capital 13 05 2015 How we helped an ex pat who has been living in the Far East raise capital against a property in London to fund further UK buy to let purchases Second charge mortgage to raise finance for further property investment 01 04 2015 How we helped a married couple raise finance against their current buy to let property to provide a

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  • Paul Martins | Mortgages for Business
    any new information or documents are needed in order to progress the transactions quickly Above all Paul has done this in a professional but friendly and pleasant manner and he has been always quick to reply to any doubts or queries I may have had up to now He has also I believe achieved very competitive interest rates for me in my four purchases to which I am extremely satisfied and grateful Derek Zierhofer Buy to let Mortgages Property Development Finance Bridging Short term Finance Residential Mortgages Case Studies See all Case Studies Landlords sell 3 bed house to their SPV limited company 11 01 2016 How we helped landlords sell their individually owned property to their SPV limited company Full time landlord remortgages and raises capital 06 01 2016 How we helped a full time landlord raise capital and remortgage onto a competitive rate Application to offer within 5 days for the remortgage of 2 rental properties 17 11 2015 How we helped a part time landlord remortgage two of his rental properties without paying any arrangement legal or valuation fees Full time landlord remortgages leasehold flat where freehold is owned by related party 23 10 2015 How we helped a full time landlord remortgage a flat with a related party owning the freehold Landlord remortgages mixed use property on interest only rate 30 09 2015 How we helped a landlord remortgage a takeaway food shop with flats above the premises on an interest only deal Full time landlords remortgage ex local authority flat 09 09 2015 Landlord releases equity to fund residential purchase 17 07 2015 How we helped a landlord with a low income release equity to raise a deposit for a residential property purchase Refinance on recently refurbished apartment 17 06 2015 How we helped a client who had been previously declined by a lender complete a BTL mortgage for a refurbished apartment Purchase of third flat in a block of four 04 03 2015 How we helped a self employed property developer expand his buy to let portfolio with the purchase of a third flat in a block of four Refinance of ex Local Authority flat to pay off bank loan 28 01 2015 How we helped an experienced investor refinance one of his rental properties in a mixed use building Raising 3 3m in 6 weeks for office to flats development 13 01 2015 Despite the tight timescale we managed to find a lender willing to provide funds to a newly formed SPV Ltd Co to buy and develop an entire site Mortgage for self employed first time buyer with only 2 years accounts 19 12 2014 Only 2 years accounts is a big no no for most lenders but there are solutions out there if you know where to look Buy to let mortgage for ex council flat in South East London 24 09 2014 A couple struggling to refinance an ex local authority flat in a block only 40 privately owned Bridging

    Original URL path: http://mortgagesforbusiness.co.uk/about/meet-the-team/consultant-mortgage-brokers/paul-martins/ (2016-02-16)
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