web-archive-uk.com


Web directory, archive
Search web-archive-uk.com:


Find domain in archive system:
web-archive-uk.com » UK » M » MORTGAGESFORBUSINESS.CO.UK

Total: 798

Choose link from "Titles, links and description words view":

Or switch to "Titles and links view".
  • Top 10 Best Buy to Let Mortgages | Mortgages for Business
    tenants to be referred Ex LA houses Vanilla buy to let property NOT SO GOOD FOR Related transactions First time buyers landlords Trading SPV Ltd Co s Company housing association lets New builds HMOs Multi units Ex LA flats 2 2 49 2 year fixed 4 7 APR 75 LTV GET A QUOTE GOOD FOR Purchase only Free valuation Gifted deposits to be referred Students as tenants New build properties Vanilla buy to let property NOT SO GOOD FOR SPV Ltd Co s Trading Ltd Co s Related transactions Company housing association lets Multi unit HMO properties 3 3 04 5 year fixed 4 6 APR 60 LTV GET A QUOTE GOOD FOR Remortgage only Flat arrangement fee of 1 999 Gifted deposits to be referred Students as tenants to be referred Ex LA houses Vanilla buy to let property NOT SO GOOD FOR Over 75 years old at end of term loan Income under 25k pa First time buyers landlords Related transactions SPV Ltd Co s Trading Ltd Co s Company housing association lets Multi unit HMO properties Ex LA flats 4 2 29 2 year discounted 5 3 APR 75 LTV GET A QUOTE GOOD FOR Remortgage only Free legals Flat arrangement fee of 1 999 Gifted deposits to be referred ASTs Ex LA houses accepted Flats over commercial new builds to be referred Vanilla buy to let property NOT SO GOOD FOR Ex pats First time landlords buyers Related transactions SPV Ltd Co s Trading Ltd Co s Company holiday lets Ex LA flats Multi unit HMO properties 5 3 55 5 year fixed 4 6 APR 75 LTV GET A QUOTE GOOD FOR Remortgage only Flat arrangement fee of 1 999 Free legals valuation Students as tenants Ex LA houses Vanilla buy to let property NOT SO GOOD FOR Ex pats First time buyers landlords Related transactions SPV Ltd Co s Trading Ltd Co s Ex LA flats new builds to be referred Multi unit HMO properties 6 3 45 2 year fixed 5 3 APR 80 LTV GET A QUOTE GOOD FOR Purchase and remortgage Free valuation Up to 80 years at the end of the loan term Loans to 1m Company housing association lets Ex LA houses to be referred Vanilla buy to let property England Wales NOT SO GOOD FOR First time landlords buyers SPV Ltd Co s Trading Ltd Co s Gifted deposits related transactions Students as tenants Ex LA flats Multi unit HMO properties Flats over commercial 7 4 99 2 year discounted 6 8 APR 85 LTV GET A QUOTE GOOD FOR Purchase remortgage Arrangement fee 2 5 of loan amount Up to 85 years old at end of term Gifted deposit accepted No restriction on properties in the background Ex LA houses Vanilla buy to let properties Lending in England Wales NOT SO GOOD FOR First time buyers landlords SPV Ltd Co s Trading Ltd Co s Housing association lets Students as tenants Multi unit HMO properties 8 3

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2016/february-2016/top-10-best-buy-to-let-mortgages/ (2016-02-16)
    Open archived version from archive


  • Top 10 Best Buy to Let Mortgages for Limited Companies | Mortgages for Business
    QUOTE GOOD FOR Trading Ltd Co s SPV Ltd Co s LLP s Loans to 1 5m Accepts landlord selling from personal to Ltd Co Company housing association lets NOT SO GOOD FOR Only allows 50 LTV on flats outside of M25 HMOs not accepted Minimum income is higher than the norm at 35 000 Students as tenants 3 3 79 5 year fixed 4 5 APR 60 LTV GET A QUOTE GOOD FOR For SPV Ltd Co s LLP s Gifted deposits 1 arrangement fee Up to 80 years old at end of loan term Remortgage straight after purchase No maximum properties in background Multi unit properties Ex LA houses NOT SO GOOD FOR Cannot accept related transactions First time landlords Ex pats Holiday company or family lets not accepted HMOs flats over commercial 4 4 98 loan term tracker 4 3 APR 80 LTV GET A QUOTE GOOD FOR For SPV Ltd Co s Trading Ltd Co s Purchase and remortgage No minimum income requirement Up to 85 years old at end of loan term Ex LA houses flats Multi unit properties HMOs accepted Vanilla buy to let properties NOT SO GOOD FOR First time buyers landlords Cannot accept related transactions Ex pats Holiday company or family lets not accepted 5 3 69 2 year fixed 5 9 APR 75 LTV GET A QUOTE GOOD FOR For SPV Ltd Co s Gifted deposits accepted Good rate with flat fee 1 999 Up to 85 years old at the end of loan term No minimum income required Accepts landlords selling from personal to Ltd Co Ex LA houses new builds Company lets NOT SO GOOD FOR Large portfolio landlords 10 loans allowed per borrower HMOs not accepted Early remortgages not for 12 months 6 4 39 5 year fixed 5 2 APR 75 LTV GET A QUOTE GOOD FOR For SPV Ltd Co s Individuals Gifted deposits accepted Up to 85 years old at the end of loan term No minimum income required No geographical restriction England Wales Company lets ASTs Ex LA houses new builds NOT SO GOOD FOR Large portfolio landlords 10 loans allowed with lender per borrower No related transactions accepted Early remortgages not for 12 months Let to family holiday lets students as tenants not accepted 7 4 60 3 year fixed 5 5 APR 80 LTV GET A QUOTE GOOD FOR For SPV Ltd Co s and Trading Ltd Co s Up to 80 years old at end of loan term Company housing association lets Vanilla buy to let properties No geographical restriction UK NOT SO GOOD FOR Minimum income is 25 000 Related transactions Expats adverse credit 8 5 29 discounted 6 9 APR 85 LTV GET A QUOTE GOOD FOR For SPV Ltd Co s individuals Up to 85 years old at end of loan term Gifted deposits Students as tenants HMOs multi units accepted Ex LA houses No maximum properties in the background UK NOT SO GOOD FOR First time buyers

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2016/february-2016/top-10-best-buy-to-let-mortgages-for-limited-companies/ (2016-02-16)
    Open archived version from archive

  • Santander introduces new two tiered buy to let affordability tests | Mortgages for Business
    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 News Insight Santander introduces new two tiered buy to let affordability tests 08 02 16 Written by Chris Longhurst In response to the forthcoming stamp duty surcharge that comes into effect from 1st April high street bank Santander has announced that it plans to introduce a new two tiered affordability calculation for its buy to let loans As from 21 February 2016 the lender will increase the affordability rate on its buy to let loans over 60 loan to value LTV from 5 0 to 5 5 The affordability rate for loans up to and including 60 LTV will remain at 5 A spokeswoman for Santander said This change reflects our continued prudent approach to lending and affordability and is in line with current market conditions The buy to let market is undergoing significant change with the additional three per cent stamp duty on second home purchases from 1st April and the phased reduction in tax relief starting next year adding to the cost of being a landlord As a result landlords will be reviewing their business models and lenders will also be reviewing their rental cover calculations to ensure affordability assessments keep pace with the change Buy to let continues to be a strong market and key priority for

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2016/february-2016/santander-introduces-new-two-tiered-buy-to-let-affordability-tests/ (2016-02-16)
    Open archived version from archive


  • Increase in let to buy mortgages as MCD deadline looms large | Mortgages for Business
    to the fast approaching Mortgage Credit Directive MCD deadline this March Meanwhile the buy to let sector sees criteria change and new product offerings from various lenders and the Bank of England maintains Bank Rate at 0 5 Paragon Mortgages latest Financial Advisers Confidence Tracking FACT report reveals that in Q4 2015 nearly one in eight mortgage cases dealt with by brokers were let to buy The term let to buy includes loans where a customer has no other rental properties and is looking to remortgage a property they have previously lived in As a result of the regulatory developments driven by MCD many of these let to buy mortgages will now be regulated because they are captured under the regulatory definition for Consumer Buy to Let Paragons FACT report found that 12 of mortgage cases were let to buy in Q4 2015 up from 10 6 in Q3 2015 The data also revealed that for a substantial minority 10 of mortgage advisors let to buy accounted for more than 30 of business in Q4 2015 Despite this trend however 60 of respondents thought the implementation of the MCD in March would have no impact on levels of let to buy business 25 of respondents thought it would lead to less as compared to 11 who said it would lead to more On the buy to let front Aldermore has refreshed its product offering and has launched a 3 99 five year buy to let fixed rate mortgage available up to 80 loan to value LTV The mortgage is available to landlords and limited companies and can be used on purchases and remortgages of single residential units The mortgage offer carries a 2 5 completion fee At the same time Fleet Mortgages has announced the first of a series of

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2016/february-2016/increase-in-let-to-buy-mortgages-as-mcd-deadline-looms-large/ (2016-02-16)
    Open archived version from archive

  • Government policies will not halt increasing demand for rental homes | Mortgages for Business
    Our approach Awards Testimonials Careers Contact us 0845 345 6788 Share News Insight Government policies will not halt increasing demand for rental homes 04 02 16 Written by Steve Olejnik The rental market is predicted to grow by one million homes over the next five years in spite of government policies designed to clamp down on private landlords and turn generation rent into generation buy While the government has a target of building 400 000 new homes for sale over the period of this parliament global real estate agency Savills claims that the UK is still in need of 220 000 homes to rent each year In a new report Rental Britain Savills states that the supply of rental homes is set to be restricted due to new government policies The introduction of a Stamp Duty surcharge of 3 on buy to let properties and the restriction of tax relief on mortgage interest payments are likely to limit the ability of private investors to expand their portfolios The report also highlights the fact that recent economic recovery and the continuing low interest rate environment have in no way dampened the demand for rental housing Conversely house price inflation which has surpassed wage growth has pushed home ownership further out of the reach of many while rental stock in the social sector has been diminished Mismatch between supply and demand will continue to underpin rental growth and attract increasing numbers of institutional investment at scale the report states Given the restrictions which the new government policies are imposing on private investors significant opportunity has arisen for large scale investors to step into the gap which has arisen due to a fall in off plan sales to private buy to let investors In 2015 Savills recorded investment deals worth a total of 2 6 billion a third of which was supported by institutional investment Furthermore the lack of available stock is prompting an increase in deals to forward fund development for rent and investors are looking beyond London to cities with concentrations of households in the rental market Savills highlights Manchester Reading Edinburgh and Bristol as cities with the best investment potential You might also be interested in 9 07 2015 Summer Budget 2015 and the implications for landlords 9 07 2015 Summer Budget 2015 Should buy to let mortgage holders panic 27 07 2015 Buy to let from personal to limited company ownership Prior to now when asked by clients whether buy to let properties should be bought in their own names or whether they should use a limited company we have always said it all depends Well the Summer Budget 2015 has altered everything and whilst the answer is still it all depends the balance has shifted markedly in favour of limited companies 9 12 2015 Borrowing through a newly set up Limited Company Jeni answers one of the questions we are asked regularly at the moment Can I borrow through a newly set up limited company 11 11 2015

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2016/february-2016/government-policies-will-not-halt-increasing-demand-for-rental-homes/ (2016-02-16)
    Open archived version from archive

  • Intermediary only lenders Accord and Saffron bring new products to the market | Mortgages for Business
    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 News Insight Intermediary only lenders Accord and Saffron bring new products to the market 03 02 16 Written by Paul Martins Saffron for Intermediaries has launched a new selection of three year fixed mortgages and intermediary only lender Accord Mortgages expands its two year tracker offering with mortgages starting from 1 29 Saffron for Intermediaries has widened its options for contractors and self employed borrowers with a three year fixed rate mortgage at 75 loan to value LTV Its professional 75 LTV mortgage option is available at a three year fixed rate of 3 27 and penalty free overpayments of 15 per year are allowed Arrangement fees are 1 250 for self employed and contractors and 1 550 for professionals with minimum loans of 30k up to a maximum of 1m The early repayment charge across the range is 3 of the outstanding balance during the fixed rate period Anita Arch head of mortgage sales at Saffron of Intermediaries said At a time when there is growing speculation about a possible rate rise this year these fixed rates give the self employed contractors and professionals the opportunity to lock into today s low mortgage rates and benefit from the certainty they offer Intermediary only lender Accord Mortgages which is part of Yorkshire Building Society Group has also increased it offering to include a range of two year tracker products starting from 1 29 The new products on offer include a 1 29 two year tracker mortgage at 65 LTV a 1 44 two year tracker mortgage at 75 LTV a 1 54 two year tracker mortgage at

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2016/february-2016/intermediary-only-lenders-accord-and-saffron-bring-new-products-to-the-market/ (2016-02-16)
    Open archived version from archive

  • Landlords take government to court over ‘Alice in Wonderland’ tax grab | Mortgages for Business
    the punitive tax relief changes for buy to let landlords has reached the next stage The campaign led by two landlords is now set to challenge the government s Alice in Wonderland tax grab in court and has the backing of over 700 supporters Legal opinion from Cherie Blair s law firm Omnia Strategy LLP who will be acting on behalf of landlords Steve Bolton and Chris Cooper has stated that the campaign has a reasonable chance of success The case will be fronted by Cherie Blair herself along with human rights lawyer Adam Smith Anthony Following a successful fundraising campaign where 50 000 was raised in a matter of days via the crowd funding platform Crowd Justice the legal team has now issued a Pre Action Protocol letter to HMRC The letter calls for a Judicial Review of the Government s policy change announced in the Summer Budget 2015 which restricts buy to let mortgage interest tax relief from April 2017 The new policy Section 24 of the Finance Act 2015 will prevent landlords with mortgages from offsetting mortgage interest costs against rental profit before calculating tax which the landlords argue overturns a fundamental business principle where income less costs equals profit The new policy would result in some landlords who finance their business with mortgages paying tax despite making no profit on their letting business The landlords hope the legal challenge will ultimately overturn what it calls the Alice in Wonderland tax so named because of what they call its absurd nature and separation from real life Omnia Strategy LLP claims that the new policy breaches the European Convention on Human Rights and it constitutes unlawful grant of State aid to corporate landlords and to the owners of commercially let holiday homes contrary to articles of the Treaty

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2016/february-2016/landlords-take-government-to-court-over-alice-in-wonderland-tax-grab/ (2016-02-16)
    Open archived version from archive

  • Ltd Co BTL transactions rose again in January | Mortgages for Business
    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 News Insight Ltd Co BTL transactions rose again in January 02 02 16 Written by Jenny Barrett Applications made by limited companies accounted for 43 of all buy to let transactions in January analysis from broker Mortgages for Business has revealed up from 38 in December 2014 Commenting on the study David Whittaker managing director of Mortgages for Business said Landlords have woken up to the fact that transacting via a corporate vehicle is a feasible option and in many cases the most prudent route going forward I wouldn t be surprised if the percentage continues to rise as landlords especially the higher tax rate paying ones prepare for the forthcoming changes to relief on finance costs The total number of buy to let mortgage applications made by both individuals and limited companies rose by 27 in January compared to December 2015 Mr Whittaker said The increase is due to landlords trying to get as many purchases as they can completed before the stamp duty surcharge

    Original URL path: http://mortgagesforbusiness.co.uk/news-insight/2016/february-2016/ltd-co-btl-transactions-rose-again-in-january/ (2016-02-16)
    Open archived version from archive



  •  


web-archive-uk.com, 2017-12-17