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  • Full-time landlord remortgages and raises capital | Mortgages for Business
    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 Case Studies Full time landlord remortgages and raises capital 06 01 16 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a full time landlord with more than 20 years experience and a portfolio of 15 properties all owned in a SPV limited company The landlord was looking to remortgage a 4 bed semi detached house in Greater London to get a more competitive rate and raise capital After providing the client with a variety of options the landlord chose this product because of its competitive rate and flat arrangement fee The application was processed in a timely fashion with no hitches Here are the details of the deal Property value 800 000 Loan amount 400 000 LTV 50 Rate 3 55 3 year fixed Term 20 years interest only Mortgage payment 1 187 pcm Lender arrangement fee 1 499 Rental income 2 500 pcm Gross yield 3 75 pa Back

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/full-time-landlord-remortgages-and-raises-capital/ (2016-02-16)
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  • Couple with 50+ rental properties raise capital on unencumbered house | Mortgages for Business
    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 Case Studies Couple with 50 rental properties raise capital on unencumbered house 15 12 15 Buy to let Mortgages Buy to Let Mortgages Case Study Our clients are a married couple who own more than 50 rental properties in a popular Lancashire town In addition to earning income from the properties the husband also receives pension from his teaching days In order to expand their portfolio they were looking to raise capital on a three bed semi detached house which they own outright Our challenge was to find a lender which accepts landlords with large portfolios and doesn t insist on rent as the borrower s main source of income Having such a large portfolio our clients had already used up their borrowing quotas with the likes of The Mortgage Works BM Solutions and Virgin Money We approached a high street bank which is relatively new to the buy to let market Not only does the bank accept landlords with large portfolios it was offering some very competitive rates at 60 loan to value Here are the details of the product the clients chose Property value 200 000 Loan amount 120 000 LTV 60 Rate

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/couple-with-50plus-rental-properties-raise-capital-on-unencumbered-house/ (2016-02-16)
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  • Part-time landlord with small income purchases buy to let at 80% LTV | Mortgages for Business
    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 Case Studies Part time landlord with small income purchases buy to let at 80 LTV 15 12 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a part time landlord with a small property portfolio He was looking for finance to purchase a new buy to let property a semi detached 3 bed house on Merseyside The challenge for us was to find a lender that would accept the client s small income of less than 25k pa and allow him to borrow 80 loan to value Not many lenders allow this combination of factors Fortunately we were able to source a rate from one of the challenger banks which was happy to offer the following deal Property value 136 000 Loan amount 108 800 LTV 80 Rate 4 48 loan term tracker Term 25 years interest only Lender arrangement fee 3 3 264 Mortgage payment 418 pcm Rental income

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/part-time-landlord-with-small-income-purchases-buy-to-let-at-80-ltv/ (2016-02-16)
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  • Landlord changes standard rental property into licensed student HMO | Mortgages for Business
    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 Case Studies Landlord changes standard rental property into licensed student HMO 15 12 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a client who has been using Mortgages for Business for more than 15 years In this time he has built up a property portfolio of 10 rental properties The client wanted to turn one of his properties a six bed house into a HMO because the rental income was stronger The property value had increased since purchase so we were able to improve the mortgage rate and raise a significant sum of capital for further investment We approached a lender that accepts HMOs It was able to offer a rate that wouldn t increase his monthly payments greatly Here are the deal details Property value 425 000 Loan amount 265 000 LTV 63 Rate 3 34 2 year fixed Term 25 years interest only Lender arrangement fee 995 Mortgage payments 738 pcm

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/landlord-changes-standard-rental-property-into-licensed-student-hmo/ (2016-02-16)
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  • Buy to let mortgage for first-time landlord with adverse credit | Mortgages for Business
    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 Case Studies Buy to let mortgage for first time landlord with adverse credit 23 11 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a broker who was trying to find a lender that would accept an applicant with no buy to let experience and who had a poor credit record a CCJ settled in 2014 and missed payments The broker had tried a mainstream lender that accepts first time landlords but without success because the client s credit score was too low The client owns his own home almost outright and for the last 20 years a butchers which provides him with an income just shy of 25k He was looking to borrow 277 500 LTV to buy a three bed terraced house in Greater London valued at 370 000 We identified a three year term product from the Keystone Solutions Range which caters for borrowers with adverse credit and accepts first time landlords Because of the greater perceived risk factor the rate is higher than those offered by the mainstream lenders but will help the client to improve his credit rating over time as long as he doesn t encounter further difficulties At the end of the three years the client may well be in a better position to refinance onto a more competitive rate from a mainstream lender When making the initial assessment Keystone identified that the

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/buy-to-let-mortgage-for-first-time-landlord-with-adverse-credit/ (2016-02-16)
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  • SPV remortgages block of six flats to raise funds for further investment | Mortgages for Business
    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 Case Studies SPV remortgages block of six flats to raise funds for further investment 18 11 15 Buy to let Mortgages Buy to Let Mortgages Case Study A broker approached us for help in sourcing finance for his clients a married couple from Hampshire who were looking to raise capital to expand their property portfolio High net worth individuals the husband derives a healthy income from a variety of businesses he owns all connected with property and construction The wife is in full time employment In 2013 the couple set up an SPV limited company and purchased a run down block of six flats owned on a single freehold title They then spent more than six months refurbishing the property to a very high standard before letting it out to tenants The block now generates a substantial rental income in excess of 3 500 per month Now that the property is operating successfully and profitably the couple approached their broker for a remortgage in order to raise capital to fund another residential investment property The broker identified Keystone as a possible solution even though its lending criteria usually limit multi unit properties to a maximum of four units Because of the client s experience and strong financial status the credit committee

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/spv-remortgages-block-of-six-flats-to-raise-funds-for-further-investment/ (2016-02-16)
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  • Application to offer within 5 days for the remortgage of 2 rental properties | Mortgages for Business
    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 Case Studies Application to offer within 5 days for the remortgage of 2 rental properties 17 11 15 Buy to let Mortgages Buy to Let Mortgages Case Study A self employed decorator and part time landlord from outer London approached us looking to remortgage two of his three rental properties The properties in question are two identical 2 bed semi detached houses both in the same street The landlord was hoping for a quick turnaround time as he wanted to use the capital raised to purchase a new buy to let property that he had seen on the market As well as a quick turnaround time the client had requested fee free mortgages on both properties meaning he wouldn t be charged a valuation legal or arrangement fee Fortunately here at Mortgages for Business we track lender turnaround times so know who can get the case processed quickly We also have access to the whole buy to let market so are able to offer fee free mortgages We approached a lender with a good record of fast turnaround times and highlighted the need for speed in this instance The client received a formal mortgage offer within five days of submitting the application The case is now progressing smoothly and the lender anticipates that

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/application-to-offer-within-5-days-for-the-remortgage-of-2-rental-properties/ (2016-02-16)
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  • Older landlord couple remortgage HMOs to get better rate | Mortgages for Business
    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 Case Studies Older landlord couple remortgage HMOs to get better rate 28 10 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a married couple who are experienced landlords They were looking to save money and lower their monthly mortgage payments by remortgaging two HMOs which had risen in value and would allow them to borrow at 65 LTV where rates are more keenly priced The HMOs are both located in Brighton and accommodate seven students each The landlords who are both in their late sixties wanted a mortgage term of 20 years This meant that they didn t meet the criteria of some lenders which only allow borrowers up to the age of 75 at cessation of the mortgage We approached a lender which has an upper age limit of 90 and agreed the following terms thus saving the couple 1 026 per month in mortgage payments Property 1 Property value 525 000 each Loan amount 341 250 each LTV 65 Rate 3 14 Fixed for 2 years Term 24 years interest only Mortgage payment 893 pcm Overall saving 513 pcm Lender arrangement fee 1 995 Rental income 3 185 pcm Gross yield 7 3 pa

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/older-landlord-couple-remortgage-hmos-to-get-better-rate/ (2016-02-16)
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