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  • Ex-pats living outside of the UK since 2011 expand buy to let portfolio | Mortgages for Business
    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 Ex pats living outside of the UK since 2011 expand buy to let portfolio 28 10 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 who have been living outside of the UK since 2011 One of the applicants is in full time employment working for a multi national tobacco company and the other is unemployed The couple have been based in Russia since 2014 having previously been based in Turkey The couple already own six buy to let properties in the UK however they were keen to expand their property portfolio further with the purchase of a 3 bed terraced house in Merseyside The broker had been unable to directly access a lender that could help The challenge in placing the case was not only the ex pat status but also the fact the client had lived abroad for almost five years meaning carrying out UK credit checks would be more of a challenge than usual Fortunately we have exclusive access to a lender who was able to help Here are the details of

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/ex-pats-living-outside-of-the-uk-since-2011-expand-buy-to-let-portfolio/ (2016-02-16)
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  • Full-time landlord remortgages leasehold flat where freehold is owned by related party | Mortgages for Business
    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 leasehold flat where freehold is owned by related party 23 10 15 Buy to let Mortgages Buy to Let Mortgages Case Study The client is a full time landlord with more than 15 years of experience He was looking to remortgage a two bed leasehold flat in order to raise funds for further buy to let investment The flat is in a block of six all of which are owned on separate leaseholds by the client The client also owns 50 of the freehold and his wife owns the other 50 Most lenders will stay away from this type of transaction because they prefer the freeholder and the leaseholder to be unrelated However we were able to source funding from a specialist lender which offered the following deal for our client Property value 150 000 Loan amount 112 500 LTV 75 Product 3 89 3 year fixed Term 20 years interest only Mortgage payments 365 pcm Rental

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/full-time-landlord-remortgages-leasehold-flat-where-freehold-is-owned-by-related-party/ (2016-02-16)
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  • SPV refinances HMO to raise funds for further BTL investment | Mortgages for Business
    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 SPV refinances HMO to raise funds for further BTL investment 14 10 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a broker who was looking to place a deal for clients wishing to raise funds for further buy to let investment The clients are a married couple who own more than 30 rental properties in an SPV limited company They were hoping to raise finance against a five bed HMO let to students in a university town in the East Midlands A rate from Keystone s New Classic Range for Limited Companies met the clients requirements and an application was submitted During the legal process it was discovered that the title deeds to the property were inaccurate so we worked with the solicitor s on both sides to ensure that the error was corrected in order that the mortgage could proceed Here are the details of the deal Property value 230 000 Loan amount 165 000 LTV 75 Rate 5 39 5 year fixed Term

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/spv-refinances-hmo-to-raise-funds-for-further-btl-investment/ (2016-02-16)
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  • Retired landlord uses equity release to help purchase Cornish holiday park | Mortgages for Business
    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 Retired landlord uses equity release to help purchase Cornish holiday park 12 10 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a retired landlord who was looking to raise capital from her two bed London flat for the purchase of a Cornish holiday park We faced a few challenges when it came to placing this case as the client is 70 years old limiting the choice of lenders willing to accept the deal as a lot of lenders will not lend when client is over 75 at the end of the mortgage term Retired with a pension and rental income many lenders won t take a client s rental income into account After looking into the available options the client chose an equity release product with no monthly payments The lender charges annual interest which is then rolled up into the loan and the client will settle this at the end of the term with either repayment or property sale The following deal was agreed Property value 650 000 Loan amount 325 000 LTV 50 Rate 5 per annum linked to

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/retired-landlord-uses-equity-release-to-help-purchase-cornish-holiday-park/ (2016-02-16)
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  • Refinance to raise capital for further investment | Mortgages for Business
    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 Refinance to raise capital for further investment 02 10 15 Buy to let Mortgages Buy to Let Mortgages Case Study A broker approached us for helping in source a deal for a client who has a large portfolio of rental properties in London and the South East and also works full time The client was looking to remortgage a 2 bed terrace house in Greater London which he owns in a long established SPV limited company He preferred a fixed rate but didn t want to be tied in for as long as five years The house is let to professionals and generates a good rent so placing the case with one of the newer specialist lenders was a relatively easy and quick process Here are the details of the deal Property value 400 000 Loan amount 279 699 LTV 70 Rate 4 19 fixed for 2 years Term 25 years interest only Lender arrangement fee 1 5 4 195 Rental income 1 650 pcm Mortgage payment 977

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/refinance-to-raise-capital-for-further-investment/ (2016-02-16)
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  • Non-homeowner purchases buy to let after just a month at current job | Mortgages for Business
    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 Non homeowner purchases buy to let after just a month at current job 02 10 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a part time landlord with two existing buy to let properties looking for help sourcing funds to purchase a buy to let property The property he wished to buy is a 3 bed semi detached house in good letting condition located in a large town on the South Coast The client s situation caused a few challenges when sourcing funds because He had only been at his job for one month Some lenders would be cautious of this as the borrower has not passed the probation period and is therefore in a less secure position His annual income is less than 25k Many of the mainstream buy to let lenders impose a minimum income of 25k pa so the choice of suitable products was restricted He doesn t own his own home Many lenders prefer borrowers to own their own home before owning buy to let properties In the client s favour he has landlord experience and already owns two other buy to let properties We approached a high street lender with this deal as the client

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/non-homeowner-purchases-buy-to-let-after-just-a-month-at-current-job/ (2016-02-16)
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  • First time landlord with irregular income purchases terraced house | Mortgages for Business
    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 First time landlord with irregular income purchases terraced house 01 10 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a homeowner who was looking for help in finding finance to purchase her first buy to let a 2 bed terraced house in a strong location rental location She owns her own home and works as a locum pharmacist Her income stream was a sticking point for many lenders because it is not necessarily guaranteed so we approached a lender that was happy to look at her circumstances and overall affordability The lender offered the following terms Property value 105 000 Loan amount 78 750 Loan to value 75 Rate 3 59 2 year fixed Term 25 years interest only Mortgage payment 236 pcm Rental income 500 pcm Gross yield 5 7 pa Lender arrangement fee 0 5 of loan amount 394 Consultant Mortgage Broker Andy McOwat Consultant tel

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/first-time-landlord-with-irregular-income-purchases-terraced-house/ (2016-02-16)
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  • Remortgage of mixed use block of 5 shops & 7 flats | Mortgages for Business
    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 Remortgage of mixed use block of 5 shops 7 flats 28 09 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by a couple experienced private landlords and business owners who wished to remortgage a large building made up of five small shops with seven residential flats above located in a popular Essex town The clients needed to remortgage because their high street bank had called in the loan because it no longer lends on mixed use properties The clients were looking for personal finance not via a limited company Unfortunately the clients record keeping was haphazard to say the least and it proved difficult to accurately show the declared rental income and tenancy agreements This meant that initially no lender was willing to touch the case Working closely with the couple we helped to organise the record keeping and bring the paperwork up to date This enabled us to compile and put forward a strong proposal to a lender which after some negotiation agreed to lend sufficient to pay off the existing loan and raise an additional 100k to fund an extension to another of the clients rental properties Here are the details of the deal Property

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/remortgage-of-mixed-use-block-of-5-shops-7-flats/ (2016-02-16)
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web-archive-uk.com, 2016-12-06