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  • 68 year old landlord remortgages through SPV Ltd Co | 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 68 year old landlord remortgages through SPV Ltd Co 20 07 15 Buy to let Mortgages Buy to Let Mortgages Case Study We were approached by an experienced landlord who wanted to release equity from one of his six buy to let properties in order expand his portfolio The property in question a two bed flat in a popular North Eastern town is owned within the landlord s SPV limited company of which he is the sole director The landlord is 68 years old and was hoping to get a mortgage term past his 75th birthday which meant that the choice of lenders was somewhat limited We negotiated with a lender which not only provides buy to let finance to SPV limited companies but also allows borrowing up to 85 years In this instance the landlord chose a mortgage term of 10 years Here are the details Property value 200 000 Loan amount 130 000 LTV 65 Product 3 81 term tracker Term 10 years interest only Rental income 550 pcm Gross

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/68-year-old-landlord-remortgages-through-spv-ltd-co/ (2016-02-16)
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  • Non-homeowning couple refinance BTL in SPV Ltd Co | Mortgages for Business
    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 Non homeowning couple refinance BTL in SPV Ltd Co 20 07 15 Buy to let Mortgages Buy to Let Mortgages Case Study The clients are a married couple who own two buy to let properties in an SPV limited company although they don t own their own home One of the properties is owned outright the other a terrace house in a large Lancashire town has a small mortgage on it The husband 71 is retired and receives an income in excess of 25k pa The wife works full time They approached us for help in refinancing the mortgaged property so that they could release equity to expand their portfolio Our challenge in finding a lender was three fold as many lenders 1 Insist that borrowers own their own home 2 Will not provide finance to SPVs 3 Only provide finance to borrowers up to 75 years of age the couple wanted a longer term Finding a lender that would accept all three nuances of the case did reduce the options however we found a specialist that was prepared to help on the condition that the specialist become the sole lender to the SPV Here are the details Property

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/non-homeowning-couple-refinance-btl-in-spv-ltd-co/ (2016-02-16)
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  • Landlord releases equity to fund residential purchase | 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 releases equity to fund residential purchase 17 07 15 Buy to let Mortgages Buy to Let Mortgages Case Study The client is a London based teacher who also owns two buy to let properties both unencumbered She had been trying to get a residential mortgage to buy a house to live in but didn t have a big enough deposit for the property in question To increase her deposit she approached us for help to release some of the equity in one of her rental properties a house let to a family which generates 1 450 per month in rent We contacted a leading mainstream buy to let lender which is currently offering some excellent rates Here are the details Property Value 450 000 Rental income 1 450 pcm Loan amount 270 000 LTV 60 Product 2 99 2 year fixed rate Term 25 years interest only Lender arrangement fee 995 added to loan Mortgage payments 673

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/landlord-releases-equity-to-fund-residential-purchase/ (2016-02-16)
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  • Bridging loan then remortgage 2 months later with same lender | 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 Bridging loan then remortgage 2 months later with same lender 16 07 15 Buy to let Mortgages Bridging Short term Finance Buy to Let Mortgages Bridging Short term Finance Case Study The client a fulltime property developer and landlord approached us for help in purchasing a two bed terrace house in need of complete refurbishment before it could be let out As the vendor required a quick sale and the property was in a poor state it could not be purchased with a buy to let mortgage so it was clear that a bridging loan was initially required We approached a lender which offered to provide a bridging loan first then without the need for an additional application would allow the client to remortgage onto a buy to let mortgage product subject to a simple re inspection once the property was ready to let Crucially the lender agreed to allow the refinance to take place within six months of purchase not many lenders will allow this type of transaction Here are the details of the deal we were able to negotiate for the client Bridging Loan Purchase price 200 000 Loan amount 150 000 LTV 75 Rate 1 04 pcm interest only Term 2 months Lender arrangement

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/bridging-and-short-term-finance/bridging-loan-then-remortgage-2-months-later-with-same-lender/ (2016-02-16)
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  • Director of SPV raises finance against multi-unit to repay director’s loan | Mortgages for Business
    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 Director of SPV raises finance against multi unit to repay director s loan 15 07 15 Buy to let Mortgages Buy to Let Mortgages Case Study The client an experienced landlord and property developer approached us for help in raising finance against an unencumbered block comprising four maisonettes in South West London The client lives in one of the maisonettes and rents out the others to working professionals The entire property is owned by the client s SPV limited company He wanted the finance to repay a director s loan which he had taken out of the SPV to purchase a new home The finance would be secured against the three rented maisonettes which between them generate an annual rent totaling 52 200 The forward plan was then to move into his new home and rent out the remaining maisonette thus providing him with additional income Our main challenges in placing this case were The client is 69 years old most lenders impose a maximum age of 75 years at the end of the mortgage term His income is made up of rent and pension lots of lenders won t accept these forms of income especially in this combination He need a buy to let mortgage for an SPV limited company only 11 lenders offer products to these borrowing vehicles After

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/director-of-spv-raises-finance-against-multi-unit-to-repay-director-s-loan/ (2016-02-16)
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  • Inexperienced landlord purchases his first multi-unit property | Mortgages for Business
    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 Case Studies Inexperienced landlord purchases his first multi unit property 17 06 15 Buy to let Mortgages Case Study The client the director of an IT company and owner of one rental flat approached us for help in financing the purchase of a large house in Manchester that had previously been split into nine separate flats all tenanted by working professionals Because the client had no prior experience of owning and operating multi unit properties held on a single freehold title finding a lender proved challenging Also there few lenders that will accept such large multi units However we approached a leading specialist provider and after some negotiation managed to agree the following deal Property value 490 000 Loan amount 367 000 LTV 75 Product 4 85 loan term tracker Term 25 years interest only Rental income 3 800 pcm Gross yield 9 3 pa Mortgage payments 1 483 pcm

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/inexperienced-landlord-purchases-his-first-multi-unit-property/ (2016-02-16)
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  • Refinance on recently refurbished apartment | Mortgages for Business
    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 on recently refurbished apartment 17 06 15 Buy to let Mortgages Case Study A client approached us for help to refinance an apartment he had bought six months earlier with a refurbishment loan He had used short term refurbishment finance because the apartment required some upgrading and was not in a suitable condition for immediate letting The client is in full time employment and is also a landlord with a small portfolio Unfortunately his credit record showed that he had been declined a buy to let mortgage when he first bought the property due to its non habitable condition This ruled out some lenders and because the property had yet to be let this ruled out some more However in the client s favour he was able to put up a 50 deposit so there were still a few options available We approached a lender who was willing to accept the application and the client opted for a three year fixed rate Here are the details of the deal Property value 800 000 Loan amount 400 000 Loan to value

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/refinance-on-recently-refurbished-apartment/ (2016-02-16)
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  • BTL remortgage for low-earning, non-home-owning landlord | Mortgages for Business
    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 BTL remortgage for low earning non home owning landlord 17 06 15 Buy to let Mortgages Case Study We were approached by a client who wished to refinance a property in order to raise capital for further investment The property is a 3 bed terraced house in Leicester which the client has owned for three years Our choice of lender was limited because the client earns a small salary from his retail job and he doesn t own his own home The majority of lenders prefer borrowers to earn at least 25k pa and own their own home However because the client has a good credit history and has serviced his existing mortgage without fault we found a lender that was willing to accept the case Here are the details of the deal Property value 200 000 Loan amount 150 000 Loan to value 75 Rate 4 39 5 year fixed Term 28 years capital and interest Mortgage paymen t 776 pcm

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/btl-remortgage-for-low-earning-non-home-owning-landlord/ (2016-02-16)
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