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  • How we helped inexperienced landlords refinance a property on a high LTV
    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 for inexperienced HMO landlords requiring 85 LTV 17 06 15 Buy to let Mortgages Buy to Let Mortgages Case Study The clients are a couple who work full time and have started an HMO property portfolio In 2014 they had purchased a property and converted it into a 7 bed HMO They approached us for helping in remortgaging the property to recoup the refurbishment costs and raise funds for further investment Crucially they were looking to borrowing 85 loan to value This was a challenge as there are very few lenders who will go to 85 LTV Also the couple s relatively short period of experience as an HMO landlord was also an issue most lenders like to see at least three years Fortunately we have access to a lender that was willing to accept the application Here are the details of the deal Property value 350 000 Loan amount 297 500 LTV 85 Rate 5 09 2 year tracker Term 35 years interest only Rental income 3 000 pcm

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/refinance-for-inexperienced-hmo-landlords-requiring-85-ltv/ (2016-02-16)
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  • Mortgage for first-time landlord in just under a month | Mortgages for Business
    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 Mortgage for first time landlord in just under a month 17 06 15 Buy to let Mortgages Buy to Let Mortgages Case Study The client an office manager living in London approached us for help in funding his first investment property He had made an offer on a 2 bed former local authority flat in Greater London which had been accepted under the proviso that the sale went through within a month His parents had kindly given him enough money for a deposit of 60 loan to value so our challenge was to find a lender that would accept first time landlords gifted deposits ex local authority flats and complete the mortgage application in a very short timescale After talking to a handful of lenders we found one that could accommodate the client s requirements The lender s customer team gave excellent service and the application was processed from start to finish in under four weeks Here are the details of the deal Property value 625 000 Loan amount 375 000 LTV 60 Product 2 74

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/mortgage-for-first-time-landlord-in-just-under-a-month/ (2016-02-16)
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  • Refinance of block of flats for new SPV Ltd Co | Mortgages for Business
    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 of block of flats for new SPV Ltd Co 17 06 15 Buy to let Mortgages Buy to Let Mortgages Case Study The clients are a married couple who are professional property developers and investors with more than 20 years experience They approached us for help in refinancing their latest development a brand new block of five 2 bed flats they had built in a popular South Coast city The build had been funded with the help of short term development finance which needed to be paid off The property was owned in a SPV Ltd Company which our clients had set up specifically for the project Having decided to retain the block within their portfolio the flats were to be let to professionals at 1 270 per month each To help with budgeting the clients were keen to remortgage the block onto a five year fixed rate We approached a bank that not only is happy to lend to investors with large portfolios and SPVs but also offers finance on multi unit blocks owned a single freehold title After some negotiation we were able to secure sufficient finance to pay off the development loan and raise funds for

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/refinance-of-block-of-flats-for-new-spv-ltd-co/ (2016-02-16)
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  • Equity release on home with no monthly payments for rental refurb | Mortgages for Business
    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 Equity release on home with no monthly payments for rental refurb 17 06 15 Buy to let Mortgages Buy to Let Mortgages Case Study The client is an experienced London landlord who was looking to raise funds in order to refurbish one of his rental properties He preferred not to remortgage any of his properties because all of his existing mortgage rates are very competitive So we discussed a variety of equity release products which do not affect the first charge holder After exploring several options the client chose an equity release product with no monthly payments instead the lender charges annual interest which is rolled up into the loan and settled at the end of the term His preference was to raise equity against his home a five bed house valued at 1 6m with an existing mortgage of 50 LTV Here are the details of the deal Property value 1 600 000 Loan amount 160 000 LTV 10 Rate 7 39 per annum Term 3 years capital interest Mortgage paymen t None

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/equity-release-on-home-with-no-monthly-payments-for-rental-refurb/ (2016-02-16)
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  • Experienced landlord remortgages two 5-bed HMOs | Mortgages for Business
    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 Experienced landlord remortgages two 5 bed HMOs 03 06 15 Buy to let Mortgages Case Study We were contacted by a broker who was looking to place a deal on behalf of his client The client is an experienced landlord and also works full time as an estate agent He was looking to remortgage two of his buy to let properties to raise capital for further purchases The properties he was looking to refinance were two almost identical HMOs located in the same road in Essex Each property had five beds over three storeys The broker s options were limited in placing this case because Not all mainstream buy to let lenders will accept HMOs and if they do not always to 5 beds The client s income without rent and bonuses was below 25k per annum The client had a large portfolio of investment properties not fitting the profile of most mainstream lenders Fortunately we have access to a semi exclusive lender who was able to assist Here are the details of the deal Property 1 Property 2 Property value 260 000 260 000 Loan amount 195 000 195 000 LTV 75 75 Rate 4 59 5

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/experienced-landlord-remortgages-two-5-bed-hmos/ (2016-02-16)
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  • First-time landlord raises finance to buy out brother | Mortgages for Business
    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 Case Studies First time landlord raises finance to buy out brother 21 05 15 Buy to let Mortgages Case Study The client is a would be first time landlord who works as a sole trader in the entertainment industry He and his brother had jointly inherited the property He was looking to raise finance on the property so that he could buy out his brother The property in question is a semi detached house in a highly desirable commuter town in West Sussex Here are the details of the deal Property value 250 000 Loan amount 70 000 LTV 28 Range Keystone Solutions Range for Individuals Product 8 49 fixed for 3 years Term 3 years interest only Rental income 1 200 pcm Gross yield 5 8 pa Mortgage payments 495 pcm Facility fee 3 2 100 added to loan Broker proc fee 1 700 Consultant Gareth Richards

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/first-time-landlord-raises-finance-to-buy-out-brother/ (2016-02-16)
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  • Trust remortgages buy to let property to raise capital | Mortgages for Business
    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 Trust remortgages buy to let property to raise capital 21 05 15 Buy to let Mortgages Case Study We were contacted by a broker who was looking to place a complex deal on behalf of his clients The clients are two brothers who were looking to borrow through a trust which had been set up by their father Both brothers are in full time employment one working for an insurance firm and the other for one of the London Borough Councils The clients were looking to remortgage a mid terraced 3 bed Victorian property which had previously been owned by their father Their father had chosen to move to a smaller home due to his age and transferred the ownership of the house to his sons by setting up a trust Before the property could be let it was in need of some refurbishment works to bring it up to modern standards which turned out to be rather costly To recover the costs they had spent on modernising the property they had decided to remortgage it There are a limited number of lenders who will consider lending to trusts which is why the broker approached us for help

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/trust-remortgages-buy-to-let-property-to-raise-capital/ (2016-02-16)
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  • Remo for ex-pat on flat to raise capital for portfolio expansion | 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 Remo for ex pat on flat to raise capital for portfolio expansion 20 05 15 Buy to let Mortgages Case Study A broker approached us on behalf of his ex pat client who was looking to remortgage a rental property in London The client is a British ex pat that has being living in Africa for more than three 3 years working for a multinational luxury travel company He wanted to remortgage his London rental property to repay his current lender and expand his portfolio with the purchase of a second buy to let property The flat he was looking to remortgage is on the fourth floor of a five storey and the client s broker was struggling to place the case because The client is an ex pat Flats in larger blocks are not accepted by all buy to let lenders The clients only credit footprint in the UK was his mortgage history with his current lender Fortunately the client was able to provide pay slips and a work contract to prove his income We were then able to approach a peer to peer lender who was happy to lend on the case as they did not deem

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/buy-to-let/remo-for-ex-pat-on-flat-to-raise-capital-for-portfolio-expansion/ (2016-02-16)
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