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  • First-time buyer purchases home after just 2 months in current job (1) | 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 buyer purchases home after just 2 months in current job 28 10 15 Residential Mortgages Case Study We were approached by a first time buyer who wished to purchase a two bed flat in London Finding a suitable mortgage proved challenging because most lenders prefer employed borrowers to have been in the role for a least three months However there are a few which are will to consider these applications and because in this case the client had a large deposit a good credit record and a consistent previous employment record we found a high street lender willing to provide a mortgage at a competitive rate Here are the details Property value 402 000 Loan amount 237 000 LTV 60 Rate 1 45 2 year fixed Term 25 years capital and interest Mortgage payment 1 138 pcm Lender arrangement fee 995 Consultan t Andy

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/first-time-buyer-purchases-home-after-just-2-months-in-current-job-1/ (2016-02-16)
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  • Part-time landlord buys first home | Mortgages for Business
    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 buys first home 20 08 15 Residential Mortgages Case Study The client is a part time landlord who owns three buy to let properties and was looking to buy his first home a 3 bed detached house in the Midlands He is also employed working fulltime as a land manager The challenge for us was to find a lender that would not include the client s three buy to let properties in the affordability calculation Some lenders take into account all mortgage borrowing and if the total indebtedness is more than eight times the applicant s income they won t lend Other lenders won t lend if more than 30 of the applicant s income is from rent Fortunately we have access to a lender that ensures that each buy to let mortgage is sufficiently covered by the respected rent then excludes it from the affordability calculation relying only on the applicant s other income in this case from the client s salary Here are the details of the rate were able to secure for the client Property value

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/part-time-landlord-buys-first-home/ (2016-02-16)
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  • Part-time landlord purchases his first home | Mortgages for Business
    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 Part time landlord purchases his first home 17 06 15 Residential Mortgages Case Study A full time senior analyst based in London approached us for help in securing a home buyer mortgage Despite not owning his own home he is an experienced landlord and owns several buy to let properties He had made an offer on a 1 bed flat on the 7th floor of a purpose built block in Essex but only had a deposit of 10 He was looking to borrow a little over 3 5 times his salary income from rent not included In order to help with affordability we found a lender that offered repayment terms over 30 years The client opted for a two year fixed rate Here are the details of the deal Property value 249 000 Loan amount 224 100 LTV 90 Rate 3 38 2 years fixed Term 30 years capital and interest Mortgage

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/part-time-landlord-purchases-his-first-home/ (2016-02-16)
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  • Capital raising by pensioners for home improvements | Mortgages for Business
    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 Capital raising by pensioners for home improvements 17 04 15 Residential Mortgages Case Study The clients are a retired married couple with just their pension as income They had purchased their 4 bed detached family home back in 2005 and only had a small percentage left to pay on their mortgage They were looking to modernise their home so wanted to raise 130k against the property for home improvements but were keen to keep their repayments down The main challenge was to find a lender who would accept just their pensions as income and let the couple continue to pay off the mortgage until the age of 75 Fortunately we found a lender who could help and offer a three year fixed rate at just 2 19 Here are the details of the deal Property value 500 000 Loan amount 130 000 LTV 26 Rate 2 19 3 year fixed Term 10 years Mortgage payments 1

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/capital-raising-by-pensioners-for-home-improvements/ (2016-02-16)
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  • Residential mortgage with no early repayment charges | Mortgages for Business
    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 Residential mortgage with no early repayment charges 16 01 15 Residential Mortgages Case Study The clients are a married couple who are both self employed each as directors of their own limited companies They were looking to move house and had found a 4 bed detached house in a popular Cheshire town Because they wanted the flexibility of being able to pay off the mortgage early or switch products they were keen to have a mortgage with no early repayment charges I was able to source a lender that met these requirements and offered a competitive rate Here are the details of the deal Property value 643 000 Loan amount 485 000 LTV 76 Rate 2 15 Bank Rate 1 65 term tracker Term 12 years capital interest repayment Mortgage payment 3 824 pcm Lender fee 800 Completion date January 2015 This is just one example of how I ve helped a client secure residential finance To see more of my case studies

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/residential-mortgage-with-no-early-repayment-charges/ (2016-02-16)
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  • Remortgage on home only owned for 2 months | Mortgages for Business
    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 on home only owned for 2 months 10 02 16 Residential Mortgages Case Study We were approached by a client looking to raise capital on his home a two bed leasehold flat in a block of flats above a newsagents in SW London The client who is a landlord and developer wanted the finance in order to expand his property portfolio When he first spoke to us he had owned his home unencumbered for just two months Previously it had been owned by his father in trust for him but has recently been transferred to his son for nil consideration We had to overcome many challenges to find a suitable lender for this deal The client has owned the property for less than six months many lenders require property to be owned for a minimum of six months before it can be remortgaged The client s salary and dividends from his limited companies were not sufficient to support many lenders affordability tests The client wanted interest only terms interest only on a residential mortgage is not readily available unless the borrower has a credible repayment strategy or very strong annual income The flat is above a newsagents shop properties above commercial units are less desirable for residential mortgage lenders because they can be difficult to sell in cases of repossession One of the client s limited companies owns the freehold of the block of flats many lenders say no to transactions

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/2016/february/remortgage-on-home-only-owned-for-2-months/ (2016-02-16)
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  • Landlord remortgages home to fund buy to let property with her daughter | Mortgages for Business
    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 remortgages home to fund buy to let purchase with her daughter 25 11 15 Residential Mortgages Case Study We were approached by a mother and daughter who were looking for finance to expand their joint property portfolio The mother is a solicitor and the daughter is currently on maternity leave from her full time job They were hoping to remortgage the mother s home to raise the necessary funds for a deposit on a buy to let purchase in London There were a few challenges when trying to find a suitable lender The clients wanted a 10 year interest only term but the mother the main applicant is 60 years old most lenders offering interest only limit the maximum age to 65 years The mother s income showed strong profits for the past two years but not for the current year we needed to find a lender which would be able to average the previous two years profit and not include the current year Even though these challenges meant that the number of lenders we could approach was restricted we managed to source funding from a high street bank After some negotiation the bank agreed to a term of nine years the maximum

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/landlord-remortgages-home-to-fund-buy-to-let-property-with-her-daughter/ (2016-02-16)
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  • Residential remortgage for married couple to repay unsecured debt | Mortgages for Business
    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 Residential remortgage for married couple to repay unsecured debt 20 08 15 Residential Mortgages Case Study We were approached by a married couple both doctors looking to remortgage their London home They wanted to raise capital to repay their existing mortgage and 50 000 worth of unsecured debt This was challenging to place as a lot of lenders had already declined the case due to the large amount of unsecured debt taken out over the last two years The clients were hoping to borrow 85 loan to value which further limited the number of lenders willing to consider the application We negotiated with a high street lender on the couple s behalf and because they had high incomes and relatively strong credit profiles the following rate was agreed Property value 575 000 Loan amount 488 750 LTV 85 Rate 3 54 5 year fixed Term 30 years repayment capital interest Lender arrangement fee

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/residential-remortgage-for-married-couple-to-repay-unsecured-debt/ (2016-02-16)
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