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  • Restaurateurs remortgage mixed-use property to raise capital | 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 Restaurateurs remortgage mixed use property to raise capital 17 07 15 Commercial Mortgages Commercial Mortgages Case Study The clients a married couple are directors of a trading limited company which owns a mixed use property in Kent consisting of a restaurant on the ground floor and a three bed flat above The couple currently run the restaurant themselves and rent out the flat They also own two other buy to let properties personally They approached us for help in remortgaging the mixed use property so that they could give up being restaurateurs and concentrate on being full time landlords Their plan was to let the restaurant and raise capital to purchase more buy to lets Our challenge was to find a provider that would Lend to the business which only generates a small profit Accepts semi commercial property as security Doesn t underwrite based on the directors income We approached a specialist commercial lender and after some negotiation we were able to agree the following deal Property Value 500 000 Loan amount 375 000 LTV 75 Product 6 55 life time tracker

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/commercial/restaurateurs-remortgage-mixed-use-property-to-raise-capital/ (2016-02-16)
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  • Short-term finance to purchase and refurbish a 2-bed flat for quick resale | 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 Short term finance to purchase and refurbish a 2 bed flat for quick resale 28 10 15 Bridging Short term Finance Bridging Short term Finance Case Study The client is an experienced developer He was looking to purchase a two bed flat in his trading limited company name to refurbish and sell for a profit The flat he was looking to purchase is on the second floor of an eight storey flat in the seaside town of Brighton The client required finance to purchase the flat and carry out a full renovation including a new bathroom and kitchen He expected the works to take around three to four months after which time he would put the property back up for sale Because the client already had considerable experience of renovating properties we were able to source a short term loan that would give him the time and funds required Property value 246 000 Loan amount 153 000 Rate 0 75 pcm

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/bridging-and-short-term-finance/short-term-finance-to-purchase-and-refurbish-a-2-bed-flat-for-quick-resale/ (2016-02-16)
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  • Part time landlord needed a speedy purchase of residential property | Mortgages for Business
    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 Part time landlord needed a speedy purchase of residential property 17 08 15 Residential Mortgages Case Study A longstanding client was looking to buy a new home in South East London but needed the mortgage application to complete within two months in order to secure the purchase This meant that we had to find a lender that was willing and able to work to this tight timescale We also needed to ensure that our case manager was focused on pushing the application through as quickly as possible After discussions with several potential providers we found a lender that was able to complete the deal from enquiry to completion within one month exceeding the client s needs and expectations Here are the details Property value 610 000 Loan amount 488 000 LTV 80 Rate 3 49 5 year fixed Term 25 years capital interest repayment Lender arrangement fee 995 Mortgage

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/part-time-landlord-needed-a-speedy-purchase-of-residential-property/ (2016-02-16)
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  • DIP and application completed on same day for first-time buyers | Mortgages for Business
    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 DIP and application completed on same day for first time buyers 01 04 15 Residential Mortgages Case Study The clients are a married couple looking to purchase their first home They both work for a multi national IT company based in London however the wife had only recently transferred from the Boston USA office They had managed to save up c 25k as a deposit and were looking to purchase a 2 bed terraced cottage in Kent There was a slight complication on this case because the wife is an American citizen she need a visa Strangely lenders require there to be two years and six months remaining on a visa which is exactly how long that visas are valid for This meant that the Decision in Principle and full application had to be completed submitted and acknowledged by the lender on the same day Fortunately we managed to find a lender which was willing to accept the clients and work to this tight deadline The application was processed without any hiccups In fact the lender made a formal mortgage offer in just seven days and completion took place

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/residential/dip-and-application-completed-on-same-day-for-first-time-buyers/ (2016-02-16)
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  • Couple raise capital on restaurant for further commercial investment | 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 Couple raise capital on restaurant for further commercial investment 24 11 15 Commercial Mortgages Commercial Mortgages Case Study We were approached by a married couple both doctors who own a fairly modest portfolio made up of semi commercial properties The couple wished to refinance a retail unit located in London which they purchased in a derelict state refurbished and currently let as a restaurant The clients wanted to raise capital for further commercial investment The clients were keen to purchase a similar property to refurbish but were not happy with the idea of bridging finance because it can be an expensive route We were able to source a specialist lender which offered the clients the following deal to ensure the funds were available as and when an appropriate property was found The details of the deal are below Property value 470 000 Loan amount 172 500 LTV 37 Rate Bank Rate 3 65 Term 25 years capital and interest repayment Lender facility

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/commercial/couple-raise-capital-on-restaurant-for-further-commercial-investment/ (2016-02-16)
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  • Refinance of block of flats owned by trust to repay loan and extend property | Mortgages for Business
    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 owned by trust to repay loan and extend property 07 10 15 Property Development Finance Bridging Short term Finance Property Development Finance Bridging Short term Finance Case Study We were approached by an experienced landlord cum property developer cum architect who was looking for refinance on a five storey freehold block of five flats in West London in order to pay off an existing loan and raise additional funds for further development The property is owned by a family trust one of the trustees of which is the client The additional funds would be used to extend the top floor flat from a small one bed to a three bed duplex apartment which would considerably increase the overall value of the entire property and the rental income The number of lenders willing to consider this project was severely limited because The client was looking to raise nearly 1 million the LTV being too high for mainstream lenders The property is owned by a family trust not something many lenders will consider In addition to the client one trustee is an Irish national living in Eire and another is more than 90 years old some lenders which do lend to trusts will not accommodate the age or foreign national status After some research and initial conversations with a number of providers we were able to

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/property-development-finance/refinance-of-block-of-flats-owned-by-trust-to-repay-loan-and-extend-property/ (2016-02-16)
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  • Sole trader purchases office with 25% deposit | Mortgages for Business
    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 Sole trader purchases office with 25 deposit 09 09 15 Commercial Mortgages Case Study We were approached by a management consultant who wished to purchase small commercial office in North London from which to run his business He had been renting serviced office space but believed he could reduce his outgoings by buying instead He had approached his bank a high street name but despite an exemplary record and good sole trading figures the bank declined a loan because he needed 75 LTV We approached one of the challenger banks which is known for offering higher LTVs on commercial mortgages for owner occupiers The lender was happy to help and offered the following deal Property value 175 000 Loan amount 131 250 LTV 75 Rate 5 99 3 year fixed Term 20 years capital and interest Lender arrangement fee 2 231 Mortgage payment 940 pcm Completion date August 2015

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/commercial/sole-trader-purchases-office-with-25-deposit/ (2016-02-16)
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  • Commercial mortgage to purchase long lease of cafe | Mortgages for Business
    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 Commercial mortgage to purchase long lease of cafe 13 05 15 Commercial Mortgages Case Study The client approached us for help in obtaining a commercial business mortgage so that he could buy the long leasehold interest of his business premises He had been operating his café business from the London premises for three years paying rent of 40 000 a year The client also had previous experience working in a family café The business however had only just started making a profit in the last year which made it an unattractive investment to most lenders In addition he only had a cash deposit of 25 which was also a sticking point with many lenders who often only lend to 60 loan to value We went to a mainstream bank who were willing to take account of the rent paid the steady growth in turnover and profits during the build up period They were willing to take an element of this into consideration when calculating the amount that they would lend The bank were also impressed with the client s dedication to the success of the business and his knowledge

    Original URL path: http://mortgagesforbusiness.co.uk/case-studies/documents/commercial/commercial-mortgage-to-purchase-long-lease-of-cafe/ (2016-02-16)
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