How commercial products can help residential landlords. Speaker: David Weeds

Save this PDF as:
 WORD  PNG  TXT  JPG

Size: px
Start display at page:

Download "How commercial products can help residential landlords. Speaker: David Weeds"

Transcription

1 How commercial products can help residential landlords Speaker: David Weeds

2 The marketplace

3 Commercial market Continued economic recovery Improved business confidence Increased demand for commercial property in our region Commercial property continues to be a popular form of investment Recession meant speculative development halted Now new opportunities Increase in rental income

4 Availability of funds Commercial borrowing criteria widened High street banks Keen to look at commercial borrowing propositions Criteria can be restrictive Challenger banks Hungry for commercial business and introducing new schemes to the market

5 Alternative funding Peer to Peer lending Invoice financing Community development funding institutions Private funds available

6 Commercial Trust

7 About Commercial Trust Specialist broker for buy to let mortgages, commercial mortgages, bridging loans You can expect: Comprehensive help if you are diversifying into commercial property Unbiased recommendations from experts High standards in customer service (look us up on Trustpilot.co.uk) Fast turnaround times Hard work, on your behalf, to get you all the way through to product completion

8 Products

9 Bridging loans Access funds quickly for any legal purpose Individuals, partnerships, companies, trusts Secured on property or land (cannot be the first charge on your home) Commonly used for buying: Uninhabitable property Property at auction Land for development Also used for: funding property modifications, purchasing stock, machinery or IT equipment for a business, settling an unexpected bill.

10 Benefits of a Bridging Loan Fast access to funds (can be a matter of days, more often takes 2 weeks) Available to clients of up to 85 years of age No minimum income requirement Borrow up to 75% loan to value Exit to long-term finance

11 Top tips when buying at auction Call us 2 weeks in advance Tell us about the property(ies) you are interested in We will arrange a loan to: Settle the remaining cost of the property after the auction We can assist with an exit to long term finance

12 Case study Bridging Loan arranged for dilapidated property Previously used another Broker Broker had recommended a Buy to Let Mortgage Mortgage had fallen through 2 weeks before deadline Identified the problems and information needed to secure the deal Loan terms agreed within 4 hours and solicitors instructed on same day

13 Case Study Funds released a week after initial enquiry Day after Bridging Loan completed we began the refinancing process to a BTL Mortgage The success we achieved for this client has resulted in us working on multiple projects for him

14 Commercial Mortgages Commercial Investment Property Commercial Owner Occupied Semi- Commercial Properties Commonly used for buying: Flats above shops Unusual property types Offices, retail, leisure and hospitality, industrial and warehousing, land and development, mixed use property

15 Benefits of a Commercial Mortgage Borrow up to 75% Loan to Value Assist in purchase of commercial/semi-commercial property Investment or owner occupied properties Interest only or capital & interest repayment Rental yield on commercial properties can be higher in comparison to Buy to Let properties Multi Units large portfolios

16 Case study Commercial Mortgage outside ordinary criteria Refinance of mixed portfolio (residential and semi commercial properties) Mixture of private and DSS tenants Existing lender not willing to assist with capital raising Client had approached existing lender, other Banks and Brokers with no success Wanted to capital raise 180,000

17 Case study We were able to achieve; Remortgage of 830,000 to repay existing borrowing and provide 180,000 capital raising Agreement in Principle secured within 3 days Identified appropriate Lender who would accept the security Deal completed allowing client to reinvest in his portfolio

18 Thank you

Your business finance is in. good hands... www.gocommercialfinance.com 01446 506 508. Commercial & buy-to-let mortgages

Your business finance is in. good hands... www.gocommercialfinance.com 01446 506 508. Commercial & buy-to-let mortgages Your business finance is in Commercial & buy-to-let mortgages good hands... Asset, development & residential development finance Business loans, stocking finance, cash flow finance & bridging finance All

More information

A Beginner s guide to Bridging Finance

A Beginner s guide to Bridging Finance A Beginner s guide to Bridging Finance Tel: 023 8045 6999 bridging-booklet-v4.008022016 Contents Introduction What is a bridging loan? How do bridging loans work? Why are people using them? When would

More information

COMMERCIAL AND DEVELOPMENT FUNDING

COMMERCIAL AND DEVELOPMENT FUNDING COMMERCIAL AND DEVELOPMENT FUNDING CONTENTS CONTENTS DEVELOPMENT LOANS 5 COMMERCIAL MORTGAGES 7 UNSECURED BUSINESS LOANS 9 BRIDGING LOANS 11 BUY TO LET MORTGAGES 13 ASSET/EQUIPMENT FINANCE 15 MEZZANINE

More information

Let s work together. Intermediary product guide.

Let s work together. Intermediary product guide. Let s work together Intermediary product guide. Launched in 2009, Aldermore champions Britain s businesses. We offer straightforward banking products and services to small and medium-sized businesses and

More information

Your step by step buy-to-let guide

Your step by step buy-to-let guide Your step by step buy-to-let guide by The Frost Partnership First time buy-to-let? Need help choosing a property? Financing your property Legal advice Considering the costs Will I make any money? Choosing

More information

Broker Service Guide

Broker Service Guide Broker Service Guide Dedicated to Brokers We specialise in offering a range of finance options to brokers, from secured and unsecured loans to commercial and bridging finance, we even offer a mortgage

More information

PRIVATE FINANCE. Your Short Cut to Short Term Finance

PRIVATE FINANCE. Your Short Cut to Short Term Finance PRIVATE FINANCE Your Short Cut to Short Term Finance Benefit from our radical approach Signature is a privately owned & funded Principal Lender, backed by internationally recognised Private Equity firm

More information

Secured loans Short term finance Commercial mortgages Buy to let mortgages Development finance

Secured loans Short term finance Commercial mortgages Buy to let mortgages Development finance Secured loans Short term finance Commercial mortgages Buy to let mortgages Development finance Welcome to Vantage Finance Vantage Finance is a leading master broker. Established in 2004, our expert team

More information

FIND FINANCE FAST RESIDENTIAL BRIDGING GUIDE

FIND FINANCE FAST RESIDENTIAL BRIDGING GUIDE BRIDGING & FINANCE BROKERS FIND FINANCE FAST RESIDENTIAL BRIDGING GUIDE Bridging loans inside 48 hours Call us anytime 0800 699 0555 www.rapid-bridging.co.uk Introduction If you need short-term finance,

More information

A Beginner's Guide To. Bridging Finance

A Beginner's Guide To. Bridging Finance A Beginner's Guide To Bridging Finance Contents Introduction What is a bridging loan? How do bridging loans work? When would someone need a bridging loan? What properties can bridging loans be used on?

More information

InterBay Gold Key Partner Product Range

InterBay Gold Key Partner Product Range InterBay Gold Key Partner Product Range 85% Loan to Value for residential Buy To Lets with 110% DSCR InterBay Commercial's ground breaking residential buy to let product, using a rental cover calculation

More information

With just one phone call you can get access to all the major Bridging Lenders. Let us do the legwork for you whilst you earn.

With just one phone call you can get access to all the major Bridging Lenders. Let us do the legwork for you whilst you earn. With just one phone call you can get access to all the major Bridging Lenders. Let us do the legwork for you whilst you earn. A little bit about us First 4 Bridging provide a personal and specialised service

More information

Seneca Bridging Finance

Seneca Bridging Finance INTRODUCING Seneca Bridging Finance Welcome to Seneca Bridging Finance Seneca is a principal lender, not a broker or intermediary service. We specialise in offering private funding for short term bridging

More information

London Mortgages Forum: The Future of Buy to Let?

London Mortgages Forum: The Future of Buy to Let? London Mortgages Forum: The Future of Buy to Let? Charles Haresnape Managing Director, Mortgages & Commercial Lending FOR INTERMEDIARY USE ONLY Aldermore Bank PLC is authorised by the Prudential Regulation

More information

Business plan template for your buy to let property(ies)

Business plan template for your buy to let property(ies) Business plan template for your buy to let property(ies) Whether you own one property or a hundred, a business plan will help you manage the risks and rewards of your buy to let investment. If you re able

More information

About us. For more information call us now on 0800 316 2224 or visit www.cleverlending.co.uk

About us. For more information call us now on 0800 316 2224 or visit www.cleverlending.co.uk About us Having come to the market with a wealth of experience behind us, Clever Lending is a second charge master broker focusing on making secured loans more accessible to intermediaries. With the regulatory

More information

buy to let: investors guide

buy to let: investors guide buy to let: investors guide As the rental market goes from strength to strength more people are looking to buy properties to rent out, and in most cases they will require a Buy-To-Let Mortgage. We have

More information

Barton Bridging Capital Application Form

Barton Bridging Capital Application Form Barton Bridging Capital Application Form Broker Name: Fee: Company: Date Sent: PLEASE ADDRESS ALL CORREPONDENCE TO: Prince of Wales House 3 Bluecoats Avenue Hertford SG14 1PB FAX: 0844 568 9889 Email:

More information

THE ARLA REVIEW & INDEX

THE ARLA REVIEW & INDEX THE ARLA REVIEW & INDEX for Residential Investment FOURTH Quarter 2014 Fourth Quarter 2014 Compared with three months ago, the average weighted rental return for houses is up from 5.0% to 5.1%, its second

More information

IMAGE. Buy to Let Guide. What to consider before turning your pension into a buy-to-let investment

IMAGE. Buy to Let Guide. What to consider before turning your pension into a buy-to-let investment IMAGE Buy to Let Guide What to consider before turning your pension into a buy-to-let investment Withdrawing money from pension pots to fund a buy-to-let investment could potentially become a more popular

More information

Expanding Horizons: Opportunities in the Bridging and Commercial Mortgage markets

Expanding Horizons: Opportunities in the Bridging and Commercial Mortgage markets Expanding Horizons: Opportunities in the Bridging and Commercial Mortgage markets FOR INTERMEDIARY USE ONLY Aldermore Bank PLC is authorised by the Prudential Regulation Authority and regulated by the

More information

Regulated Loan Application Form

Regulated Loan Application Form Regulated Loan Application Form Alternative Bridging Corporation (Cheval) Limited Fairchild House, Redbourne Avenue, London N3 2BP T: 0845 262 2222 E: info@alternativebridging.co.uk www.alternativebridging.co.uk

More information

Property Bridging loan Guide. www.fundingknight.com

Property Bridging loan Guide. www.fundingknight.com Property Bridging loan Guide www.fundingknight.com 1 You can borrow from 100,000 to 1,000,000... 1 The basics What is the eligibility criteria? Please note, we do not arrange Property Bridging Our bridging

More information

Key features. 1st Charge Residential Bridging Loans. Key criteria. Description:

Key features. 1st Charge Residential Bridging Loans. Key criteria. Description: 1st Charge Residential Bridging Loans Max LTV: Up to 70% Max Loan Size: 5,000,000 Min Loan Size: 30,000 FCA regulated and non regulated loans on residential property in mainland England, Wales and Scotland.

More information

Financing your home to fit the rest of your life. UBS Mortgage

Financing your home to fit the rest of your life. UBS Mortgage Financing your home to fit the rest of your life UBS Mortgage I didn t realize that UBS even offered home financing. But when I told my Financial Advisor that I was in the market for a vacation home, he

More information

Application form Residential Mortgage

Application form Residential Mortgage Application form Residential Mortgage Intermediary details This section requires details of any Broker, Packager, Sub broker, or Network who has an interest in this application. THIS PAGE MUST BE COMPLETED

More information

Why Life Insurance for Landlords (and all other mortgage borrowers) is crucial

Why Life Insurance for Landlords (and all other mortgage borrowers) is crucial Why Life Insurance for Landlords (and all other mortgage borrowers) is crucial DO YOU OWN A PROPERTY IN YOUR SOLE NAME ONLY? DO YOU OWN PROPERTIES IN JOINT NAMES WITH ONE OR MORE OTHER PEOPLE? IF YES,

More information

Applying for your mortgage. COMMERCIAL PROPERTY FINANCE. PUBLIC PRIVATE FINANCE. dm=cfk^k`b

Applying for your mortgage. COMMERCIAL PROPERTY FINANCE. PUBLIC PRIVATE FINANCE. dm=cfk^k`b Applying for your mortgage COMMERCIAL PROPERTY FINANCE. PUBLIC PRIVATE FINANCE. dm=cfk^k`b When you need finance to extend, refurbish, buy or purchase a share of practice premises, you want a lender who

More information

lending Lending Advice.much more than just a Mortgage Broker

lending Lending Advice.much more than just a Mortgage Broker lending Lending Advice.much more than just a Mortgage Broker living a life well planned We rebate trail commissions it s our gift to you. We are very well known for our pioneering rebating of trail commission

More information

This guide is aimed to help you consider the right choices before adding new or further buy to let property to your investment portfolio.

This guide is aimed to help you consider the right choices before adding new or further buy to let property to your investment portfolio. Buy to Let Guide It has now become common for a buy to let property to form part of an individual s investment portfolio. Property has always been easy to understand in that it is tangible and therefore

More information

REAL ESTATE. REAL FINANCE.

REAL ESTATE. REAL FINANCE. DEDICATED REAL ESTATE FINANCE PROVIDING LARGE LOANS IN EXCESS OF 1m. SPECIALIST BRIDGING AND SHORT TERM PROPERTY FINANCE. SHORT TERM FINANCE SOLUTIONS We are a whole of market short term lender, with expertise

More information

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Buy to Let investors guide

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Buy to Let investors guide YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE Buy to Let investors guide On your side in Buy to Let Buying property to let as a long-term investment or to generate

More information

Contact us free on 0800 085 5070 or visit www.mw-w.com

Contact us free on 0800 085 5070 or visit www.mw-w.com turnaround finance t-ban turnaround business angel network how t-ban works In the past there has been no effective way of bringing together pro-active investors and distressed businesses but t-ban offers

More information

11 Windsor End Beaconsfield Bucks HP9 2JJ Tel: 0845 222 11 77 Email:customer@whiteoakfinance.com

11 Windsor End Beaconsfield Bucks HP9 2JJ Tel: 0845 222 11 77 Email:customer@whiteoakfinance.com Buy to Let Investors Guide 11 Windsor End Beaconsfield Bucks HP9 2JJ Tel: 0845 222 11 77 Email:customer@whiteoakfinance.com On your side in Buy to Let Buying property to let as a long term investment or

More information

What is the Deferred Payments Scheme?

What is the Deferred Payments Scheme? What is the Deferred Payments Scheme? The Deferred Payments Scheme is designed to help you if you have been assessed as having to pay the full cost of your residential care but cannot afford to pay the

More information

businessmortgagesolutions

businessmortgagesolutions businessmortgagesolutions Tel: 01834 849797 email: info@business-mortgage.com All you need to know about funding the purchase of a leasehold business Introduction Backed by over 20 years experience in

More information

Why choose LJ Hooker Home Loans?

Why choose LJ Hooker Home Loans? Why choose LJ Hooker Home Loans? Welcome! Whether buying a first home, dream home or investing, for most of us the right lending product and structure is vital. In 2014 our lending specialists helped more

More information

Application for short term funding

Application for short term funding Application for short term funding Please ensure all parts of this form are fully completed and properly signed as required on pages 8 & 9. Date of Application: Personal details BDM: (if applicable) Applicant

More information

Mortgage Concepts Associates. Innovative & Independent Mortgage Advice. Guide to Mortgage Services

Mortgage Concepts Associates. Innovative & Independent Mortgage Advice. Guide to Mortgage Services Mortgage Concepts Associates Innovative & Independent Mortgage Advice Guide to Mortgage Services Mortgage Concepts Associates offer independent and innovative solutions to all of your mortgage requirements.

More information

PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE

PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE We understand PAGE 04/ ASSET FINANCE 06/ BRIDGING FINANCE 08/ DEVELOPMENT FINANCE WELCOME TO UNITED TRUST BANK is an established specialist lender providing a wide range of short to medium term secured

More information

Factsheet: LVR restrictions

Factsheet: LVR restrictions Factsheet: LVR restrictions A guide for borrowers 1. What are LVRs? A loan-to-value ratio (LVR) is a measure of how much a bank lends against residential property, compared to the value of that property.

More information

Application form Residential and buy-to-let secured loans

Application form Residential and buy-to-let secured loans Together is a trading style of Blemain Finance Limited Application form Residential and buy-to-let secured loans Section 1: Loan details Loan Details Repayment type: (capital & Interest or interest only)

More information

A guide to mortgages

A guide to mortgages A guide to mortgages Contents An Introduction to mortgages 3 What is a mortgage? 4 Choosing a mortgage - where to start 5 What to consider before getting a mortgage? 6 Mortgage and repayment types 8 Interest

More information

Guides & Advice. Secured Lending

Guides & Advice. Secured Lending Guides & Advice Secured Lending Secured Lending Acting for several national and international banks, as well as many other institutional and private lenders, our leading Commercial Property team has a

More information

Application Form (Limited Company)

Application Form (Limited Company) Application Form (Limited Company) Please tick which area(s) are required Limited Company/ LLP Commercial Specialist BTL Bridging/Short Term Finance Development Finance Telephone: 01273 495420 Email: info@best4bridging.co.uk

More information

HOME LOAN GUIDE. Call 1300 17 87 87 1ststreet.com.au

HOME LOAN GUIDE. Call 1300 17 87 87 1ststreet.com.au HOME LOAN GUIDE Call 1300 17 87 87 1ststreet.com.au CONTENTS FIND ALL YOU NEED TO KNOW 4 6 8 10 12 16 18 19 22 24 26 1st Street The Story Your 1st Street Mortgage Broker Lender Options The Plan Lenders

More information

Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development.

Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development. Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development. A Funding Whitepaper from HCBA www.hcba.co.uk 01932 244810 Pegasus Funding

More information

The 2015 Landlord s Guide to tax, allowances and obligations

The 2015 Landlord s Guide to tax, allowances and obligations presents... The 2015 Landlord s Guide to tax, allowances and obligations While many people may have the desire to become a landlord of some sort, whether just owning a single flat as an investment, or

More information

www.nichefs.co.uk 11013-Niche brochure A4 12pp 2015-pdfimport.indd 1

www.nichefs.co.uk 11013-Niche brochure A4 12pp 2015-pdfimport.indd 1 www.nichefs.co.uk 11013-Niche brochure A4 12pp 2015-pdfimport.indd 1 14/10/2015 14:51:29 Welcome: With many years experience and long term lender relationships Niche Financial Solutions are able to offer

More information

Application Form (Limited Company)

Application Form (Limited Company) UNIQUE FINANCIAL SOLUTIONS Application Form (Limited Company) Please tick which area(s) are required Limited Company/ LLP Commercial Specialist BTL Bridging/Short Term Finance Development Finance Telephone:

More information

A Guide to Buy to Let

A Guide to Buy to Let A Guide to Buy to Let Get in to Buy to Let Buying property to let as a long-term investment or to generate a regular income has become an increasingly popular option over recent years, and the demand from

More information

Buy to Let and HMO Mortgages

Buy to Let and HMO Mortgages 8 Buy to Let and HMO Mortgages We offer mortgages for a wide variety of residential property, whether its single or multiple occupancy, purpose built or converted. We also provide single loans to cover

More information

New Business Application Form

New Business Application Form The Specialist Whole of Market Commercial & Business Finance Broker New Business Application Form National Association of Commercial Finance Brokers Association of Bridging Proffessionals 1 Arlington Court,

More information

A Broker s Reference. Second Charge Loans

A Broker s Reference. Second Charge Loans A Broker s Reference Second Charge Loans 3 4 4 5 5 6 6 7 8 11 12 13 13 14 Introduction The Mortgage Credit Directive and Second Charge Mortgages Descriptive terms The changing face of second charge loans

More information

Company Application Form

Company Application Form Please clearly complete all details in black ink. If details are missing the application may be delayed. Please complete online or fax to 020 7014 3618. Page 1 of 7 Intermediary Details V28 18/03/2009

More information

tipton intermediaries

tipton intermediaries tipton intermediaries buy to let criteria guide january 2016 THIS DOCUMENT IS RESTRICTED TO MORTGAGE INTERMEDIARY USE ONLY This document is a general guide to our full lending policy and details our key

More information

Help to Buy Buyers Guide

Help to Buy Buyers Guide Help to Buy Buyers Guide Homes and Communities Agency http://www.homesandcommunities.co.uk/helptobuy Page 1 of 27 Key information Buyers using this scheme must provide security in the form of a second

More information

FOUNDATION HOME LOANS

FOUNDATION HOME LOANS 0344 770 8032 fhl@foundationhomeloans.co.uk www.foundationhomeloans.co.uk FOUNDATION Decision in Principle Form Page 1 of 8 Customer facing intermediary details Full name Last name Panel number (If known)

More information

Specialist support to help you

Specialist support to help you Specialist support to help you Page 1 of 6 We recently launched a dedicated team of New Build specialists to help keep your cases moving. Manage pipeline cases that cannot be dealt with through your usual

More information

Development Finance. Bridging Finance. Asset Finance. Case Files WE NDERSTAND

Development Finance. Bridging Finance. Asset Finance. Case Files WE NDERSTAND WE NDERSTAND Development Finance Asset Finance Bridging Finance Case Files WE NDERSTAND Asset, Bridging and Development Finance Welcome to United Trust Bank United Trust Bank provides a wide range of secured

More information

OPENING NEW DOORS TO A BETTER WAY OF MORTGAGE BANKING FOR ALL YOUR HOME LENDING NEEDS!

OPENING NEW DOORS TO A BETTER WAY OF MORTGAGE BANKING FOR ALL YOUR HOME LENDING NEEDS! OPENING NEW DOORS TO A BETTER WAY OF MORTGAGE BANKING FOR ALL YOUR HOME LENDING NEEDS! Welcome to On Q Financial. Mortgages Simplified. We want to open new doors as your preferred mortgage banker! Our

More information

LENDING AGAINST COMMERCIAL PROPERTIES CRITERIA QUICK REFERENCE GUIDE

LENDING AGAINST COMMERCIAL PROPERTIES CRITERIA QUICK REFERENCE GUIDE LENDING AGAINST COMMERCIAL PROPERTIES CRITERIA QUICK REFERENCE GUIDE Version 1.6 Effective: January 2015 Lending on Commercial Properties Criteria Quick Reference Guide for State Bank of India s UK operation.

More information

Buy-to-let refers to the purchase of a property specifically with the intention of renting it out.

Buy-to-let refers to the purchase of a property specifically with the intention of renting it out. Buy-to-let Guide What is buy-to-let? Buy-to-let refers to the purchase of a property specifically with the intention of renting it out. This guide will provide you with an introduction to the buy-to-let

More information

Other publications available from the Homeloan Guru:

Other publications available from the Homeloan Guru: Other publications available from the Homeloan Guru: The A-Z of Home Purchase Financing your Home Purchase A Guide to the Cost of Home Purchase Debt Consolidation, how does it work? Home Buyer s Checklist

More information

Bridging Finance. Buy-to-let. at Record High

Bridging Finance. Buy-to-let. at Record High Buy-to-let landlords make use of 64 million in short-term secured loans over last 12 months Total gross bridging lending for all purposes reaches 1.79 billion in year to August 213 In July and August,

More information

FINANCIAL SERVICES BOARD COLLECTIVE INVESTMENT SCHEMES

FINANCIAL SERVICES BOARD COLLECTIVE INVESTMENT SCHEMES FINANCIAL SERVICES BOARD COLLECTIVE INVESTMENT SCHEMES INTRODUCTION This booklet will provide you with information on the importance of understanding ways in which Collective Investment Schemes ( CIS )

More information

CML guidance for lenders the role of LPA receivers

CML guidance for lenders the role of LPA receivers CML guidance for lenders the role of LPA receivers Introduction This guidance has been produced for CML members and outlines the basic circumstances and considerations of appointing a Law of Property Act

More information

Federal Reserve Monetary Policy

Federal Reserve Monetary Policy Federal Reserve Monetary Policy To prevent recession, earlier this decade the Federal Reserve s monetary policy pushed down the short-term interest rate to just 1%, the lowest level for many decades. Long-term

More information

Lending guidelines and submission requirements

Lending guidelines and submission requirements Lending guidelines and submission requirements 1 February 2013 Buy-to-let for serious players Submission requirements The following items are required to be submitted on application: For all applications:

More information

FSA regulation of mortgage arranging and advising do I need to be authorised?

FSA regulation of mortgage arranging and advising do I need to be authorised? Financial Services Authority FSA regulation of mortgage arranging and advising do I need to be authorised? Do I need to read this factsheet? Since October 2004 we (the FSA) have been responsible for regulating

More information

Version 0.1 Adult Social Care Deferred Payment Policy Issued: April 2015

Version 0.1 Adult Social Care Deferred Payment Policy Issued: April 2015 Adult Social Care Deferred Payment Policy 1 Introduction 1.1 This Policy details how Deferred Payment Agreements (DPAs) are to be operated by Rochdale Council from April 2015. 1.2 When a person enters

More information

Lending Criteria. Standard Residential Read in conjunction with General Criteria

Lending Criteria. Standard Residential Read in conjunction with General Criteria This list is not exhaustive. Please contact us to discuss your requirements Standard Residential Term: Maximum: 35 years or the number of years it will take (the eldest) applicant to reach 70 (whichever

More information

5 Interesting Facts about the Peer to Peer (P2P) Market

5 Interesting Facts about the Peer to Peer (P2P) Market 5 Interesting Facts about the Peer to Peer (P2P) Market 1 P2P is not crowdfunding PEER TO PEER LENDING CROWDFUNDING The practice of unrelated individuals or companies lending money directly to one another

More information

BRIDGING FINANCE WITHOUT COMPLICATION

BRIDGING FINANCE WITHOUT COMPLICATION BRIDGING FINANCE WITHOUT COMPLICATION BRIDGING FINANCE WITHOUT COMPLICATION The Brooklin Partnership PLC was created to fulfil a niche in the property market, offering finance to the like of Property Developers

More information

Lending Criteria. Standard Residential Read in conjunction with General Criteria

Lending Criteria. Standard Residential Read in conjunction with General Criteria This list is not exhaustive. Please contact us to discuss your requirements Standard Residential Term: Maximum: 35 years or the number of years it will take (the eldest) applicant to reach 70 (whichever

More information

LET TING YOUR PROPERTY

LET TING YOUR PROPERTY LET TING YOUR PROPERTY 03 05 07 08 11 13 15 WelCOME An introduction to Acorn Lettings CHOOSING AN AGENT How to get the best possible service UNDERSTAND THE PROCESS Your step-by-step guide to renting your

More information

tipton intermediaries

tipton intermediaries tipton intermediaries buy to let criteria guide november 2015 THIS DOCUMENT IS RESTRICTED TO MORTGAGE INTERMEDIARY USE ONLY This document is a general guide to our full lending policy and details our key

More information

Service Charge Loans 1 Policy

Service Charge Loans 1 Policy Service Charge Loans 1 Policy 1. Introduction 1.1 This policy establishes Medway Council Housing Services (the council s) criteria and approach to administering the Mandatory and Discretionary Service

More information

What is buy-to-let? Buy-to-let refers to the purchase of a property specifically with the intention of renting it out.

What is buy-to-let? Buy-to-let refers to the purchase of a property specifically with the intention of renting it out. Buy-to-let Guide Buy-to-let Guide What is buy-to-let? Buy-to-let refers to the purchase of a property specifically with the intention of renting it out. This guide will provide an introduction to the buy-to-let

More information

Information on: Deferred Payment Scheme

Information on: Deferred Payment Scheme Information on: Deferred Payment Scheme From 1 April 2015 Introduction From April 2015 the way care and support is provided is changing for the better. The Care Act 2014 is a recent piece of legislation

More information

Why Use A MortgAge BAnker?

Why Use A MortgAge BAnker? Why Use A Mortgage Banker? US Mortgage Corporation (NMLS ID#3901). Corporate Office is located at 201 Old Country Road, Suite 140, Melville, NY 11747; 631-580-2600 or (800) 562-6715 (LOANS15). Licensed

More information

Making More Out of Buy-to-Let. The Bentley Hotel Friday 1 st November 2013

Making More Out of Buy-to-Let. The Bentley Hotel Friday 1 st November 2013 Making More Out of Buy-to-Let The Bentley Hotel Friday 1 st November 2013 Welcome James Pinchbeck Marketing Partner, Streets Chartered Accountants Managing Director Association of Residential Letting Agents

More information

A Professional Approach to Short Term Lending Secured against Land or Property

A Professional Approach to Short Term Lending Secured against Land or Property A Professional Approach to Short Term Lending Secured against Land or Property 2012 Edition A Professional Approach to Short Term Lending Secured against Land or Property Introduction The members of the

More information

Buy to Let investors guide

Buy to Let investors guide Buy to Let investors guide YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE On your side in Buy to Let Buying property to let as a long-term investment or to generate

More information

AusWise Finance Pty Ltd

AusWise Finance Pty Ltd APPLICATION CHECK LIST DETAILS OF ATTACHED DOCUMENTS YES NO COMPLETED APPLICATION FORM? DECLARATION AS TO PURPOSE OF CREDIT COMPLETED & ATTACHED? AUTHORITY TO RELEASE INFORMATION COMPLETED & ATTACHED?

More information

July 2014. UK Commercial & Residential Property Markets Review: July 2014 1

July 2014. UK Commercial & Residential Property Markets Review: July 2014 1 July 2014 UK Commercial & Residential Property Markets Review: July 2014 1 UK Commercial & Residential Property Markets Review: July 2014 2 UK COMMERCIAL & RESIDENTIAL PROPERTY MARKETS REVIEW: JULY 2014

More information

Residential and Buy to Let Mortgages Supplementary application form

Residential and Buy to Let Mortgages Supplementary application form Residential and Buy to Let Mortgages Supplementary application form Intermediary details Contact name FCA registration number Loan details Date of original purchase (remortgage only) If remortgaging, what

More information

Your guide to our full range of mortgage products

Your guide to our full range of mortgage products 1 Your guide to our full range of mortgage products When it comes to property, we understand that it s the small details which make up the bigger picture. So, if you are looking for a specialist mortgage

More information

borrow Want to in your SMSF?

borrow Want to in your SMSF? borrow Want to to buy property in your SMSF? A Self Managed Super Fund (SMSF) gives you investment flexibility. Some typical investment options for SMSFs include term deposits, direct shares, and managed

More information

Lantern Finance Pty Ltd

Lantern Finance Pty Ltd COMPLETED APPLICATION FORM? APPLICATION CHECK LIST DETAILS OF ATTACHED DOCUMENTS YES NO DECLARATION AS TO PURPOSE OF CREDIT COMPLETED & ATTACHED? AUTHORITY TO RELEASE INFORMATION COMPLETED & ATTACHED?

More information

10 Frequently Asked Questions About Foreclosure

10 Frequently Asked Questions About Foreclosure 10 Frequently Asked Questions About Foreclosure 1. Who can I call for help if I am in foreclosure or fear I may be soon? The best source of help is a HUD-Approved housing counselor. You can find a housing

More information

Peer-to-Peer Commercial Property Lending

Peer-to-Peer Commercial Property Lending Peer-to-Peer Commercial Property Lending Why Commercial Real Estate Debt is the Perfect Partner for P2P Lending Retail Industrial Office INTRODUCTION Peer-to-Peer Lending, also known as Loan Based Crowdfunding,

More information

Are Putterills best prepared to let my property?

Are Putterills best prepared to let my property? I would have no hesitation in recommending Putterills. They are very customer focused and their maintenance and accounts departments are first class. Mr A Are Putterills best prepared to let my property?

More information

Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development.

Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development. Financial Challenges and Pains faced by SMEs. The funding options available to them at different stages of their development. A Funding Whitepaper from SWBA. www.swba.co.uk 01225 580103 01932 244810 Table

More information

HOME LOAN ADVICE CENTRE e-course (PART 1)

HOME LOAN ADVICE CENTRE e-course (PART 1) HOME LOAN ADVICE CENTRE e-course (PART 1) Welcome to the Home Loan Advice Centre e-course. The information contained within this e-course is Home Loan Advice Centre s compilation of information, tips,

More information

APPLICATION FORM. Contact Details INTERMEDIARY USE ONLY. Company Name: Company Address: Postcode: Contact Number: E-mail Address: Fax Number:

APPLICATION FORM. Contact Details INTERMEDIARY USE ONLY. Company Name: Company Address: Postcode: Contact Number: E-mail Address: Fax Number: Contact Details INTERMEDIARY USE ONLY APPLICATION FORM Please complete form electronically and save file for your future reference. Following form completion please print out and post to: Hudson Keys Limited,

More information

Finance Bill 2015-16:

Finance Bill 2015-16: Finance Bill 2015-16: - Impact of clause 24 on private landlords August 2015 C Norris Head of Policy, NLA About the NLA: The National Landlords Association (NLA) is the UK s leading organisation for private-residential

More information

SENATE BILL 465. 3lr2733 CF HB 522 A BILL ENTITLED. Refinancing of First Mortgage Loans Subordination

SENATE BILL 465. 3lr2733 CF HB 522 A BILL ENTITLED. Refinancing of First Mortgage Loans Subordination I SENATE BILL By: Senator Klausmeier Introduced and read first time: January 0, Assigned to: Judicial Proceedings and Finance lr CF HB A BILL ENTITLED AN ACT concerning Refinancing of First Mortgage Loans

More information

LET TING YOUR PROPERTY. www.langfordrussell.co.uk 1

LET TING YOUR PROPERTY. www.langfordrussell.co.uk 1 LET TING YOUR PROPERTY www.langfordrussell.co.uk 1 03 05 07 08 11 13 15 WelCOME An introduction to Langford Russell Lettings CHOOSING AN AGENT How to get the best possible service UNDERSTAND THE PROCESS

More information

WESTERBY TRUSTEE SERVICES LTD PROPERTY PURCHASE GUIDE

WESTERBY TRUSTEE SERVICES LTD PROPERTY PURCHASE GUIDE WESTERBY TRUSTEE SERVICES LTD PROPERTY PURCHASE GUIDE The purpose of this guide is: 1. To answer some frequently asked questions about the purchase of property or land as a pension scheme asset. 2. To

More information