Standard Buy to Let
There are many lenders out there with a range of buy to let products and criteria, which need to be analysed for suitability and value for money.
Some lenders work entirely on rental income, others can include clients income to supplement rent.
Rate fees, penalties and rental coverage all add up to a minefield before you consider whether the property is acceptable and the amount of deposit required.
HMO
Lenders operating in this area are limited, therefore those available can have rules and criteria which require expert interpretation. We have the experience to know these rules and so find the best lender and product for you.
LTD Company
For many reasons, such as age or IHT, purchasing an investment property using a special purpose vehicle is becoming a common requirement.
However, this is a specialist area requiring detailed help
Holiday Lets
We provide a variety of options in this complex area and a smart solution to any difficulties you may have in attaining finance for your client. This is especially important if restrictions on usage exist.
Ex Pats
A customer buying a property to return to, or a customer remortgaging a property that is already owned.
Lenders policy and the loan to value restriction will vary on the type of employment and the country the applicant is working in. Difficult to do everything when abroad especially when return can be close. Let us do the leg work
