What types of mortgage do we arrange?
Buy to Let.
The UK Buy to let sector has seem quite a few changes in the last 2-3 years. However, it remains robust and an excellent medium/long term investment strategy.
The majority of clients we act for are buying for investment reasons. This can be for various reasons;
Medium-long term price growth
Income- generated from rent surplus
An alternative or addition to Pensions
As a way of getting onto the UK property ladder whilst working abroad with a view to return to the UK at some stage
A Buy to let property can always be converted into a residential loan upon return to the UK
The affordability for the BTL mortgage is primarily based on the rental income received but some lenders consider personal income too.
Many clients are buying for personal use. We have customers who have bought so they can use the property themselves when in the UK or have family members living there.
Others have children in UK Universities and use it for them and as a UK base.
Some current property owners have refinanced the current UK property to raise cash to purchase a further property, for investment purposes.
We also have finance available for Freehold Commercial premises- primarily for values over £ 500000 +.
This could be large blocks of apartments
Retail with or without flats above
Please contact us with any specific enquiries