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The commercial, Buy to Let, Development and Bridging finance market is maturing and developing to match the needs of the new more professional property investor post credit crunch. Some of the commercial lenders we now work with are taking a far more pragmatic, straightforward and commercial approach looking at projects much more on their individual merits as well as expanding criteria. Through pre-planning, to development and exit, lenders are trying to meet investors funding

42% of 18-25 year olds prioritise saving for a holiday over a property. New research by leading price comparison website MoneySuperMarket today reveals that the profile of a typical first-time buyer in the UK is changing, while the overall number of people getting on the property ladder has dropped by a staggering 45% since 1994[1]. When looking at the changing face of home ownership, the data reveals that a large portion of Brits are putting their dreams of buying a home on ho

Keystone Property Finance now have a very landlord friendly product and criteria range. In particular they will consider Trading Limited company applications (not just SPVs) for up to 80% Loan to Value and they will stress test the portfolio at a notional 5.5% and 125% interest cover. This means you can borrow £174.55 for every £1 of monthly rental income up to a maximum of 80% with no maximum portfolio size. They will also consider Limited Liability Partnerships (LLP) along wit

I simply would like to know the best way to change the management company of a small block of 3 flats? I am one owner and and the other owner owns the other two flats. We don't want to manage the block ourselves, but we do want to get rid of the inept management company who we pay monthly to insure and sort the general up keep of the building. They have not done this at all for 8 years to our satisfaction so we have now eventually had enough and would like to know how we change th

The RLA is calling on the majority of Buy to Let lenders to stop discriminating against lending to Landlords that let to benefits tenants in their criteria. They are citing and example where a landlord had their Buy to Let mortgage called in...

I’m hoping that the well informed members of the forum will be able to help me with my problem below. I unfortunately bought a freehold maisonette that resides over a flower shop below just over 2 years ago....

I want to sell a property I’m currently renting to the tenant that lives there. The tenants are looking into getting a mortgage but they are unable to raise a deposit. Can I let them rent the property for 12 months and I accept rental income this as their deposit to buy?...

Last year I described how Patrick Collinson had misunderstood two reports with big numbers in them: Patrick Collinson “Guardian of Housing Ignorance” Patrick Collinson has done it again! This week he has blindly quoted the press release for a report –...