Howard Reuben Cert CII (MP) CeRER

What puts mortgage applications outside of ‘standard’ criteria?

What puts mortgage applications outside of ‘standard’...

What makes a case complex compared to simple? Let’s start off by explaining what a simple case looks like: An employed person, who has been working at the same place and in the same role for around...

A Bridge Over Troubled Water?

A Bridge Over Troubled Water?

Bridging is one of those things that people sometimes struggle to understand how it works. Especially those new to this business. Simply put, it’s a mortgage to use on an unmortgageable property!

Lowered Stress Test Rates for BTL Remortgages

Lowered Stress Test Rates for BTL Remortgages...

Foundation Homeloans has released improved criteria updates that can help if you are a Higher-Rate Taxpayer. Previously, you would have to look at a lower loan due to the 145% stress rate knocking you...

Foundation – The Lender with many criteria quirks!

Foundation – The Lender with many criteria quirks!

Foundation Homeloans, are one of the more flexible lenders and recently had a bit of a shake-up.  Landlords will be interested in some of the quirks: They have a ‘solution’ based approach...

Purchasing auction property with Bridging finance

Purchasing auction property with Bridging finance...

If you are interested in purchasing property at auction and you are looking to finance this through a bridging loan, there are some considerations to make before application. What is your exit strategy?

New 85% LTV bridging loan product

New 85% LTV bridging loan product...

A Loan to Value of 85% is now possible with Lendinvest, including fees and 12-month roll-up interest of 1.09% per month. Below is a recent case study for this product that also incurred a 2% lender fee...

Buy a vacant BTL and have up to 6 months to refurbish it using final rental figure for affordability

Buy a vacant BTL and have up to 6 months to refurbish it using...

A brand new product was launched on the 17th of January for landlords who want to carry out light refurbishments. Light refurb means new bathrooms, kitchens, and non-structural redecorations. These new...

5 year fixed rate Paragon mortgages from 5.25% with ZERO arrangement fee

5 year fixed rate Paragon mortgages from 5.25% with ZERO arrangement...

Paragon Bank has cut rates on five-year fixed-rate buy-to-let mortgages by up to 0.7%, reduced its reference rate and also made changes to minimum and maximum loan term criteria. The new rates WITH NO...

BTL Mortgages starting below 4%

BTL Mortgages starting below 4%...

CHL Mortgages has expanded its product range, and now includes standard buy-to-let two-year fixed-rate mortgages up to 65% loan to value that start at 3.65%! Now that is attractive compared to recent rates.

£ for £ remortgage with NO Interest Cover Ratio

£ for £ remortgage with NO Interest Cover Ratio...

In the current market, some landlords are struggling to meet the lender’s requirement for rental income to be 125% – 145% of the mortgage payment. This can leave some stuck on the lenders standard...

Landbay break the sub 5% BTL barrier!

Landbay break the sub 5% BTL barrier!

Landbay, the BTL powerhouse taking on the bigger lenders in the fold have released a 4.75% mortgage rate! This is undercutting a huge amount of other products currently available and will see them edge...

Are you a Birmingham Midshires customer?

Are you a Birmingham Midshires customer?

We remember the times when Birmingham Midshires allowed us to submit 100+ mortgage applications for one Client, in one week. Those were the days, but even now, with all of the new stress testing calculations,

Stop, read, contact – if you don’t there is a cost of delay!

Stop, read, contact – if you don’t there is a cost...

Unless you’ve been travelling around on Jeff or Elon’s space rockets recently, you would not have missed the chaos and turmoil in the mortgage market. In just the last week or so, major lenders pulled...

Coutts mortgages now available

Coutts mortgages now available...

Our high-net-worth Clients and Property118 members can now have access to Coutts via my team of Brokers. Coutts mortgages and services can be seen by clicking here The Key criteria for Coutts include a...

Life insurance, what types are they and what do they do?

Life insurance, what types are they and what do they do?

You may be surprised to know that life insurance isn’t always about death. There are several different types of insurance, they all do different things and are made to cover certain aspects of finance.

Why do I consider Landbay a specialist BTL lender?

Why do I consider Landbay a specialist BTL lender?

Landbay’s Buy to Let Mortgages proposition is new and improved for 2023 and their criteria list below shows why they should be considered a serious specialist lender for the property rental market.

Buy-for-Uni: How to be a student student landlord

Buy-for-Uni: How to be a student student landlord...

It’s that time of year when students will be looking to sort out accommodation for the upcoming year, so what better time to learn more about our Buy-for-Uni proposition? A Buy-for-Uni mortgage allows...

NEW Paragon 5 yr fixed rate for single units, HMOs and multi-unit blocks

NEW Paragon 5 yr fixed rate for single units, HMOs and multi-unit...

Paragon Mortgages have introduced a new 5-year fixed rate mortgage to their Buy-to-Let portfolio product range. With a fixed fee of £2495, this is perfect for larger loans which usually have to pay a...

Hinckley and Rugby BS – Reintroducing: Ltd Company Buy to Let

Hinckley and Rugby BS – Reintroducing: Ltd Company Buy...

New to the market, this new SPV Ltd Company Buy to Let mortgage product is designed to support existing, and would-be landlords, who are looking to maximise their borrowing potential. It will also benefit...

Release equity to keep the energy bills at bay this winter

Release equity to keep the energy bills at bay this winter...

The news headlines in the last few weeks have been filled with the concerning prospect of energy bills increasing. With the increase, how will you be trying to limit energy usage for you and your tenants?

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Friday 7th June 2013

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Bio

Principal of H D Consultants - national award winning Buy To Let Mortgage Broker of the Year - www.hdconsultants.net/awards

Mortgage adviser specialising in Buy To Let finance, HMO mortgages, portfolio funding, residential mortgages, life insurance and estate planning, since 1993

MD of Assured Funding Ltd., - specialist finance brokerage providing commercial mortgages, development finance, bridging loans, expat mortgages and also providing our Clients with access to private bank finance, peer to peer funding, pension fund lending

And in my personal life ..... husband, dad (3x children), rugby fan, sausage maker, 80's synth electronic fan, and custodian of a tortoise called Percy (think of Blackadder - and the long necked Lord Percy :-) )

H D Consultants is proud to have worked very closely with Mark, Neil and Mike for many years, and is a recommended mortgage broker on Property118.com