All posts by Malcolm Jones

New Specialist Buy-to-Let Lender...
A New Specialist Lender has entered the BTL mortgage market called Quantum Mortgages.
With so many of the current lenders declining mortgage applications for properties that don’t fit their tick-box...

Maximise rental income and capital value with a...
A Refurbishment Buy to Let product helps landlords maximise rental yield by refurbishing a property whilst it is vacant.
This product brings together the flexibility of bridging finance with an exit...

5 Year Fixed Rate BTL with no Early Repayment Charges...
The new range is available from 17th January on mortgages up to 80% loan-to-value (LTV). These benefits landlords who want increased flexibility when financing property.
The early repayment charge...

Over-55’s turn their homes into cash as costs are driven...
Low interest rates for equity release mortgages, coupled with rising house prices, have made it much more cost-effective for over-55s to release funds from their properties.
Many over 55s, who were...

Act Now before rates rise – Don’t delay...
The Bank of England Base Rate is currently at an all-time low at 0.1% and this has led to mortgage rates being at all-time lows. Interest rates change over time, just over 30 years ago the Base Rate...

Buy to Let Limited company criteria...
When setting up a Special Purpose Vehicle (SPV) for your Buy to Lets it is important to use the appropriate SIC Code. (A SIC code is a five-digit Standard Industrial Classification code. There are...

How To Get a Bigger Loan on Low Yielding Rental Properties...
If a landlord wants to raise maximum finance on a property with a very low rental yield, the mortgage amount might well be restricted based on rental income. However, with “Top-Slicing”...

A Smart Way To Pay For Tax and National Insurance Increases...
To ease the pressure on the NHS the Government is increasing National Insurance by 1.25%, which means that your contribution will actually increase by more than 10%. But how will you find the funds to...

Interest rates reduced on 80% LTV specialist Buy to Let...
Interest rates have recently been reduced on 80% LTV Buy to Let mortgages.
Below is a small selection of specialist BTL deals:
EPC Specials: if you have a property that is rated EPC A-C, benefit from...

Bridging Finance for Savvy Property Investors and Developers...
Bridging finance can best be described as relatively short-term loans, normally for periods of between one and eighteen months.
Today, the cost of bridging finance is at its lowest point ever.
Main...