All posts by Malcolm Jones
Maximise Rental Yield and Increase Capital Value of BTL’s...
With the 3 main changes within the BTL market:
1. The introduction of the 3% stamp duty on second properties
2. The phasing out of the tax deductibility of mortgage interest payments through section 24...
Rates on post BICT incorporation BTL products reduced...
We had a very positive meeting yesterday with one of the lenders who can do post BICT incorporation refinancing. Their product offering is soon to become even more competitive in the wider BTL market.
New Refurb BTL to help maximise rental yields...
A new refurb buy-to-let proposition has been launched designed to help landlords maximise rental yields by refurbishing a target property before renting it out, as well as enabling them to take value from...
Pragmatic and straightforward commercial approach...
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...
The Growth of 2nd Charge Loans...
There are many reasons as to why 2nd charge loans are becoming increasingly popular. A second charge mortgage can offer an ideal solution to a remortgage, further advance or an unsecured loan. Today second...
Bridging and Development Finance Seminar...
I would like to personally invite all Property118 readers to our Seminar in association with Shawbrook Bank to understand more about commercial finance and in particular focusing on Bridging and Development...
Which Commercial lenders are hungry for business?
Did you know that commercial lenders have three main categories of manager called Hunters, Farmers and Retailers?
This is very relevant if your business is dependent upon knowing which commercial lenders...
‘Lending for Refurbishment Costs’ – up to 100%...
Shawbrook Bank the specialist property investor lender has released a light refurbishment option called “Lending for Refurbishment Costs”, to their STL range and is a unique approach to this...
Are Brokers the New Bankers?
Long gone are the days when you could approach your bank manager and they would use their discretion regarding granting a loan.
Bank lending to small and medium-sized businesses has shrunk substantially...
Equity Release/Life Time Mortgages...
Question: Why is Equity release such an attractive option for Homeowners?
Answer: Because it can be the solution to many quandaries
Equity Release is a means of retaining your home, whilst obtaining a...
Mezzanine Finance – a solution for building homes outside...
The UK housing shortage will not be successfully addressed if we rely entirely on the major house builders. This is the view that was expressed by the government housing White Paper at the beginning of...
Focus on purpose-built student accommodation...
Student accommodation is attracting billions of pounds of investment each year, with the purpose-built student accommodation (PBSA) sector, in particular, growing in popularity.
Student expectations for...
Bridging Rates at All Time Low...
The cost of bridging loans have been reducing over the last 5 years. Rates now start from 0.49% pm and therefore they are no longer seen as a lender of last resort.
Also their use has changed from just...
Headline Mortgage Rates for Limited Companies...
Limited Company BTL mortgages are now available up to 85% LTV and rates start from 3.09%.
The buy-to-let market has been hit by numerous tax changes in the last couple of years. Two of the main ones being:...
High Net Worth loans for people with capital tied up in assets...
The Financial Conduct Authority (FCA) defines a high net worth individual as someone with an annual net income of no less than £300,000 or with net assets of no less than £3,000,000. These net assets...
Shawbrook launch 55 plus interest only mortgage...
The Financial Conduct Authority (FCA) have estimated that 600,000 home owners will have their interest only mortgages come to the end of their term requiring repayment before 2020 and that nearly half...
Releasing capital for business investment...
If you are looking to raise capital to invest in a business, you could use the equity in your home using a second charge loan.
The Mortgage Conduct of Business rules (which were established in 2004 by...
A Developing Opportunity...
2017 may be proving to be a tough year for Buy to Let landlords, who face increased taxation by the HMRC and a more stringent lending environment as a result of PRA changes, but there are alternative areas...
How to increase your BTL borrowing capacity...
One of the biggest hurdles faced by Buy to Let investors is achieving the level of borrowing they need to buy the property they want.
This has become a bigger hurdle in recent months thanks to the PRA...
Holiday Lets avoid Section 24 mortgage interest relief reductions...
The increasing tax burden on Buy to Let is encouraging many landlords to investigate alternative ways of investing in property and an increasingly popular option, particularly with the rise of Airbnb,
BTL in the UK is becoming a more achievable goal for many ex-pats...
Buying investment property in the UK is becoming a more achievable goal for many ex-pats as a weakened pound has increased the buying power for those who are remunerated in other currencies.
There are...