Howard Reuben CeMap CeRER

Registered with
Friday 7th June 2013


Trading Status
Sole Owner

Providing essential rental accommodation since

Insures properties through a broker recommended by Property118

Latest Comments

Total Number of Property118 Comments: 346

Howard Reuben CeMap CeRER

9:23 AM, 3rd December 2018
About 2 months ago

Howard Reuben CeMap CeRER

9:20 AM, 22nd October 2018
About 3 months ago

Freehold maisonette above a shop - mortgage nightmare?

Hello Henry

The way you describe the property it will be deemed to be a 'semi commercial' property with you owning the whole freehold which includes part residential and part commercial.

If the resi part was also to have it's own lease (in the same way you say the shop has it's own lease), then you can remortgage the maisonette separately, and there will be many lenders on our residential mortgage panel who would be able to help you.

Alternatively leave the title 'as is', and we can then help you via the alternative route from our commercial mortgage lenders instead.

Contact us via my profile link anytime to discuss further. One way or the other, I can assure you the Halifax (albeit a great lender) is not the only one, based on the brief info you have told us about so far.

Howard... Read More

Howard Reuben CeMap CeRER

16:15 PM, 5th August 2018
About 6 months ago

Bank of England Base rate up to 0.75%

Reply to the comment left by H B at 04/08/2018 - 10:18
And hopefully many will also take independent mortgage advice from specialist BTL brokers who help borrowers to rebalance their portfolio, reduce overall costs, secure best value mid to long term rates and provide an ongoing review service which enables borrower / investor to implement and retain control over their asset/liability situation.

Now .... where could we find such a Broker? 🙂

ps. If my subtle penny dropping didn't work, you can find a Team of Brokers via my profile link above ;-)... Read More

Howard Reuben CeMap CeRER

15:01 PM, 5th August 2018
About 6 months ago

No mortgage choice for portfolio landlords

Reply to the comment left by Monty Bodkin at 03/08/2018 - 13:57
Hi Monty
I left TMW off the lst because I think the original post referred to it anyway "TMX probably will do it for 2.64% but with a massive £1995 fee!" I think he made a spelling mistake from TMW to TMX, but as he referred to TMW anyway, so I didn't need to do that again.

Ok, so for clarification, yes, TMW also offer no max (number of property) portfolio mortgages (albeit they do restrict borrowing in max £'millions).

New, remortgage and product switches for ALL of the above lenders are available via my Firm.

Click on my profile and contact us via the enquiry form anytime.

Howard... Read More

Howard Reuben CeMap CeRER

12:44 PM, 3rd August 2018
About 6 months ago

No mortgage choice for portfolio landlords

I am very surprised that a whole of market broker (if indeed yours is - not all brokers are) could not provide you with this list too;
Bath BS
Bluestone Mortgages
Cambridge and Counties
Family BS
Fleet Mortgages
Foundation HL
Stafford Railway BS
Tipton and Cosely
Vida HL
...... all of which have NO MAX PROPERTY PORTFOLIO SIZE RESTRICTION and who we have access to for you and all of our Clients.
And from the whole market I can possibly get you a 5 yr fixed without any lenders arrangement fee at 3.09%.
But this all depends on;
subject property LTV
aggregate LTV across portfolio
rental stress test
how many properties in your portfolio
how much you owe in total
whether individual or Ltd Company borrowing
etc etc
As Neil said, a full fact find (with a specialist BTL broker Firm - see my profile 😉 ) is the starting point.
Hope that helps.
Howard.... Read More