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Started by loanarranger, 23-12-2015, 19:43 PM
312 responses
22,363 views
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Last Post loanarranger  
Started by propertyboy, 22-02-2020, 23:04 PM
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Last Post propertyboy  
Started by Clulass, 14-02-2020, 22:10 PM
7 responses
55 views
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Last Post bob369
by bob369
 
Started by jackboy, 19-02-2020, 12:57 PM
8 responses
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Last Post loanarranger  
Started by Jammy99, 16-02-2020, 19:19 PM
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Last Post jpkeates  
Started by utolti, 16-02-2020, 21:37 PM
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Last Post utolti
by utolti
 
Started by Dan I, 16-02-2020, 15:30 PM
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Last Post jpkeates  
Started by loanarranger, 13-02-2020, 14:15 PM
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Started by Andy123-4, 10-02-2020, 19:22 PM
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Started by loanarranger, 11-02-2020, 12:28 PM
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Started by platforminc, 10-02-2020, 16:41 PM
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Latest Topics

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  • Risk of bridge lender pulling out after exchange
    by propertyboy
    Hi all,

    I am looking to buy a property in auction.

    What does a bridge lender require to give an agreement in principle? Then from here if I was to win the auction, what conditions need to be met to drawdown? Is the offer conditional on the lenders valuation/legal/structural...
    22-02-2020, 23:04 PM
  • Mortgage query for house purchase that isn't yet an HMO?!
    by Clulass
    Hi all,

    I'm looking to buy a terraced house which isn't currently an HMO, but I'd like to convert it to an HMO and apply for a licence from the local council (which will be required due to Article 4).

    No guarantee that licence will be granted (subj to a consideration on if...
    14-02-2020, 22:10 PM
  • Reply to Mortgage query for house purchase that isn't yet an HMO?!
    by bob369
    I am in a similar position, but am on bridging - which has been extended once, absolute deadline to move off is mid May - so 2 3/4 months away.

    I am already an HMO landlord of many years, with one licensed HMO under my belt.

    Property is being converted to two flats, for which...
    22-02-2020, 12:32 PM
  • Transfer of equity
    by jackboy
    Hello, I've been trying to sort out my structure for a while and keep hitting dead ends and so i thought i would see if anybody on here has any suggestions. I have a number of properties held jointly with my brother and a number held in a limited company. I want to transfer the personally held properties...
    19-02-2020, 12:57 PM
  • Reply to Transfer of equity
    by loanarranger
    To qualify further my previous comments , I believe your mortgage may be held by Jasper Mortgages, a subsidiary of Topaz Home Loans.
    I am presently handling a substantial mortgage portfolio wherethe borrower sadly died unexpectedly and Jasper Mortgages ( Mortgage Express ) is one of the 16 lenders,...
    21-02-2020, 18:19 PM
  • Reply to Transfer of equity
    by loanarranger
    It the lender acquired the MX mortgage book , then there will be no amendments allowed , so far as they are concerned they want their money back sooner rather than the mortgage term,and will not permit any variation to the current position. This is standard practice for any close mortgage lender including...
    21-02-2020, 17:55 PM
  • Reply to Transfer of equity
    by jpkeates
    The mechanism of moving properties into a partnership and then into a company is offered by companies as a solution to the problem of incorporating personally owned property into a business without paying a whole shedload of CGT.

    That would solve a number of issues for me and I have looked...
    21-02-2020, 16:22 PM
  • Ltd Company BTL Mortgage Rates vs, Personal BTL Mortgage Rates
    by Jammy99
    Hi all, so I'm weighing up whether to go down the Ltd Company BTL route vs. the Personal BTL route. However, I'm struggling to find descent mortgage interest rates. I'm aware that personal BTL interest rates are lower eg 2.3% vs Ltd company at 4.71%. So, my question is what is the best Company BTL interest...
    16-02-2020, 19:19 PM
  • Reply to Ltd Company BTL Mortgage Rates vs, Personal BTL Mortgage Rates
    by jpkeates
    That's a huge advantage.
    It's a business - it's just an investment business rather than a build/buy and sell business.

    Loanarranger is right, that your particular situation will be unique and so the right route isn't necessarily right for anyone but you.
    And things don't stay...
    21-02-2020, 16:14 PM
  • Reply to Transfer of equity
    by AndrewDod
    I'm pretty sure that ^ is not correct, as are some other parts. In the first place, your brother is the person initially getting rid of assets - the fact that you are incorporating has no relevance to his tax liability. Second even if you could persuade HMRC that what you are doing is reasonable (if...
    21-02-2020, 15:21 PM
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