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loanarrangerVerified Poster
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Last Activity: 15-11-2019, 17:35 PM
Joined: 14-02-2014
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  • Lenders providing Investment Valuations are;-
    Paragon Bank
    Foundation Home Loans
    Keystone Property Finance
    Shawbrook Bank
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  • loanarranger
    replied to Mortgage News
    As promised here is the market update on the increased number of product / rate changes introduced this week for Buy to Let Mortgages.
    Accord made changes acrosstheir 2/3/5/7 year Fixed Rates with cash back offerings on certain products, an attractive 1.85% 2 yr fix is available at 75%.
    ...
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  • loanarranger
    replied to Force of sale
    There speaks a very wise Owl Royw.Sometimes parents act in a very proactive way even after one has flown the nest.
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  • Ram , a great post , I would also add that he defended Russia when they murdered a person in U.K. by poison , defended the actions of Hamas against Israel . With a serious communistic bias can the electorate be so gullible ? Completely off topic butour respective livelihoods are seriously at risk if...
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  • I seldom disagree with posters particularly a first time responder but remortgaging to raise additional monies on an unencumbered property to reduce the LtV on the new purchase to benefit from lower rates is slightly misleading.
    The difference between borrowing at 60% on a 2 yr fix and at 75%...
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  • Can I make observations on sections 12/13 &14 which I believe to be somewhat misleading.My comments are focused on BtL mortgages since these are Unregulated loans whereas Residential Homeowner mortgages are regulated and subject to different conditions as applied by the Financial Conduct Authority...
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  • Labour intends to “WATER DOWN” Tenants Right toBuy

    Whilst almost choking on my breakfast cereal I read the following article on John “ Grabbit & Taxit” McDonnell new proposals , It beggars belief the hutzba of this individual.

    McDonnell waters down tenant Right to Buy plan

    By Leah Milner6th November 2019 9:56 am
    Labour shadow...
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  • If you have the 25% deposit and the rental meeting the average rental stress calculations then for the moment do not tap into the equity which exists in your first property.
    If you are prepared to disclose purchase price and estimated rental I will gladly research your funding options without...
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  • loanarranger
    replied to New Landlord
    Gordon999 makes an interesting point regarding property in London , particularly in the locality of Docklands , an area which I am actively involved on behalf of several overseas clients who bought flats a number of years ago.
    Despite the utterances by senior bankers , the transfer of labour has...
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  • loanarranger
    replied to Mortgage News
    Thanks for your post, unfortunately 12 months is a little too long for a lender to agree to a Product Switch , there are however a few that offer such facilities within a few months of the present deal maturing: if you would like to disclose the lender either on this page or by Private Message I will...
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  • loanarranger
    replied to Mortgage News
    We are now really into the time of year when lenders are keen to build their mortgage pipelines to carry them over the Christmas hump of low business activity.

    In the last ten days I have identified 9 leading lenders in both sectors of mortgage funding who have either reduced mortgage rates...
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  • loanarranger
    replied to New Landlord
    Investment in property has in reality to be viewed as long term and therefore what goes up can indeed go down before hopefully going in reverse.
    Over the years I have viewed that whilst low value properties offer the potential of providing higher yields, the same cannot always be said for capital...
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  • loanarranger
    replied to Mortgage News
    Potential Help for Residential Mortgage Prisoners

    Whilst not Germain to the forum and Landlords , I feel that the following briefing note on possible help to "Mortgage Prisoners" is something which might be relevant to one's family or indeed close friends and provide a degree...
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  • Given that there are always going to be variables exercised by lenders in relation to criteria on Ground Rents I would suggest asking either the broker, if going though one, or direct with lender to determine their respective criteria on GR’s before having to submit an application and paying the associated...
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  • loanarranger
    replied to Mortgage News
    An interesting article which appeared in a mortgage trade publication to day with results prepared by BVA BDRC, it does go someway to confirming my previous observations that lenders are increasingly concerned at their apparent failure to generate the levels of applications to enable them to hit the...
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  • loanarranger
    started a topic Dubai

    Dubai

    Someone recently enquired about raising money for investment in property located in Dubai, unfortunately I couldn't trace on the forum , whilst not strictly within the finance section I thought I would post the majority of an article which appeared in Bloomberg , the contents of which should be seen...
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  • Let us deconstruct and then reconstruct to determine costs.
    Firstly is the property habitable and importantly Lettable , If no then funding the acquisition will have to be achieved with a Bridging Facility , normally limited to 75% of the purchase or valuation at an interest rate of approximately...
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  • JamesHopeful makes a very valid point regarding obtaining mortgages based on the investment valuation basis , regrettably there are only a very small number of lenders who operate this facility, the remainder choosing to base the valuation as if it is occupied as a single family dwelling unit even though...
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  • Here is an extract from the CML Handbook , a worthwhile publication for anyone interested in lending etc.
    The extract relates to Accord but the site details policy of most lenders.
    clearly there is serious concern over the current leases and the criteria for adjusting Ground Rents and looking...
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  • BofI have taken a pragmatic approach to your applications , but as I mentioned in my previous posting there are other lenders who do make the release conditional on the exchange of contracts for the new purchase.
    Alway good to hear of outcomes following the original posting and particularly when...
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