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We are seeing an increasing trend of lenders offering a  “green” version of their buy to let finance product offerings. This is  via discounts to both set up fees and in some cases an increase in the amount a lender is willing to lend. Generally, a “Green” buy to let mortgage is available  for clients who have properties with Energy
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Orkney BTL

March 15, 2022
We received an enquiry from an experienced property landlord, mainly working within the holiday let sector.  He was looking to expand and diversify his portfolio by purchasing a 4 bedroom cottage to be used as a standard buy-to-let on an AST basis. The only ‘problem’ was that it was located on the beautiful island of Orkney which is out of
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Bank could rein in rate hikes despite inflation fears – according to the Evening Standard. Experts believe the Bank of England may scale back interest rate rises due to the conflict in Ukraine, with analysts at ING saying there has been a “massive” re-pricing of interest rates in the UK, with markets now betting on rates rising from 0.5% to
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It is surprising what is considered by many buy to let lenders as a “non-standard” case. Issues that we see include:- First time buyers; Portfolio landlords (excluded by many lenders) Properties to be refurbished; Adverse credit issues; Multi-unit blocks (apartments and HMOs) Remote locations away from main population centres; Scottish property; Low personal income on tax returns. Lenders affordability criteria
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Investment Portfolio

February 8, 2022
In 2021, we assisted with the purchase of 2 BTL properties for a first time landlord looking to build an investment portfolio.  As a non-owner occupier it was out of criteria for several lenders but her strong financial position enable us to source 75% loans with rates from 1.89%. Along with her business partner, she has now formed a Limited
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The news on the street is that another rise in Bank of England base rate is pencilled in for their February meeting – the result of which is due on Thursday 3rd February. Consumer price inflation rose to 5.4% in the year to December 2021 and expectations of inflation becoming an ongoing rather than temporary issue are starting to rise.
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More good news !!

January 21, 2022
So more good news in the commercial finance world for commercial mortgages. Hopefully the much talked about “Blue Monday” effect is already receding but to help the week further on its way, here is some more good news! So you may (or may not) know that in the Autumn 2021 budget, the government Recovery Loan Scheme has been extended –
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To combat the supposed “Blue Monday” condition much talked about yesterday, we have decided that it should be good news week – as least as far as commercial finance is concerned! So what is good this week in our world? Well the first thing is falling rates. Despite the wider market sentiment that rates are going up, we have seen
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We were approached by a residential mortgage broker to assist their client in purchasing a property in West Yorkshire that they could rent out as a ‘party house’ holiday-let. The client, already had a small BTL portfolio and they were looking to expand this and take advantage of the recent increase in the holiday staycation market.    Whilst they had some
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What are the best options for property investment loans? There is continued anticipation of a rise in interest rates. It is still possible though that increases may be delayed if the new Omicron variant causes further Covid related economic problems. But it still seems highly likely that the Bank will have to step in shortly to address the increasing threat
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