Case Studies - Buy to Let
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First Time Buyer
Max aged 21, already owns his own expanding hairdressing business. Max was keen to invest in property like his grandmother, but had neither any other property assets nor a deposit to secure a buy to let mortgage.
Although profits are still too low, Max was able to make his first property investment with the help of his grandmother, who owns substantial equity in four properties.
We were able to refinance one of his grandmother’s properties and enable Max and his grandmother to complete their first buy to let purchase in their joint names.
This solution is also very useful for Max’s grandmother’s estate planning. In time, granny will gift further deposits to Max, now that he is recognised as an experienced landlord by a number of lenders.
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Second Property
Second home seekers Lucy and Charles had found their dream getaway, which they proposed to finance by downsizing and taking out a second mortgage. When their buyers had to pull out, causing the chain to collapse, Lucy and Charles were distraught.
We were able to arrange a Let to Buy mortgage which funded the deposit for the new purchase and provided an additional income from the surplus rents once the mortgage interest had been paid.
This second property now forms part of their retirement planning
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Leveraging Portfolio
Kevin & Fiona own several investment properties. Although they had extensive equity in their portfolio, they lacked available capital for further investment and were unsure about the recent and impending legislative changes since their last property acquisition.
Reviewing the portfolio identified properties where we were able to release the required capital on low fixed rates, to provide deposits for new purchases, whilst retaining stability.
The new purchases were acquired via a newly formed limited company, taking into account the tax changes being introduced in 2017.
Testimonials
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Some buy-to-let mortgages and commercial mortgages are not regulated by the Financial Conduct Authority.
YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.