Our primary goals are to understand your income, plan with you and your representatives (if required) and know which banks have the required appetite for lending that suits you.
We can arrange finance with and without AUM (Assets Under Management). Over the years it is no longer a requirement with private banks to have AUM however dependant on your profile it may strengthen the application.
Lending for our private clients is a bespoke service. We can advise you on the options available and we work with you and the lenders to achieve the required lending levels.
Professional mortgage products are aimed at borrowers in specific professional occupations. In today’s market, all lenders tend to use their own affordability calculations to calculate how much they are willing to lend, however some lenders offer exclusive mortgage products available for those in professional employment which offer reduced rates, fees and processing time. Depending on the professional, many lenders may offer qualifying applicants a range of better deals, mainly due to being viewed as lower risk therefore your career stability and reliable income can help you save money.
With over 15 years experience in dealing with professionals such as doctors, dentists, barristers and military personnel we are able to negotiate directly with lenders on your behalf to ensure you get the right mortgage.
Offshore mortgages is mortgages for clients who live overseas (it can be both UK ex-pats and non-UK citizens alike), who are looking to purchase or remortgage a property within the UK.
This type of lending is generally aimed at clients whose main income comes from outside the UK or not resident in the UK for tax purposes.
Ex-pat mortgages are designed specifically for UK nationals who now reside overseas.
An offshore mortgage would be suited if you are a non UK citizen and would like to purchase a residential property in the UK (for family or when you are travelling). Another option is if you are thinking to purchase and investment property in the UK in either your personal name, a UK limited company or offshore company we can assist in most cases.
What is a Portfolio Landlord? If you own 4 or more mortgaged properties (in your own name or in a Limited Company) you are classified as a Portfolio Landlord.
If you own less than 4 then generally you will be classified as a private landlord.
Our portfolio specialists understand lender criteria and market conditions and work with you to achieve your goals, wether it is to refinance one of your properties or to re-structure your entire portfolio.
Buy-To-Let property can be purchased through a Limited Company or Special Purpose Vehicle (SPV) and can be tax efficient.
Corporation Tax is set at a rate of 19% (2020 – 2021) and this is the rate you’ll be charged (unless of course the Government change the rate of Corporation Tax).
Additionally with Ltd company purchases, you can offset a variety of expenses against the income that you can’t with a personally owned property.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT
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