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Sep, 2014

Wednesday

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  1. Thread: Caveat Emptor

    by hech123
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    56

    Well there are certainly enough shady firms to...

    Well there are certainly enough shady firms to justify this. Most seem to be using Aldermore from what I have seen but I am by no means familiar with most of these firms
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    Yes some rates can be poor but the main...

    Yes some rates can be poor but the main attraction is the speed they can do deals and also the loan to values. I am still researching it but I am only getting 50% region loans from major banks at...
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    85

    Peer to peer lending

    Hi All

    Has anyone tried peer to peer lending for BTL loans or any other loans? There are a number of new lenders doing bridging loans and BTL loans on this basis and I have been looking in to...
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    If your in London I would not worry as you will...

    If your in London I would not worry as you will get plenty on interest and a number of bidders. I have only sold one at auction and the valuation person came out and said what he thought the reserve...
  5. You don't have to tell me that, I've just got out...

    You don't have to tell me that, I've just got out of an interest rate swap that the bank mis-sold me, it was costing £4000 per month!! fortunately for me the house of commons decided these products...
  6. Very wise I think

    Very wise I think
  7. Totally agree. Your usually dealing with a very...

    Totally agree. Your usually dealing with a very large bank and it can have its advantages but is also fraught with risk and not for the faint hearted. The larger you get the more ruthless they get...
  8. Hi Hippo. What you refer to is called a hunting...

    Hi Hippo. What you refer to is called a hunting fund usually. You are right that you have to be pretty large to have one of these. How it works is usually you will have a portfolio all with the...
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    293

    No ideas? surely someone has worked with Joint...

    No ideas? surely someone has worked with Joint ventures before?
  10. Hi, in my opinion rent and rates will rise at the...

    Hi, in my opinion rent and rates will rise at the same time or close to it. Mark Carney has stated and it is pretty obvious in any case that rates can not rise until wage inflation does, other wise...
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    Is you planning application approved? If so then...

    Is you planning application approved? If so then obviously this would be taken into consideration within any valuation. Lenders are pretty cautious with this kind of thing currently, I would advise...
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    Investing in the regions is a very good idea. I...

    Investing in the regions is a very good idea. I am based up North and we are just in the first phases of growth so you could see some real capital appreciation over the next few years in my opinion,...
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    Paul use this as a warning, they will not...

    Paul use this as a warning, they will not consider them for good reasons. They look good but require huge management and never work out the way you plan - at least that's my experience with them
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    If the friend is needing to lend the money then...

    If the friend is needing to lend the money then we can assume he does not have this money himself. If interest rates move or if he fails to sell the property then things could easily spiral out of...
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    How to find further investment

    Hi All. I was just wondering if anyone had any ideas on how property companies could find further investment? We currently do deals/Joint ventures with other investors and these are very successful...
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    Not a bad rate of return but the risk is massive,...

    Not a bad rate of return but the risk is massive, you have a very real chance that the money will not be returned. Investing is Risk Vs Reward. You are getting a massive downside and they are...
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    Yes I have experience of Aldermore and the broker...

    Yes I have experience of Aldermore and the broker did say these would do some sort of loan but it would need to be on a portfolio basis - 3 or more properties at a time. I may have some Paragon...
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    Hi Loan arranger. I recently (12 months back)...

    Hi Loan arranger. I recently (12 months back) was told by a Mortgage broker who is very experienced I could not get a buy to let and would only be considered for portfolio finance. I have about 145...
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    520

    Agree with Gordon, you will always regret it when...

    Agree with Gordon, you will always regret it when you come to sell. Its cheap for a reason and you will not get great re-sale value!
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    I would suggest commercial finance - Lloyds,...

    I would suggest commercial finance - Lloyds, Santander, Barclays are in the market or a more risky specialist lender such as Aldermore, there will be higher costs with them and you will have to use a...
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    Most professional landlords do not use buy to...

    Most professional landlords do not use buy to lets. Once you get over say 20-40 properties it becomes very difficult to obtain this type of finance. It is a hugely complicated question as it all...
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    re finance as often as is viable. Obviously if...

    re finance as often as is viable. Obviously if values have not gone up there is no point. The prices will change depending on the supply/demand for money
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    Hi You only want to be looking at the limited...

    Hi

    You only want to be looking at the limited company option if you are getting taxed at 40% otherwise the cons by far out weigh the benefits. Don't forget you will lose all your capital gains...
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    Location, Location, Location

    Location, Location, Location
  25. Obviously in between the lots is ok

    Obviously in between the lots is ok
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