LandlordZONE

27

Jul, 2016

Wednesday

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  1. Replies
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    325

    Try Googling Sale and Rent Back (SARB) which is...

    Try Googling Sale and Rent Back (SARB) which is what it is normally known as, and yes you need full FCA authorisation to do that sort of business.
  2. have done so

    have done so
  3. Have sent you a pm

    Have sent you a pm
  4. The underlying result of this is that B2L rates...

    The underlying result of this is that B2L rates are likely to rise to allow lenders to maintain European broad brush capital adequacy rules as this sort of lending will be akin to commercial.

    This...
  5. From the consultation paper you shouldn't be...

    From the consultation paper you shouldn't be charged any extra stamp duty, future residential purchases post 1st April in your own name and you almost certainly will.
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    1,139

    Going through a broker like us would cost you...

    Going through a broker like us would cost you more in fees but this can be offset by the time they can save you and sometimes (not always) they can achieve a slightly better deal than going directly....
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    1,139

    Only if the best advice is to refinance the lot...

    Only if the best advice is to refinance the lot in one go
  8. Replies
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    1,139

    hech123, Most commercial lenders are more...

    hech123,

    Most commercial lenders are more picky than the B2L ones, often lend at no more than 70% LTV and prefer capital & interest repayments. They will also look at portfolios of lower value...
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    5
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    422

    As a borrowing medium they are brilliant as long...

    As a borrowing medium they are brilliant as long as you get the right one and we have on many occasions arranged funding for successful companies where their bank wouldn't help, they are not a lender...
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    422

    As far as I am aware there is no upper limit on...

    As far as I am aware there is no upper limit on peer to peer (or any other 'cash' investments) you can do what you wish with your money. Various platforms may have imposed their own limits but...
  11. esco - I suspect if you can get a high street...

    esco - I suspect if you can get a high street clearing bank to play ball they would want a charge on your house as well as the property you are buying to flip, and will ask so many questions that it...
  12. It is always easier with 2 even if the same...

    It is always easier with 2 even if the same lender could do both together as it allows you to easily sell one in the future without the cost involved in revaluing the residual security for your...
  13. Yes they can for commercial property, not for...

    Yes they can for commercial property, not for residential and you need to talk to someone authorised to advise on pensions as to the last point to find out what your options are.
  14. Replies
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    1,447

    They are not ALL fixed and would probably argue...

    They are not ALL fixed and would probably argue most aren't. The banks will give you a longer fix as they buy a specific tranche of funds for you at the point of drawdown for as long as you wish. ...
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    Bear in mind firstly that fixed rate facilities...

    Bear in mind firstly that fixed rate facilities are not quite as attractive as they are with the B2L providers, as you will be limiting your lender market to those who will lend to companies and the...
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    971

    Is that what your accountant advises, and is...

    Is that what your accountant advises, and is he/she a property specialist?
  17. It wouldn't be mortgage fraud until you moved...

    It wouldn't be mortgage fraud until you moved into it yourself but as the recent financial climate has meant an awful lot of individuals can't get a proper residential mortgage there has been a fair...
  18. Mortgagees don't necessarily go for possession as...

    Mortgagees don't necessarily go for possession as it then crystallises the debt and they often have to make a provision in their books. It is often easier to take control by appointing a Law of...
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    Apart from LTV's topping out at around 75%,...

    Apart from LTV's topping out at around 75%, shorter interest only periods and marginally higher pricing there isn't a great deal in it.

    You will end up giving personal guarantees anyway but...
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    hech123 is right - there is no way you would be...

    hech123 is right - there is no way you would be able to borrow that sort of amount on what is essentially a commercial proposition (you have let it on a commercial lease after all) with a rental...
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    Seems like a result

    Seems like a result
  22. Replies
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    457

    If the property in in the SE some valuers are...

    If the property in in the SE some valuers are taking up to 3 weeks to get there as they are covering holidays and more demand than a few years back. A lot of lenders have also restricted their...
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    i agree with loanarranger - don't get caught out...

    i agree with loanarranger - don't get caught out using the wrong funding to pursue your ambitions, what you need is bridging as if you do get B2L funding you are likely to be clobbered with early...
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    You are looking at two parts here, the...

    You are looking at two parts here, the development phase and the long term finance phase. The latter would involve what sort of B2L funding you could get on a series of flats in one location...
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    Simply put - No - firstly as an HMO your market...

    Simply put - No - firstly as an HMO your market is a little narrower and secondly you have what is essential a major refurb/development on your hands which is not the sort of work the standard B2L...
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