Progressive Landlords need a new kind of broker, a commercial broker.

Highly-geared client which we continue to help finance purchases and remortgages:

• £14,500,000 portfolio 

• £10,585,000 total mortgages (73% LTV)

Client has built up a portfolio of shops and flats above, renovating and repurposing buildings as he buys them and secures the planning.He wanted to release funds to continue purchasing.

• £3,300,000 value 

• £850,000 existing mortgage 

• £2,145,000 we refinanced

Clients had not developed a site in over 10 years. They required 100% funding of purchase price, fees and construction costs. We found a lender who would do this by taking extra security.

• £4,125,000 GDV

• £3,197,659 development loan (100% of costs)

• £928,000 net profit 

Client had trouble with their bank securing a commercial mortgage. We secured them a better rate and  higher loan-to-value.

• £682,500 mortgage 
• £1,050,000 value

Client buying a BNB with no experience requires 75% LTV. 

• £425,000 Purchase Price 

• £318,250 Mortgage 

Required 75% loan-to-value on a property which required work.  Experience was minimal.

• £937,500 mortgage 

• £1,250,000 purchase price

Client looking to refinance whole portfolio to release equity for inheritance tax planning and secure competitive interest rate.

• £6,500,000 value 

• £3,900,000 mortgage  

Client didn’t want the expense or additional logistics of the bank appointing a monitoring surveyor or sign of valuation GDV and all the necessary insurances, legal fees etc. We secured a large overdraft on his primary residences to fund purchases and development costs.

• £4,500,000 value of home 

• £2,925,000 overdraft facility 

Our client secured a new build block at a discount price. We secured them 75% LTV of the market value (not the block value or vacant possession) at competitive terms.

• £1,500,000 purchase price

• £1,125,000 mortgage 

We have landlords who are continuously buying, renovating and refinancing to grow their portfolio and ensure it is maximising its profitability. These are portfolios that are either highly geared (75%) or lowly geared and seeking the most competitive and flexible lender, e.g.

• Low-geared client which we refinanced with a private bank: 

• £27,000,000 portfolio 

• £11,610,000 mortgage (43% LTV)

Developer has been working with a high street bank for 10 years but requires a high loan to enable him to grow his business. We secured him 70% LTGDV at a competitive rate.

• £2,290,450 development loan 

• £3,272,075 GDV

We have helped a client over a 5 year period to grow their portfolio from 5 BTL’s to over 30, with a multi discipline portfolio of MUFB’s, Serviced apartments and Professional HMO’s, through gearing their portfolio. They now stand at:

• £14,500,000 Portfolio Value

• £10,585,000 Total Mortgages (73% LTV)