If you’re looking for buy to let, second charge loans, or bridging finance, you’ll have specialist requirements that set you apart from a standard residential purchaser.

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Buy to let

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Whether you’re an experienced landlord or just starting out,  you’ll have specialist requirements that set you apart from a  standard residential purchaser.

We can access the major lenders in the buy to let market  including those specialising in lending to professional landlords.  We’ve also developed relationships with general insurers who’ve designed specialist landlords’ buildings and contents policies.

 

Please note that some buy to let mortgages are not regulated by the Financial Conduct Authority.

 

Second charge loans

 

Second charge loans can be secured against residential or  buy to let properties. They are provided by specialist lenders  and are generally short-term loans secured against the property,  but where the lender has second call on the property if the  borrower defaults. Second charges tend to be more expensive  than ‘firsts’. However, they can still be the best option for people seeking to raise capital – but whose main lender is unwilling to  provide further finance, or where expensive early redemption  charges would be incurred.

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Bridging finance

 

A bridging loan is taken out to ‘bridge’ the gap between the  purchase of a new property and the sale of an existing one.  Loans are generally short-term and secured on the existing  property, but repaid as soon as this is sold.

‘Bridges’ may help you secure your new property, but you  should be aware that they can be expensive and if the sale  of your existing property falls through, you will be left paying  two loans at once. Some bridging loans are not regulated by the Financial Conduct Authority.

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THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR PROPERTY. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.