As you know our Buy to Let offering is exclusive to intermediaries. Our strong product range, including a remortgage only special product, and very quick service are just two reasons to think about using us when placing your next Buy to Let mortgage. You also have your dedicated contact for support in managing the cases [...]

Please be advised that we are refreshing the end-dates for our residential and buy to let (BTL) fixed products. We will extend all 2, 3, 5 and 10 year fixed products to 30 September for their respective end years. All changes will take effect from 9:00am on Tuesday 21 June, 2016. The latest range Click [...]

Crystal Specialist Finance (CSF) has completed one of its quickest deals on record, receiving the application at the NACFB Commercial Finance Expo 2016 and completing drawdown in under 24 hours. During the trade show a broker approached the stand with the requirement to source an unsecured business loan to raise working capital in order to [...]

Freedom Finance, enjoyed two consecutive record months for loans completed in March and April this year, signalling a growth in consumer confidence along with an increase in more flexible lending options available to borrowers. April saw over £17.9 million worth of loans completed through our ‘soft search’ loan system, beating the previous record in March, [...]

Commission rates through BUPA  will be 45% initial commission and 6% renewal. This will be payable on any business placed with effect from 8th June 2016. They will honour the higher commission amounts for any business placed up to 7th June 2016. We now have a direct agency with BUPA which means more support, commissions [...]

Please note under WPAs Terms of Business if an adviser is appointed to an existing WPA contract no commission is payable for the first 2 years. We understand this is a standard clause applicable to all advisers not specifically TRM advisers .

95% products available for house purchases Day 1 Valuations on all mortgages Max retirement age accepted – age 70 HTB fee free remortgage product Help To Buy – 75% LTV – specific HTB products – Property related capital raising up to 90% LTV Vendor deposits accepted up to 5% (applicant must always put in a [...]

The Buy to Let market is evolving that’s for sure.  There’s still uncertainty on the effect the recently introduced taxation regulation and the proposed regulation changes will have on the Buy to Let market, lenders, landlords and the client demographic. The relationship between the broker and the landlord is more important than ever as the [...]

The original calculation was 125% @ 5% for background BTL’s to make sure they were self-financing. NEW CALCULATION - A stress of the balance at a pay rate of 5.5% x 145%. If the rent is in excess of this, absolutely fine. If there is a shortfall, it must be included in affordability. (Please note [...]

This Week, Virgin Money have launched a new national marketing campaign to champion intermediaries. They understand that many customers need a mortgage advisor to help them make their mortgage decision but don’t always know where to find one. That is why they have a built a new website, findamortgagebroker.co.uk – pointing customers in your direction [...]