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  1. Hi everyone, I am a non-resident and a non-citizen looking on to investing on a property in UK. So I was wondering that if I pay cash 100% and I remortgage the property, there's a 6 months cooling period right? 1. So I would like to know if it is true that you cannot use the money from remortgaging and cannot be taken as cash? 2. In this case you can only use the money in investing to another property? Does that mean if I pay 100% in cash then remortgage a property, I'll have the 75% back which then has to be used to invest on 3 different properties given that 25% equit
  2. Hi there, we are looking to purchase a buy-to-let in Glasgow. My partner is from there and his sons live there. We have a few buy-to-lets in Nottingham, but our broker does not understand the Scottish system and the lenders he uses with don't work with freehold flats - this is much more common in Scotland than it is down south where flats tend to be leasehold. Can anyone recommend a broker in Glasgow? Thanks in advance, any help would be much appreciated.
  3. I need a recommendation for a loan broker to finish a house full renovation. It is an investment, not the house where I live. My location is North Buckinghamshire, so ideally the broker would be around Milton Keynes, Aylesbury, or even Oxford. Actually, I have never done this before and I am not sure if brokers have to be local. Thanks for advice. Lucio
  4. Hi all, Huge fan of the community. I'm approaching my first remortgage on my first property (residential). I'm looking to refinance after rennovating it over the past two years to get my first BTL. Exciting times. My original broker was not great, can someone recommend a broker to work with? A BTL specialist as I would like one broker to support me to build a portfolio. Sorry for the rookie question. There are just so many options online and everyone always says how important good brokers, just not where to find them! Many thanks
  5. Hello everyone, I hope you're well! I'm not sure if I'm in the right place for questions about my own home mortgage, if not I can remove the post. It's my first time remortgaging and I have a few questions. When we purchased the property 5 years ago we completely gutted the house back to bare brick, re-plastered, fitted new bathrooms, new kitchen, all new fixings, and gave it a fresh coat of paint. When remortgaging for when the 5-year fixed term ends should we pay to have the place valued in the hope that we've increased its value to get a better LTV ratio o
  6. Good morning! My wife and I are very fortunate that we've managed to build up a portfolio of >10 properties over the last several years. Some of the LTV's are now below 65% yet remortgaging still seems expensive! If we had less that 10 properties, it seems we would be able to get rates of circa 1.9%, however having more than 10 means we're always looking at specialist lenders such as Paragon with rates of >3.5%. This seems expensive in the current climate for a mortgage of <65% LTV. We do use a broker, however does anybody have any experience of consolidating or approaching
  7. Hi everyone, I'm looking at the daunting task of buying my first home. Would anyone have recommendations for a good broker & solicitor? Property location: Leeds Many thanks. Thierry C
  8. I've just received a quote to remortgage a residential to a BTL mortgage with tenants in common. The broker has quoted £800 with £300 paid up front and the rest on completion. Is this normal? My last broker charged around £300 on completion for a residential mortgage so this seems high. Looking for advice if this is normal? Many Thanks
  9. Hello, I’m Adam aged 23 from Solihull, Birmingham. I come from a pretty piss poor family. After several years of hard core study, it’s paid off and I now work full time and I enjoy my line of work. The industry I work in doesn’t appear to be affected by anything Brexit. I do not look on replacing this job to become a; full time, hands on, busy bee landlord. Being young and earning £35k+ I ought to be wise and invest for my later years. I do not wish to get any short term gain by topping up my income as this will begin to push me ever closer to the next Tax (40%) bracket. Afte
  10. Hi, it is carlo here from south london. I am new to property hub and still getting my head around on how much is out there. I am also new to property investment/trading. Now, i have a house and quite a bit of equity built with it. I need a independent mortgage broker to provide some scenario on my situation so that i can plan my property investment. The aim is to have the broker on board for ongoing investment when all kicks off Thank you Carlo
  11. Hi all, my name is Douglas, I am 29 and I live in South West Scotland. I recently did a large house renovation on my own home and now wish to take some equity out so I can start investing in property to hopefully get financial freedom in the future as I wouldn't say I love my current job. I hope to buy my first Buy to let property this year in Preston. The one thing that is holding me up a bit is finding a good mortgage broker and accountant. I just am not sure where i should be looking. If there are any recommendations for either, it would be much appreciated. If anyone is currently i
  12. Hi, My husband and I are looking to invest in property and are looking for a mortgage broker and an accountant to start us on our journey. We are based in London. Does anyone have any recommendations? I have tried those recommended by The Property Hub but the accountants are not taking any clients at this stage.
  13. Hello, I would like to know if anyone can recommend a quality mortgage broker in Poole or Bournemouth? I have already posted in the Bournemouth meet-up but no response as yet. No particular speciality required. Many Thanks, Alex
  14. Hello, I would like to know if any Hubbers can recommend a quality mortgage broker in Poole or Bournemouth? I have already posted in the Bournemouth meet-up but no response as yet. Many Thanks, Alex
  15. Hi could anyone recommend a good independent mortgage broker in the Belfast area? thanks!
  16. Hi, I'm looking to get a bridging loan for a property development project. I was wondering if anyone could recommend a decent broker that specialises in bridging loans for property development? Thanks, James
  17. Hi All I am wondering if anyone could recommend a property insurance broker. I am starting a rent to rent business so it would be great if anyone has experience of working with a broker that understands the model. No problem if not I am sure a general property insurance broker would work as well. Thanks in advance! Josh
  18. Hey, We we have recently set up a SPV limited company to purchase property in the Nottingham area. I have preferred to set up the SPV as funds will be loaned from my other trading lite company. I’m currently struggling to get good whole market advice for mortgages for ltd companies. An additional stumbling block is that I have my name on an old BTL personally , with an old business partner, which should have had my name taken off it.(my fault!) I’m trying to get mt name off this mortgage but it’s taking time! Can anyone provide advice. We have missed out on a few proper
  19. Hi All, I am looking for a good mortgage broker based in Surrey, can anyone help? Thanks Sam
  20. Hi there, I invest in properties in and around Manchester and am looking for a broker that I can use long term that specialises in buy to let properties and who has some knowledge of the area. Any recommendations? TIA
  21. On a separate thread, a question was posted about what to ask a new accountant and one of the replies was suggesting questions to find a broker. This is my response: As both broker and landlord I would suggest the following questions: What is your FCA registration number - obtain it and then check it against the FCA register as a lot of brokers who do commercial mortgages, bridging finance etc are not registered which can be very dangerous Are you an appointed representative or directly authorised. Again this is to do with the FCA and directly authorised brokers tend
  22. Hi there, I wondered if anyone could recommend a good broker that specialises in limited company mortgages? I'm based over in Nottingham and so far have struggled to find any deals that don't come with eye-watering arrangement fees / interest rates. If anyone can point me in the right direction or can recommend a high street lender which now offers a competitive product please let me know as I'm certain there's got to be better deals out there than what I've managed to find so far... Thanks! David
  23. Hi all I'm looking for some advice on behalf of a friend who is based in Scotland near Edinburgh. He owns his own home, with around £300k equity. In the medium term, he's looking to move house so will likely be selling in 1-2 years, but would like to borrow against it to finance the development on an investment property. The loan would be in the region of £100-150k once he has finalised the details, so plenty of equity still left in the house afterwards. Normally I'd lean toward suggesting that he go for a standard remortgage, but with the plan to sell up in 1-2 years (
  24. Hi All This is my first post on here, so hello to everyone! I am looking for recommendations for a mortgage broker in Manchester. I live in the south side of the city (Didsbury area), but would travel to anywhere in the city. In terms of advice needed, we are intending to re-mortgage our own property to release equity (April/May time this year), and follow this with one or two BTL properties. At the moment, I want to kick things off by speaking to a mortgage advisor/broker, to discuss both of my mortgage needs (own home and BTLs).
  25. Hello, Ive realised that all my property purchases to date were far from strategically planned, and I need to sort myself (and my plan!) out. I'd love a recommendation of cracking investment broker who can help me achieve my property investment masterplan. London-based is not essential. Thanks!
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