Property News

PROJECT BACKGROUND: Our client wanted to raise £200,000 against his residential property to fund a major home refurbishment. The works included a large extension, a new kitchen and bathroom, window replacements, and full decoration – essentially a complete property transformation. CHALLENGE: The main challenge was the client’s complex income structure. As a small shareholder in a large recruitment […]

Project Background: Our client needed to raise £243,000 against an unencumbered, mortgage-free buy-to-let property in order to fund a new auction property purchase. The target property was part of the client’s existing portfolio, valued at £375,500, giving a loan-to-value of just under 65%. The exit strategy was secure, as the new property had already been sold, providing […]

Project Background: Our client agreed to purchase both the business and freehold premises of a well-established pub in Scotland for a total of £300,000. He personally contributed £150,000 upfront to acquire the business, with an agreement in place that allowed three years to complete the purchase of the property. We were then engaged to secure finance for the remaining £150,000 […]

With the residential property market showing no signs of slowing, you may be eyeing that commercial space, wondering if you can convert it into a residential gem. It’s certainly an enticing prospect, especially when there’s potential for a juicy jump in value. But before diving in, it’s worth asking: What’s actually allowed under planning rules? […]

Project Background: Our client, an experienced property investor, needed to secure a Buy-to-Let mortgage against four HMO properties valued at £2,055,000. These properties, tenanted by a supported housing company, provide accommodation for individuals with learning difficulties, mental health issues, autism, and other social care-related needs. Our client wanted to release equity from two of the […]

Investing in commercial property can feel a bit daunting. After all, it’s not your typical buy-to-let. But if you’re considering taking the plunge, our recent seminar covered some great questions from curious investors.  Here’s a roundup of some of the questions our attendees had for our resident commercial property expert, Louis Theed.  How do I […]

With buy to let margins getting squeezed from all angles, more and more investors are eyeing up commercial property. And who can blame them? With fewer tax headaches and a stamp duty cap of 5% over £200,000, it’s looking pretty tempting. But before you dive in, let’s break down what you really need to know […]

Project Background: Our client needed to secure a Buy-to-Let remortgage to repay a development finance loan that was nearing its repayment deadline. The property in question was a £3.7 million multi-unit block with a unique setup: 21 separate titles, including leasehold flats and multiple houses, within the same street. This complexity made finding a lender […]

Project Background: Our client faced a deeply personal challenge: his mother’s dementia diagnosis required him to move in with her as a non-owner occupier to provide care. To make this possible, he needed to remortgage his residential flat into a Buy-to-Let property, allowing him to generate rental income while focusing on her well-being. Challenge: The […]