Category Buy to Let Mortgage

Mortgage to buy Pub – how to Finance?

How to finance a pub buy? Mortgage for public house is a commercial mortgage or loan to be used specifically for the purchase of pub. Commercial mortgage lenders define a Pub as a business trading primarily in retail alcohol sales. Pub mortgages are available for purchasing either Freehold or Leasehold property.

Pub Mortgage Requirements

How to qualify for A Pub Mortgage? To qualify for this mortgage the revenue to product ratio of the business must be either:
100% alcohol sales
Primarily alcohol and partial food
Primarily alcohol and partial overnight accommodation
Primarily alcohol and partial overnight accommodation and partial food

Conversely, if the primary revenue of the business comes from food sales and partial alcohol sales, the business is classified as a restaurant...

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What is a Mortgage Certificate?

What is a Mortgage Certificate? A Mortgage Certificate is a document provided by a Mortgage Intermediary or Lender, that gives an indication of the maximum amount a borrower can borrow by way of Mortgage Facilities. It is most widely used by people who are thinking about moving home or buying new property. The House Hunters Personal and Financial circumstances are taken into account and then applied to a standard Lending criteria. The Standard Mortgage Certificate is not issued with any one Lender in mind – but issued after taking into account average Lending criteria across the Mortgage Industry.

What ...

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Benefits of sale and leaseback explained

Benefits of sale and leaseback – what are those? Even those choosing to do a sale-leaseback to raise capital for a faltering business will find a buyer if the transaction is structured to all parties’ benefit.
RA sale-leasebacks are evaluated and packaged by the credit of the seller/lessee, by the type of property, and by the lease structure: Credit of lessee (tenant), National Credit-tenant, Regional tenant.

Benefits of Sale and Leaseback

Before entering into a sale-leaseback, the seller should compare his tax liability as owner with his projected tax liability as lessee. This calculation must include the tax consequences of the sale as well as comparison of deductions for rental payments as lessee with depreciation and interest deductions as owner...

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Mortgage requirements for investment property

What are mortgage requirements for investment property? What are buy to let lender options? Commercial property investments have been very stable and hold sustained growth in  industrial and retail sectors, and are considered to be safe investment. If you decide on a commercial investment property you need to assess carefully the availability of premises in the local area. Let’s start with residential investment mortgages as these are more common.

Residential Buy-to-Let Mortgages

These mortgages may be sourced from a wide variety of lenders of traditional residential mortgages, although, there is a hardcore of about 10 major BTL lenders who top the list in terms of interest rates charged, product flexibility, cost to arrange, and conditions of acceptance...

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Buy to let mortgage how does it work guide

Asking yourself – buy to let mortgage how does it work?  Buy-to-Let are investment property mortgages. The term describes properties that are bought on a buy-to-let (BTL) basis, where the property owner has no intention of living at the property, and is more interested in drawing an income either through rental profits or capital growth, over a short, medium, or long term period. Property investment is considered to be a safer investment than equities as it has a long track record of strong growth and to be a safer investment option.

Summary Residential and Commercial BTL Mortgages
Residential Commercial
LTV to 90% to 85%
Fees £ fixed % of the loan
Rental Income assessed Y Y

Suitable Property For Investment Property Mortgages

The term investment property is applicable to both the resid...

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