Areas of Expertise
Residential Mortgages
A loan that one or more persons receive in order to buy a house or other residential property in which they will live. The loan is secured by a lien on the property; the borrowers repay it over a specified period of time. The interest on a residential mortgage is tax deductible under most circumstances.
Buy-To-Let Mortgages
A buy-to-let is the purchase of a property specifically to rent it out. A buy-to-let mortgage is a mortgage loan specifically designed for this purpose. Buy-to-let properties are usually residential but can also be for student property investments and hotel room investments.
Commercial Mortgages
A commercial mortgage is a mortgage loan secured by commercial property, such as an office building, shopping centre, industrial warehouse, or apartment complex.
Bridging Loans
Bridging loans are a form of short-term financing, often aimed at homeowners who are hoping to complete the purchase of a new property before selling their current home. In order to complete the purchase of a new property, you may need to have the money immediately, such as in an auction, but if you cannot wait to sell your current home, a bridging loan can help finance the deposit you need in the interim. Bridging loans can also be used to acquire properties that need extensive works carried out before a standard mortgage can be considered.
Lifetime Mortgages
A lifetime mortgage is a form of equity release which allows you to unlock cash from your property without having to sell your home. The percentage of the property you can borrow against will depend on your age and you will usually find that the older you are, the more you can borrow.
