Services

Buy to Let Mortgages for purchase or remortgage and also for property in need of light refurbishment.

(Multi Unit properties on the one title), (Houses of Multiple Occupancy, HMO), (Limited Companies), (Buy to Let finance for finished developments),

(Buy to Let finance for landlords in retirement, you may be forced to sell your property at age 75 due to the term of the mortgage coming to an end. We have a lender that will lend up to a 35 year term so long as you take out the mortgage before you reach 70 years of age. We have other lenders that will lend up to age 85 so long as you re-mortgage before age 79. You then won't have the worry of having to sell the properties to repay the loans, especially when you built up your property portfolio to give you an income in retirement. Not selling the properties will avoid possible capital gains tax having to be paid also.)

Furnished Holiday Let Mortgages

With this type of mortgage, you may be able to attract a yearly rent of up to 3 times the rent you would receive on an Assured Shorthold Tenancy basis.

At present, this type of mortgage is not affected by the new tax laws being implimented in April 2017 which would mean that you could still offset the full mortgage interest against the rental income and only pay tax on the net amount. If you wish to explore this type of mortgage, then please don't hesitate to contact me to discuss your options.

Equity Release Mortgages

I can assist you by arranging for a qualified adviser to contact you to give you advice on how to get access to the equity tied up in your property, which could be used for a variety of purposes without having to repay the capital or interest during the term of the loan and with no income requirement needed.

Available to homeowners from age 55 upwards based on the youngest age of the people noted on the title deeds of the property. The older the person, the larger the percentage of the value of the property is available to release, which could be used for any purpose with some examples noted below.

  • It could be used to clear off your existing mortgage as you have no repayment vehicle in place and the lender has requested for the funds to be repaid.
  • You could release funds to help your children or grandchildren get on to the property ladder by way of a deposit to them for the purchase of a house.
  • You could release funds and use in connection for a development project you are undertaking or possibly one of your children is planning to do.
  • Assist grandchildren with their University fees.
  • Give the family their inheritance early while you are still around to see them put it to good use.

Main Residence Mortgages for purchase and remortgage.

Development Finance.

  • Since the downturn, high street banks have become a lot less keen to support development projects. We can hopefully come up with an innovative strategy that you may not have considered before, that would allow you to complete your project.

Bridging Finance.

  • Allow you to complete on that auction property purchase or refurbishment project.

Buildings & Contents Insurance for Buy to Lets and Main Residences also 

Landlord Buildings and Contents Insurance.

  • Can assist in obtaining a very competitive price for your portfolio of properties all under one policy.

Accident, Sickness & Unemployment Insurance.

Income Protection Assurance.

How long could you survive financially without your income. Do you have it protected ?

Mortgage Protection Term Life Assurance & Critical Illness Assurance.

If you would like to discuss your situation with us, please either contact us using the various methods noted in contact or e-mail us on write-to-us with your enquiry.


 

 

 

 

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME OR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

Strategic Innovative Finance Ltd is authorised and regulated by the Financial Conduct Authority. Our FCA number is 302990. Our permitted business includes advising on and arranging mortgages and non-investment insurance contracts. You can check this on the FCA's Register by visiting the FCA's website: www.fsa.gov.uk/register/ or by contacting the FCA on 0845 606 1234.