Commercial & Buy to Let Mortgages
Commercial Mortgages
Although these mortgages are generally outside of FCA regulation we treat every case as if it were regulated. You will, therefore, get the same level of service as any mainstream residential mortgage customer.
We can assist with commercial units, semi-commercial properties, both owner-occupied and investment-based and even unsecured business loans. We have arranged finance on properties in shell condition, as well as land with or without planning permission.
Buy to Let Mortgages
RH Private Finance are specialists in arranging buy to let mortgage finance on a variety of properties.
Buy to let lending is based primarily on a property’s rental income and then secondly on the borrower’s individual status.
We currently manage debt on large property portfolios in central London and across the UK. Our team are experts at dealing with multiple financing requirements. We actively manage the debt to ensure that our clients’ property portfolios achieve maximum investment yields.
If you are new to property investment, we can guide you through the pitfalls and assist you in building a portfolio to become a successful landlord.
If you are a current buy to let landlord looking to re-mortgage or capital-raise we can help you get market leading rates and maximum loan to values.
Following changes to tax relief on buy-to-let properties which is being phased in from April 2017 lenders have started amending/increasing their rental calculation, making it much more difficult for consumers to navigate the choices available. At RH Private Finance we know the lending criteria and rental calculations for all the banks taking this headache away from you.
There are various specialisms within the buy to let market where we can assist:
- No minimum income buy to let mortgages
- Let to buy mortgages where you are planning to rent out your current home
- Properties with short leases
- New build flats and houses
- Ex-local authority properties
- Low yielding properties purchased for capital growth
- Houses of Multiple Occupation (HMOs) and Multi-unit freehold buildings
- First-time landlords including first-time buyers
- Properties owned or being purchased in a Limited Company (including non-UK companies) and trusts.
