hmo buy to let mortgage lenders

Are you looking for HMO buy to let mortgage in the UK? We provide the best deals in HMO limited company mortgage without a credit check. Over 80+ Lenders. Call 0330 304 3040.

it’s not possible to simply transfer existing buy-to-let properties into the ownership of a limited company. Instead, you must treat the transaction as you would with any other property acquisition, which means that the limited company must consider costs and fees incurred by the sale.

The Covid-19 pandemic and resulting lockdown restrictions have left many developers unable to sell their properties. Being unable to sell means needing to continue to pay expensive development finance fees, without the ability to sell the property and pay off the lending. Revolution Finance Brokers is receiving multiple enquiries about how to deal with this challenge. We'll look at some of your options here, but if you would like tailored advice give our team a call on 0330 304 3040 and we will work with you to find the best solution!

We help your clients purchase the assets they need for your business. We are not tied to offering products from a single or group of companies and can go to any lender who offers you the best deal.

If you've got a mortgage on your home, it's well worth checking to see whether you might be able to remortgage to a better deal. Call 0330 304 3040 today. Remortgaging is basically moving from your current lender to a new one. The finance that you have on the property gets taken over by the new lender. If you do not have finance on your property and it is unencumbered than you can also remortgage in order to borrow money against that property.

Offset mortgages, sometimes known as flexible mortgages, combine your mortgage account with your current bank account(s) to blend your earnings and debt liability and use your regular income to reduce your mortgage balance. As your mortgage balance reduces, the amount of interest you are charged therefore also decreases.

We're a specialist insurance and protection company offering honest advice, deep expertise and caring protection for all your requirements. We have access to the whole of market to get you the best insurance and protection cover!

There are lots of reasons you might be considering switching to a buy-to-let mortgage. These can include moving home and wanting to keep your existing property to let out, or remortgaging as a buy-to-let landlord. Here we look at the most important things to bear in mind, to help you understand the process and make the best choices for your borrowing requirements! The team at Revolution Brokers often deal with enquiries about how to switch a mortgage to a BTL, and this depends on the property, your current mortgage, the rental structure and many other factors. As with any mortgage, we advise seeking professional advice to ensure that this long-term financial commitment is the best suited to your property, with the most competitive rates! For more detailed information and personal support, get in touch at 0330 304 3040 or info@revolutionbrokers.co.uk.

A buy to sell mortgage is a flexible option if you're considering selling a property that you have bought recently. This guide looks at buy to sell mortgages, what they mean, and where you can apply for one! For more comprehensive support and advice, contact Revolution Finance Brokers at info@revolutionbrokers.co.uk or give us a call at 0330 304 3040.

Right to Buy helps council tenants purchase their home at a discounted rate, and a calculator can be a good starting point to get a rough idea about what sort of rates you might be offered, and what your Right to Buy mortgage might cost. The upper limit is capped at £108,000 in London and £80,900 throughout the rest of England - the discount is higher in the capital, given the higher property prices. Your discount depends on whether you are buying a house or a flat, how long you have lived there, and what the property is worth.

Looking for Critical Illness Cover? Critical Illness insurance is important to many people, to protect their family’s future. Revolution Finance Brokers explain what critical illness insurance is, and how to find the right cover for you. As the name suggests, critical illness insurance is a policy that provides a pay out should you ever become ill with a serious illness or medical condition.
These policies can cover disabilities, specific illnesses and conditions that you may worry that you will be vulnerable to, for example, if a condition is common within your family.

Life insurance and life assurance sound very similar but are not the same product. If you are considering insuring your life and would like to understand what product is best for you and how they stack up, read on!
Which product is best for you depends on lots of circumstances. Most people insure their lives to provide financial security for their family in the event of their death, or to cover lending such as mortgage payments should they no longer be around to cover those costs.
Life insurance is the better product for shorter-term insurance, for example until your mortgage is paid off, or until your children reach a certain age. The premiums will be lower, and the policy will expire when your agreed end date is reached.
Life assurance is better if you wish to protect your family in the event of your death, and would like to provide financial support for them whenever that may be. Life assurance is also used to plan for liabilities such as inheritance tax.

Every homeowner needs to insure their home, however, there are so many different policies and providers to choose from it can be difficult to know which policy to choose, and what constitutes good value.
Our brokers are experts in finding cost-effective, tailored home insurance to provide all the cover you need at the most competitive rates. For most of us, our homes are the biggest investment we will ever make, and insurance cover is there to protect you from the costs of maintaining your home or covering repairs if any damage or accidents happen.

Finding the right broker for commercial financing is essential. Your choice of lending products can impact your profitability, and determine whether you find the proper funding you need. Businesses take out mortgages for multiple reasons, and to invest in a vast range of properties.
Our goal is to ensure you have the absolute best products on the market, with the rates negotiated by experts in their respective fields. This guide runs through what you should look for from your broker, how the process works, and provides information about the key factors in commercial mortgage lending.

Loan to value refers to the amount you can borrow, compared to the value of the property - and enquiries about maximum LTV rates on commercial mortgages are common! High LTV commercial mortgages are a specialist product and one you are highly unlikely to find on the high street.
The most efficient option is to work with an expert broker, who can scour the market on your behalf and make independent recommendations about the best products for you.

The Revolution team often deals with clients seeking a commercial mortgage, and wanting to know where and how to get the lowest mortgage rates! This includes considering the length of the mortgage term and balancing out the cost of your borrowing repayments against commercial mortgage rates, and the impact on your cash flow balances.
Average terms vary and can last up to 25 years in line with typical residential mortgages, although maybe as little as three years or as long as 30. If you need short-term mortgage lending on a commercial property, for less than three years, this is deemed a bridging loan.

Online mortgage comparison sites and online applications are one way to secure lending, and many new investors complete the process but come unstuck when they experience limitations or unsuccessful results.
Since every property is different and every landlord has a different set of circumstances, the optimal way to secure a quote for a mortgage is to use an experienced broker.
Brokers have access to the whole of the market so we can negotiate the very best deals, taking your circumstances and requirements into consideration before recommending the lenders we know will be most suitable.
This also ensures that you don't end up spending money on unsuccessful applications or rack up marks on your credit file by applying online to lenders whose criteria you do not meet.

Many UK landlords are looking at expanding their property portfolios to take advantage of low purchase prices, and many more are set to join the 2.5 million investors and landlords across the UK sector. Let's look at buy-to-let mortgages for property portfolios, how they work, who can apply for them, and which lenders are offering special mortgage rates for multiple investment properties!
If you need support with securing a BTL portfolio mortgage, or are considering expanding your portfolio and wish to explore the best mortgage options out there, get in touch with Revolution Finance Brokers today.
We work with investors and landlords to secure the most advantageous mortgage products, from across the complete spectrum of UK lenders to ensure your landlord business is as profitable as possible.

Buy to let properties remain a lucrative investment sector, and yet if you have an adverse credit history, it can feel a little more complicated to secure a competitive mortgage. The main factor in applying is to look at what sort of bad credit issues you have, why they happened, and when they occurred.
This makes a big difference in working out the right lenders to apply to. Each lender has their own criteria, so a mainstream lender might be happy to lend when you have minor credit issues, but if they are more serious than a specialist provider is likely to offer the best terms. Your credit score, in contrast, is a score assigned by a credit referencing agency according to their own specific scoring criteria.
Therefore, even if a credit referencing agency has given you a bad score, a specialist lender might be happy to consider your application based on your credit file and other circumstances. All lenders will take a look at your credit history, but some will place more importance on the score than others.
Having a low credit score can make it more difficult to find a buy-to-let mortgage, with mainstream lenders often restricting the LTV (i.e. the amount they will lend as a proportion of the value of the property).

If you have been turned down for a mortgage due to bad credit, or need help submitting a mortgage application, the Revolution team is here to help. Bad credit is not uncommon, and can be for any number of reasons - perhaps you have had a property repossesses, or had arrears on your mortgage payments in the past.
While bad credit does make getting a mortgage more difficult, you can still secure competitive lending by working with a specialist bad credit mortgage broker. Specialist lenders, who can accept applications from people who have a low credit score, or have issues with their credit rating, offer bad credit mortgages.
Sometimes this is the best option, although the rates and fees attached can be higher than available to applicants with a clean credit record. Revolution Brokers often negotiate competitive deals for clients with bad credit - for example, by demonstrating affordability or applying for a lower loan-to-value (LTV) ratio through a higher deposit.

Subprime means something outside of the general mortgages offered on the high street. This type of mortgage is an option for property buyers who cannot secure mortgage lending. Usually, because of a particularly high-risk factor, or having issues with their credit history.
Most subprime mortgages will be offered at a higher interest rate than on the mainstream market and may require a larger deposit. The best way to secure a subprime mortgage from a specialist lender is to work with a whole-of-market broker such as Revolution Finance.

If you've had a debt relief order (DRO), it can be tricky to find a mortgage lender, given that credit checks are a necessary part of the mortgage application process. If you have breached your DRO terms, you might have a further restriction called a debt relief restriction order - this might extend the discharge date of the original order.
Courts and the receiver decide on the end date, and the majority of mortgage lenders require at least a year to have passed before they will feel comfortable to lend. If you have further bad credit problems after a DRO has been discharged, you might find it even trickier to secure a competitive mortgage. Lenders will typically need to see which accounts were included in the debt relief order. It is, provided enough time has passed, and you have kept your financial affairs in good order. Lenders will want to review your credit file, so it's wise to check this and ensure that it is up to date and doesn't contain any errors.

Many lenders who can provide self-employed mortgages will ask for copies of filed accounts, tax returns, and/or an accountants reference to verify the applicant's income. In some cases, there are criteria around the qualification of that accountant. So it is essential to understand what accreditations are accepted to ensure you work with the right accountant - and don't pay accountancy fees for a reference which your mortgage lender cannot accept. As a self-employed applicant, the complication when applying for a mortgage is demonstrating your income. This is more complex than for employed applicants since your income will very likely fluctuate. However, lenders must verify the average income you make to meet their affordability criteria and constitute responsible lending. Typically, any accountant who is Chartered and Certified and holds a certification to that effect can provide a mortgage reference for a self-employed person.

Many Revolution clients contact us for remortgaging advice as they come to the end of a fixed-rate mortgage term, or have seen better deals on the market and want to explore whether there are more cost-effective options out there. Here, we will explain how remortgaging works, why your reason for remortgaging matters, and how a broker can save you money by offering bespoke products and broker-only deals that are not available on the open market. Suppose you're unsure about whether working with a mortgage broker is your best bet, or whether you'd save more money liaising directly with a remortgage provider. In that case, we'll run through all the essential criteria to help you make an informed decision!

Revolution Brokers deals with hundreds of clients seeking construction lending to enable their development projects to proceed. This includes significant commercial developments, through to residential housing builds. The costs and terms available for construction finance vary significantly between lenders, and so a professional brokerage team is crucial to find the best rates and most competitive deals. We work with each client to understand your circumstances, and recommend the best type of lending to meet your needs, and negotiate rates directly with lenders to ensure your application is successful. For more support with construction finance, contact us on 0330 304 3040 or drop us a message to info@revolutionbrokers.co.uk.