SarahBeenySpringIssue2017 - 44
rafalgar Square Financial
Planning Consultants is an
independent mortgage broker
that specialises in working with all
property investors, whether you
are looking at your first buy-to-let
investment property, or you already
have an established portfolio.
It has access to mainstream,
specialist buy-to-let lenders, and
also the commercial lending sector,
so is able to assist you in all aspects
of property investment finance.
If you are in need of finance quickly
for specialist projects or purchasing
at auction, Trafalgar Square has access
to short-term bridging lender options.
The middle ground between the
residential mortgage market and
commercial finance is predominantly
occupied by the buy-to-let sector.
This relatively new, niche market is
complicated, with continually changing
lender criteria, so Trafalgar Square has
positioned itself as being solutionsfocused for its landlords.
The buy-to-let market is steadily
becoming more sophisticated, with
lenders implementing changes all the
time. Investors and landlords need to
remain regularly updated.
Trafalgar Square ensures that your
investment strategies fit your needs
by matching you to the appropriate
products and lenders. By working with
you to understand business goals, it
provides valuable advice and support
that enhances portfolio development,
portfolio cash flow and long-term plans.
WHAT ARE MORTGAGE
LENDERS LOOKING FOR?
When you are looking for a buy-to-let
mortgage, Trafalgar Square will offer
an initial consultation to discuss
your personal circumstances and the
investment property you wish to finance.
Lenders will want to assess your
individual circumstances, i.e. current
residence, residential mortgage (if any),
personal income and expenditure.
They will then apply a rental stress
test to the amount of mortgage you are
looking to apply for and ensure the
rent covers in the region of 145% of the
monthly mortgage payments at a rate of
5.5% for personal borrowers, or 125% of
the mortgage payments at 5.5% interest
rate for limited company borrowing.
Each lender does vary with these
requirements so senior mortgage
broker Stuart Yardley recommends
clarifying your own circumstances.
If you would like any advice on buyto-let mortgages, mortgages for houses
of multiple occupation, commercial
mortgages or short-term bridging
finance, give Stuart a call or send him
an email and he will be happy to discuss
your individual circumstances.
Trafalgar Square Financial Planning Consultants
2nd Floor, 6 Morie Street, London SW18 1SL
T: 0208 870 8787 F: 0208 870 8788 M: 07973172444
E: firstname.lastname@example.org W: trafalgarsq.co.uk
Authorised and regulated by the Financial Conduct Authority (FRN No: 305726)