Embronix Financial Services

Have you considered investing in a Buy-to-Let property?

There has been a lot of recent press around the increase in the Buy-to-Let market. Many lenders are looking to increase their funding for Buy-to-Let properties and new lenders are also considering entering the Buy-to-Let market, so now might be a great time to start or increase your portfolio.

New research from specialist Buy-to-Let lender Paragon has shown that demand from tenants has increased in the third quarter of this year. Only 4% of landlords thought demand had decreased.

I can help you find the right product for your Buy-to-Let purchase and help you start your portfolio. I have access to a wide range of mortgage deals up to 85% loan to value, some which are not available on the high street. I also have access to lenders that use rental income calculations to determine the level of mortgage they will offer. This means that you may not necessarily require a particular level of personal income to obtain the Buy-to-Let mortgage you need.

If you currently have a Buy-to-Let property I could also help you find a remortgage deal. Contact us today to find out if I can help with a more competitive rate. Equally with loan to value percentages becoming more favorable, you may find that now could be the time to raise capital against the property for such things as home improvements.

There are many things to think about with any Buy-to-Let purchase or remortgage. I am able to provide a full advice service and guide you through all the options available. In addition to this I also offer a full general insurance and protection advice service. Why not contact me to see if I could beat your buildings insurance renewal, or provide advice on your personal insurance needs?

Please CONTACT ME for more details

Your property may be repossessed if you do not keep up repayments on your mortgage.

First Time Buyers do not despair!

With all the negative publicity, you would be forgiven for thinking first time buyers cannot now get on to the housing ladder. Irresponsible lending where a first time buyer needed little or no deposit has gone, but this is no bad thing as it led to some people getting into financial difficulties through being over-committed. Increasingly lenders are looking to offer mortgages to first time buyers which make sense for both parties, with some lenders offering mortgages where just a 10% deposit is required.

I do not charge fees for mortgage advice. Alternatively, you could choose to pay a fee and I will rebate  any commission I receive from the lender back to you. The amount charged will depend on your circumstances but an estimate would be 0.4% of the loan which on a £100,000 mortgage would be approximately £400.

Please CONTACT ME for more details.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Buy-to-Let Mortgages

The rental market is an area of growth in the housing market. Existing Landlords are once again looking to buy more properties for rental and new borrowers, in an era of low returns on savings, are looking at buy-to-let as a way of getting a better return on their investments. As long as the property is deemed fit for rental and the rental can support the mortgage, the number of buy to let lenders prepared to advance funds continues to grow. Whether you are an existing landlord or you are thinking of buying a property, I can advise on, and organise for you, the best fit buy-to-let mortgage.

I do not charge fees for mortgage advice. Alternatively, you could choose to pay a fee and I will rebate  any commission received from the lender back to you.The amount charged will depend on your circumstances but an estimate would be 0.4% of the loan amount which on a £100,000 mortgage is approximately £400.

Please CONTACT ME for more details.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Choosing a mortgage is probably the biggest financial decision you will make. However with many lenders, and thousands of mortgages to choose from, it can seem like an impossible maze to find your way through.

Whether you are a first time buyer, wish to remortgage, purchase a property to live in or to rent out, Embronix will endeavour to recommend a product to suit your individual needs. A mortgage is potentially the largest financial commitment of your life, which is why every enquiry is treated with the respect that it deserves.

There are basically two major types of mortgage repayment methods available in today's market:

Repayment : a repayment mortgage is structured so that the monthly mortgage payments pay off the original amount borrowed, as well as the interest  accrued, by the end of the term.

Interest only : only the interest is paid to the lender each month; the original loan amount remains the same for the term of the loan. A suitable investment is therefore required to run in conjunction with the mortgage in order to repay the loan balance at the end of the term. The most common investments used for this purpose include Pension, Endowment and ISA.

I do not charge fees for mortgage advice. Alternatively, you could choose to pay a fee and I will rebate any commission received from the lender back to you.The amount charged will depend on your circumstances but an estimate would be 0.40% of the loan amount which on a £100,000 mortgage would be approximately £400.

Please CONTACT ME if you are looking for any of the following: -

• Remortgages
• First time buyers
• Buy to let
• New Purchases