Building a portfolio of residential buy to let properties and or Commercial properties has become essential if you are looking to build a diversified portfolio for your investments. Lenders are far more flexible in their attitude towards clients who may require to purchase or re-mortgage 10 or 20 properties in a single transaction. Where clients have built up a number of properties over a period of years which in most circumstances they re-mortgage when their existing plan with the lender ends, to enable them to release equity to achieve the purchase of further properties.
The alternative is to consider a Commercial buy to let scheme which would normally be for residential property and we would normally consider between 10 and 20 properties in one portfolio. This would give the client the opportunity to take advantage of portfolio borrowing within a Commercial buy to let scheme which should release equity on a rising market annually to enable the purchase of further buy to let properties without having to re-mortgage each Commercial buy to let property on an individual basis.
These schemes are not widely advertised but by approaching an Independent Financial Adviser you will have access to the whole of the market and many of the schemes are exclusive and available via mortgage clubs which offer Commercial buy to let schemes at a rate that would not be available to the client on a direct basis.
The lender is looking for volume business and is prepared to offer exclusive schemes to mortgage clubs and packagers in view of the volume of business that they introduce. An Independent Financial Adviser will have access to all of the Commercial buy to lets in the market place and their experience in this sector is essential to the inexperienced investor.
An Independent Financial Adviser will also have access to the many Commercial investment property schemes that apply to Commercial properties only and require a different level of underwriting and expertise.
Why not give Michael J Alexander the opportunity to show you how we can help and guide you through the many schemes available in the market. Please call now on 0845 2 605 506.
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Commercial Tool Suite
Ok we have been working very hard on our new commercial mortgage tools from the basic calculator to the advanced property price predictor tool. Our new property tool suite is finally finished and ready for you to download and trial, featuring a mortgage calculator, property price predictor, home paint pad, map getter and more.
Size: 11.3mb
OS: 98/ME/XP/NT/2000
Type: ZIP (Exe setup)
If you like our software and want to leave a comment then visit our commercial mortgage blog. We continue to develop new commercial mortgage tools.
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Buying a property to let out has become very popular as an alternative to many other traditional forms of long term savings as Investors have become disillusioned with pensions plans and stocks and shares. Pension plans have suffered as a result of Gordon Brown diluting the tax breaks within the plan, and clients have become wary of the volatile nature of the Stock Market. Bricks and mortar offer a safe haven for Investors in the long term with the capital growth and monthly income to support any borrowing. Many clients are looking at investing into a Buy to Let property before purchasing their first residential home. Buy to Let as an Investment is here to stay with the more risk minded clients looking at Investing in properties abroad, however clients looking abroad should proceed with care, and due diligence is a must.
Site Updates: Thursday 7th Aug 2008
Featured in The-Mortgage-Hub ã 2006
Site Last Updated: Thursday 7th Aug 2008
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Commercial Mortgages and Professional Mortgage Advice from Michael J Alexander Group
