What does the future hold? It's all about fintech, isn't it? Or is it? I certainly think we'll see technology and innovation in technology being a driver for change across the industry. An interview with Mark Whitear, Head of Commercial Development.
The importance attached to the advice process in sourcing appropriate and responsible solutions to combat the challenges of homebuying has never been more apparent, yet some potential borrowers continue to go it alone.
It will come as little surprise that the effects of the last 18 months are now resulting in rising demand for flexible underwriting for complex income residential cases; and this is true for both employed and self employed borrowers.
As a lender, we are always striving to assess landlord profiles, what they are looking for from a lender, what a ‘typical’ portfolio might look like and how various landlords are reacting to current market conditions.
Every quarter, in conjunction with BVA BDRC, we ask around 900 landlords for their insight on every aspect of the buy to let market, including portfolio sizes, borrowing intentions and view of the current markets.
I’m sure we can all appreciate the highs and lows experienced across the self-employed community over the past 12 months and some of the existing shortfalls when it comes to their mortgage requirements.
Green mortgage options are expected to be a growing option for landlords and owner-occupiers over this next decade and we are pleased to be among the trail blazers with our ‘Green Reward’ remortgages.
With the majority of 2020 and the early part of 2021 having a significant impact on many individuals’ income and financial situations, we anticipate that the self-employed particularly will require specialist residential finance going forward, whose propensity for complex income structures often throws them out of mainstream lending criteria.
With the majority of 2020 and the early part of 2021 having a significant impact on many individuals’ income and financial situations, we anticipate that an increased number of cases will require specialist residential finance going forward.
What’s the difference between a limited company portfolio landlord, compared to a portfolio held by an individual or group of individuals?
We believe that the move to improve carbon emissions in the property sector remains critical in 2021. Here are 6 reasons to speak to us about a green mortgage for your landlord clients in 2021.
It’s testament to the UK’s continued appetite for homeownership, government intervention and sustained commitment from lenders that we're in this quite remarkable position at the end of 2020.
The residential lending landscape has changed immeasurably, particularly in the specialist sector.