WHY

Refinance

Extracting funds from your investment portfolio is different than remortgaging your own residential property.

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WHEN

to Refinance

With interest rates at historic lows refinancing could well be a way to release cash from your investments.

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HOW

to Refinance

Each experience with a mortgage broker is different. You want someone with a ‘can-do’ attitude. We help match you with just that.

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The Problems (we face as borrowers)

One would think that because there is already a mortgage on an investment properly there won’t be as much due diligence when it comes to refinancing the properly as there is a history of payments already made. However, things never stay static and with the economic environment fluctuations, mortgage markets more diverse than ever, not to mention the aspect of affordability we are often having to start the process again from scratch to re-justify the deal.

The other problem faced is when talking to an advisor they would often say they are ‘whole-of-market’, meaning they are able to source and sell you mortgage products from the entire market of lenders, yet ask a second or third broker the same and you might end up with differing results. In theory if the end-result which is to solve the clients problem is the same that is fine but sometimes it feels a little like pot-luck who you want to work with as well as who the broker wants to build a relationship with.

Or another issue that comes up is being shoe-horned into for example using an estate or lettings agents in-house mortgage broker because the agent promised they would secure good tenants with their lettings agency.

Or the issue where a broker looks at your case but in the end cannot find a solution in their speciality so has to ‘refer’ it to someone else. ‘Refer’ being the operative word in that for passing on that lead your chain of commission payments is likely to increase. If one had gone

Apartments

Typically, apartments are bought as Leasehold investments. These normally have more conditions attached to them compared to a freehold remortgage.

Houses

The mainstay of the residential mortgage market. With access to more products. There could well be a product that better serves your needs.

Commercial Property

Commercial finance is another type of specialism that also needs knowledge and serve you properly. Be it offices, retail, industrial, leiasure or healthcare.