Lifetime variable rate mortgages

We have a lender that we use regularly that will lend to first time landlords and for professional landlords they don’t have a maximum portfolio size, so they are very much open for BTL business.
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Property Investment - how do I raise the finance?

It’s the $64,000 question when starting out in property investment.  How do I raise the finance to begin?  If you are starting from the privileged perspective of having a good chunk of capital or you are able to release equity from a property to work with when you begin to buy property then that is great.  It makes the process much easier from many angles.  It gives you the confidence to know that any offer you make is backed up by funds in the bank and therefore offers you greater bargaining power.  Coupled with the right knowledge and guidance, it also means that you can start your search sooner rather than later and get going on your chosen strategy. Starting from scratch? If, however, you are starting from scratch, then things can be altogether different.  In my opinion it all depends on your mindset.  If you are truly open to...
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How to Get Paid … In Full and On Time

  They say that prevention is better than cure ... well, in no area of life is this truer than in rent collection. Cashflow is the lifeblood of any business and good cashflow secures the ability of your property rental business to function properly. It allows you to pay your bills on time and maintain that squeaky-clean credit score that is so essential to a property investor. It allows you to take a regular income, which means youre not, basically, paying, or subsidising someone else to live in YOUR property - because thats what late rent payment means! Visit LandlordsRent “In these economically turbulent times, CASH IS KING!” It is fair to say that most property investors, when they start out in this business, assume that setting up a standing order is all that they need to do to make sure that their rent gets paid. If only! The reality...
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Credit Searches/Credit Score

What is a credit search? A credit search is when a lender/creditor obtains information about you from your credit file via a credit reference agent (CRA). The CRA’s are called Experian, Equifax and Callcredit. Each lender may use a different CRA, and in some cases they may use multiple sources. The credit search includes checking your credit history, financial commitments, and general conduct. Your credit file will also show address history, whether you are on the electoral roll, whom you have financial associations with, record of county court judgements (CCJ), missed payments, defaults, mortgage arrears and details of any repossessions. The information is usually held for 6 years. A credit file will also include details of any CIFA records, which is a fraud prevention service A CRA will hold a substantial amount of financial data, but does not hold the following: Student loans Child Support Agency Motoring offences Criminal records...
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