Investment Mortgages

Buy-to-let
Investment buyers are finding it increasingly difficult to source the most suitable mortgage deals. At Springtide Capital we have access to many buy-to-let lenders including private banks and can advise you on the most suitable product, whether you are looking to get the maximum loan to value, trying to achieve the best rate, or lowest fees, or perhaps all of these! As more lenders enter this market, the products are becoming more competitive, however at the same time the lending criteria are changing constantly. This is resulting in clients needing expert advice to help them through the myriad of choices available to them.

About 40% of Springtide Capital’s business is investment related ensuring we have the depth of knowledge necessary to ably help all clients. This finance can be arranged where clients are looking to finance purchases, refinance portfolios or a mixture of both. Our consultants have both individual and portfolio clients and we enjoy building trusted relationships, helping clients develop a comprehensive portfolio of property. Our link with estate agencies means we are also able to pull in many industry professionals to help advise on all types of property related matters, if necessary.

A selection of the Investment mortgages we have available are shown below. For more information please call 020 3040 4400.

BTL LOW RATE WITH LOW FEES – 3.89% variable to September 2013

3.39% above Bank of England Base Rate (BOEBR) to 30th September 2013 reverting to 4.5% above BOEBR for term. The overall cost for comparison is 5.0% APR.

  • Available up to 60% Loan to Value
  • Flat lender fees of £1,049 (£89 payable on application)
  • Early repayment charges of 2% in year 1 reducing to 1% in year 2
  • Available for purchase and remortgage
  • Maximum loan £500,000

MORTGAGES AND FINANCE – recently placed deals

A client looking for £3m bridging finance to assist in moving to a new main residence prior to sale of the existing property.

We obtained an agreement in principle for 12 months bridging finance on a 4% pa pay rate with a 1.5% arrangement fee covering the full level of required borrowing including funds on deposit to cover interest payments.

These rates were prepared on 4 October 2011 and have been selected considering factors such as rate of interest charged and quality of lenders administration. Rates are accurate on the date of publishing but may be subject to change at short notice and terms are dependent on individual circumstances. Broker fees of up to 1.25% may be charged, although we are happy to discuss payment choices. Springtide Capital Limited is authorised and regulated by the Financial Services Authority. The FSA does not regulate some forms of mortgage. 

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