Page 3 - The Pulse Issue 4

CONTENTS

Welcome to The Pulse: Issue 4

Available to Ingard member firms

OVERVIEW OF LENDING CRITERIA

Classic Range Solutions Range
Look Back at 2016: The Roller Coaster Ride 3
In This Issue:
 SPVs, trading Ltd Co’s & individuals  SPVs, LLPs, trading Ltd Co’s, offshore
companies & individuals This quarter we are focusing on the
 First-time landlords, self-employed & Key Improvements We’ve Made to Support 4 changing face of buy to let. Landlords
retired  First-time landlords & first-time buyers Your Business were served some bitter blows

 Ex-pats - via SPVs  Ex-pats during 2016; stamp duty hikes made
increasing their portfolios more costly,
 Related transactions & complex  Foreign nationals 2016: A Year of Change for Buy to Let 5 tougher affordability models have
ownership structures  Complex ownership structures resulted in the amount they can borrow
being greatly reduced and changes to
 No minimum income restrictions  Adverse credit taxation will decrease their profits.
 No maximum age limit for Ltd Co‘s – up to 4 secured arrears & 4 CCJs Buy to Let 2016: Market Changes 7 This issue aims to address each of the
 Individuals to 85 years at end of term  Clients with income derived solely from rent key changes that have been enforced,
inform you of the new regulation being
 Ex-local authority houses & flats  Ex-local authority houses Buy to Let 2017: Market Changes & Forecast 8 implemented this year and provide an
overview of what we can expect the
 Multi-units up to 10 flats  Remortgages within 6 months future of buy to let to look like.
 HMOs/multi-lets up to 8 beds Keystone Property Finance: Case Studies 9 - 10 It’s important as Advisers that we

PROC FEE: 0.6% PROC FEE: 1% don’t dwell in the past. We need to
encourage landlords to embrace this
Introducing our Refer a Friend Scheme 11 new norm by providing them with cost-
Short Term Finance Range Commercial Mortgage Range effective solutions that enable them to
weather the storm.

 SPVs, LLPs. trading Ltd Co’s & individuals  SPVs, LLPs, trading Ltd Co’s, offshore Launching Soon 13 If you would like any additional training
companies & individuals or support then we’d love to help.
 First-time landlords
 First-time commercial landlords Contact our team on 01702 538 800 or
 Property developers Dates for Your Diary 14 email info@ingard.co.uk.
 Business owner-occupiers
 Adverse credit Contributors:
– up to 4 secured arrears & 4 CCJs  Commercial investors
Ingard Members: Route to Lender 15 - 16 David Ewing, Director
 Flexible underwriting  Adverse credit
 Decisions within 1 day – hours if needed – up to 4 secured arrears & 4 CCJs Nikki Haworth, Sales & Marketing
Director
 No exit fees  Interest only terms for 6 -10 years Key Contact Information 18 Ria Hackwell, Marketing Manager
 Auction purchases  Shops & retails units

 Commercial properties  Offices, warehouses & industrial units David Whittaker, Managing Director -
Keystone Property Finance
 Flats above commercial premises  Flats above commercial premises
 Hotels, guesthouses & B&Bs Fleet Mortgages
 Hotels, guesthouses & B&Bs
Castle Trust
PROC FEE: 0.5% PROC FEE: 0.75%

Correct as of: 29.12.2016

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