Are you over 18 and want to see adult content?
More Annotations
A complete backup of animalbehaviorcollege.com
Are you over 18 and want to see adult content?
A complete backup of enioea2hw.wordpress.com
Are you over 18 and want to see adult content?
A complete backup of aktive-schule-koeln.de
Are you over 18 and want to see adult content?
A complete backup of thedesignwalker.tumblr.com
Are you over 18 and want to see adult content?
A complete backup of as1010.blogspot.com
Are you over 18 and want to see adult content?
Favourite Annotations
A complete backup of bmonesbittburns.com
Are you over 18 and want to see adult content?
A complete backup of theshiftedlibrarian.com
Are you over 18 and want to see adult content?
A complete backup of bikereview.com.au
Are you over 18 and want to see adult content?
Text
highest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to COMMERCIAL TENANTS RIGHTSSEE MORE ON COMMERCIALTRUST.CO.UK PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
BRIDGING LOAN CALCULATOR The bridging loan calculator will provide you with two figures: The monthly interest payment. The total amount payable at the end of the loan term. There other costs associated with a bridging loan (e.g. lender fee) and different ways of paying your bridging finance, DEMAND FOR STUDENT ACCOMMODATION RISES The area surrounding the University of Chichester has seen the highest level of demand, with 94% of lets already agreed for the upcoming academic year. In West Sussex, where the average rental income is 1,016 per month, this could earn landlords yields of 3.2% and 4.7%. The student accommodation available near the University of York hasalso
WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to COMMERCIAL TENANTS RIGHTSSEE MORE ON COMMERCIALTRUST.CO.UK PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
BRIDGING LOAN CALCULATOR The bridging loan calculator will provide you with two figures: The monthly interest payment. The total amount payable at the end of the loan term. There other costs associated with a bridging loan (e.g. lender fee) and different ways of paying your bridging finance, DEMAND FOR STUDENT ACCOMMODATION RISES The area surrounding the University of Chichester has seen the highest level of demand, with 94% of lets already agreed for the upcoming academic year. In West Sussex, where the average rental income is 1,016 per month, this could earn landlords yields of 3.2% and 4.7%. The student accommodation available near the University of York hasalso
WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
ABOUT US | COMMERCIAL TRUST LTD. Commercial Trust Limited is a mortgage broker. Commercial Trust Limited helps clients who want buy to let mortgages, commercial mortgages and bridging loans. The company was launched in July 2012 and is part of a large, privately owned, group of financial organisations. The ethos and values of the company are centred on putting clients first in COMMERCIAL MORTGAGES SPECIALIST Commercial mortgages. We aim to get you the very best commercial mortgage possible, from a range of UK lenders, and save you time and money Our team of dedicated, commercial mortgage specialists and experienced account managers have helped hundreds of businesses and investors apply for, and secure, great deals on commercial mortgages. COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. BREATHING SPACE INITIATIVE VITAL TO DOCUMENTATION Breathing space. The initiative - formally called the Breathing Space Moratorium and Mental Health Crisis Moratorium Regulations 2020 - pauses enforcement action on individuals from creditors including letting agents and landlords. It freezes charges, APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. DEMAND FOR STUDENT ACCOMMODATION RISES Landlords are ready to recuperate after a tough year, as demand for student accommodation begins to rise again. Return of the student let. With September’s start date for the academic year looming, some universities student-let-rich areas are already seeing a huge demand increase, compared to last year. BUY TO LET STAMP DUTY CALCULATOR Use the calculator to find out how much tax you need to pay. Input your property’s purchase price and hit ‘calculate’. Our buy-to-let stamp duty calculator will tell you: Total stamp duty payable on your buy to let property. The overall tax rate. How the total stamp duty figure is calculated. GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022 On the 18th of November, the Prime Minister, Boris Johnson announced that the Green Homes Grant will be extended in England until the end of March 2022. This means that homeowners and landlords will have a year longer to complete energy-efficient upgrades to their homes, with the government covering two-thirds of the cost up to £5,000.AST BREAK CLAUSES
A break clause allows either party to terminate the agreement after a set amount of time, with a set notice period. Break clauses appear in tenancy agreements that are longer than six months. Most AST agreements are at least six months long, and landlords do not have a guaranteed right to possession during the first six months of atenancy.
WHAT IS TOP SLICING? AND HOW CAN I MAKE IT WORK FOR ME? Top slicing is where a lender uses a landlord’s surplus, personal income within their affordability assessment, to cover the gap between the rental income and required loan size, where the rent alone may not be considered sufficient. Jorden Abbs, Sales Director at Commercial Trust, discusses the pros and cons of top slicing. THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BRIDGING LOAN CALCULATOR The bridging loan calculator will provide you with two figures: The monthly interest payment. The total amount payable at the end of the loan term. There other costs associated with a bridging loan (e.g. lender fee) and different ways of paying your bridging finance, WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BRIDGING LOAN CALCULATOR The bridging loan calculator will provide you with two figures: The monthly interest payment. The total amount payable at the end of the loan term. There other costs associated with a bridging loan (e.g. lender fee) and different ways of paying your bridging finance, WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK ABOUT US | COMMERCIAL TRUST LTD. Commercial Trust Limited is a mortgage broker. Commercial Trust Limited helps clients who want buy to let mortgages, commercial mortgages and bridging loans. The company was launched in July 2012 and is part of a large, privately owned, group of financial organisations. The ethos and values of the company are centred on putting clients first in COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. BREATHING SPACE INITIATIVE VITAL TO DOCUMENTATION Breathing space. The initiative - formally called the Breathing Space Moratorium and Mental Health Crisis Moratorium Regulations 2020 - pauses enforcement action on individuals from creditors including letting agents and landlords. It freezes charges, BUY TO LET MORTGAGE RATES Buy to let mortgage rates. Compare the interest rates of buy to let mortgages and ensure you are getting the best deal possible from over 80 high street and specialist lenders. The interest rates of buy to let mortgages can vary greatly – we will search our panel of lenders to help you get the very best rate we can achieve, to maximise APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. INTRODUCER REWARD SCHEME FOR MORTGAGE INTERMEDIARIES Introducer Reward Scheme. Commercial Trust is a specialist broker offering tailored product recommendations for buy to let mortgages, commercial mortgages and bridging loans, we are a telephone-based operation and as such we work with clients across the UK. We offer a revenue share scheme to members who refer clients to Commercial Trust,which
BUY TO LET STAMP DUTY CALCULATOR Use the calculator to find out how much tax you need to pay. Input your property’s purchase price and hit ‘calculate’. Our buy-to-let stamp duty calculator will tell you: Total stamp duty payable on your buy to let property. The overall tax rate. How the total stamp duty figure is calculated. GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022 On the 18th of November, the Prime Minister, Boris Johnson announced that the Green Homes Grant will be extended in England until the end of March 2022. This means that homeowners and landlords will have a year longer to complete energy-efficient upgrades to their homes, with the government covering two-thirds of the cost up to £5,000.AST BREAK CLAUSES
A break clause allows either party to terminate the agreement after a set amount of time, with a set notice period. Break clauses appear in tenancy agreements that are longer than six months. Most AST agreements are at least six months long, and landlords do not have a guaranteed right to possession during the first six months of atenancy.
WHAT IS TOP SLICING? AND HOW CAN I MAKE IT WORK FOR ME? Top slicing is where a lender uses a landlord’s surplus, personal income within their affordability assessment, to cover the gap between the rental income and required loan size, where the rent alone may not be considered sufficient. Jorden Abbs, Sales Director at Commercial Trust, discusses the pros and cons of top slicing. THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BRIDGING LOAN CALCULATOR The bridging loan calculator will provide you with two figures: The monthly interest payment. The total amount payable at the end of the loan term. There other costs associated with a bridging loan (e.g. lender fee) and different ways of paying your bridging finance, WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BRIDGING LOAN CALCULATOR The bridging loan calculator will provide you with two figures: The monthly interest payment. The total amount payable at the end of the loan term. There other costs associated with a bridging loan (e.g. lender fee) and different ways of paying your bridging finance, WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK ABOUT US | COMMERCIAL TRUST LTD. Commercial Trust Limited is a mortgage broker. Commercial Trust Limited helps clients who want buy to let mortgages, commercial mortgages and bridging loans. The company was launched in July 2012 and is part of a large, privately owned, group of financial organisations. The ethos and values of the company are centred on putting clients first in COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. BREATHING SPACE INITIATIVE VITAL TO DOCUMENTATION Breathing space. The initiative - formally called the Breathing Space Moratorium and Mental Health Crisis Moratorium Regulations 2020 - pauses enforcement action on individuals from creditors including letting agents and landlords. It freezes charges, BUY TO LET MORTGAGE RATES Buy to let mortgage rates. Compare the interest rates of buy to let mortgages and ensure you are getting the best deal possible from over 80 high street and specialist lenders. The interest rates of buy to let mortgages can vary greatly – we will search our panel of lenders to help you get the very best rate we can achieve, to maximise APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. INTRODUCER REWARD SCHEME FOR MORTGAGE INTERMEDIARIES Introducer Reward Scheme. Commercial Trust is a specialist broker offering tailored product recommendations for buy to let mortgages, commercial mortgages and bridging loans, we are a telephone-based operation and as such we work with clients across the UK. We offer a revenue share scheme to members who refer clients to Commercial Trust,which
BUY TO LET STAMP DUTY CALCULATOR Use the calculator to find out how much tax you need to pay. Input your property’s purchase price and hit ‘calculate’. Our buy-to-let stamp duty calculator will tell you: Total stamp duty payable on your buy to let property. The overall tax rate. How the total stamp duty figure is calculated. GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022 On the 18th of November, the Prime Minister, Boris Johnson announced that the Green Homes Grant will be extended in England until the end of March 2022. This means that homeowners and landlords will have a year longer to complete energy-efficient upgrades to their homes, with the government covering two-thirds of the cost up to £5,000.AST BREAK CLAUSES
A break clause allows either party to terminate the agreement after a set amount of time, with a set notice period. Break clauses appear in tenancy agreements that are longer than six months. Most AST agreements are at least six months long, and landlords do not have a guaranteed right to possession during the first six months of atenancy.
WHAT IS TOP SLICING? AND HOW CAN I MAKE IT WORK FOR ME? Top slicing is where a lender uses a landlord’s surplus, personal income within their affordability assessment, to cover the gap between the rental income and required loan size, where the rent alone may not be considered sufficient. Jorden Abbs, Sales Director at Commercial Trust, discusses the pros and cons of top slicing. THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
“NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Personal risk. Another factor that has been highlighted, as an encouragement to councils to reconsider, is the safety of their staff and the electricians required to do the work. Chief Executive of Safeagent, Isobel Thomson, commented: “Now is not the right time to implement any new licensing schemes or electrical safety regulations. COMMERCIAL TENANTS RIGHTSSEE MORE ON COMMERCIALTRUST.CO.UK GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
“NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Personal risk. Another factor that has been highlighted, as an encouragement to councils to reconsider, is the safety of their staff and the electricians required to do the work. Chief Executive of Safeagent, Isobel Thomson, commented: “Now is not the right time to implement any new licensing schemes or electrical safety regulations. COMMERCIAL TENANTS RIGHTSSEE MORE ON COMMERCIALTRUST.CO.UK GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK ABOUT US | COMMERCIAL TRUST LTD. Commercial Trust Limited is a mortgage broker. Commercial Trust Limited helps clients who want buy to let mortgages, commercial mortgages and bridging loans. The company was launched in July 2012 and is part of a large, privately owned, group of financial organisations. The ethos and values of the company are centred on putting clients first in COMMERCIAL MORTGAGES SPECIALIST Commercial mortgages. We aim to get you the very best commercial mortgage possible, from a range of UK lenders, and save you time and money Our team of dedicated, commercial mortgage specialists and experienced account managers have helped hundreds of businesses and investors apply for, and secure, great deals on commercial mortgages. COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. “NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Personal risk. Another factor that has been highlighted, as an encouragement to councils to reconsider, is the safety of their staff and the electricians required to do the work. Chief Executive of Safeagent, Isobel Thomson, commented: “Now is not the right time to implement any new licensing schemes or electrical safety regulations. INTRODUCER REWARD SCHEME FOR MORTGAGE INTERMEDIARIES Introducer Reward Scheme. Commercial Trust is a specialist broker offering tailored product recommendations for buy to let mortgages, commercial mortgages and bridging loans, we are a telephone-based operation and as such we work with clients across the UK. We offer a revenue share scheme to members who refer clients to Commercial Trust,which
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BUY TO LET STAMP DUTY CALCULATOR Use the calculator to find out how much tax you need to pay. Input your property’s purchase price and hit ‘calculate’. Our buy-to-let stamp duty calculator will tell you: Total stamp duty payable on your buy to let property. The overall tax rate. How the total stamp duty figure is calculated. BUY TO LET MORTGAGES FOR LIMITED COMPANIES Buy to let mortgages for limited companies. If you are a landlord investing in property via a trading limited company, or SPV (Special Purpose Vehicle), we can help you secure the very best mortgages for your needs, from a range of over 80 lenders. Whether your company owns a single property, or manages a large multi-property portfolio, wewill
WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
TENANCY AGREEMENT ADDENDUM Amending a tenancy agreement with an addendum. An addendum is a form that is added to the end of the agreement. It details which parts of the original contract are changing (if any) and what is replacing them. Both parties, the landlord and the tenant, need to agree upon and sign an addendum. An addendum won’t always be necessary. THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
“NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Personal risk. Another factor that has been highlighted, as an encouragement to councils to reconsider, is the safety of their staff and the electricians required to do the work. Chief Executive of Safeagent, Isobel Thomson, commented: “Now is not the right time to implement any new licensing schemes or electrical safety regulations. COMMERCIAL TENANTS RIGHTSSEE MORE ON COMMERCIALTRUST.CO.UK GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
“NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Personal risk. Another factor that has been highlighted, as an encouragement to councils to reconsider, is the safety of their staff and the electricians required to do the work. Chief Executive of Safeagent, Isobel Thomson, commented: “Now is not the right time to implement any new licensing schemes or electrical safety regulations. COMMERCIAL TENANTS RIGHTSSEE MORE ON COMMERCIALTRUST.CO.UK GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK ABOUT US | COMMERCIAL TRUST LTD. Commercial Trust Limited is a mortgage broker. Commercial Trust Limited helps clients who want buy to let mortgages, commercial mortgages and bridging loans. The company was launched in July 2012 and is part of a large, privately owned, group of financial organisations. The ethos and values of the company are centred on putting clients first in COMMERCIAL MORTGAGES SPECIALIST Commercial mortgages. We aim to get you the very best commercial mortgage possible, from a range of UK lenders, and save you time and money Our team of dedicated, commercial mortgage specialists and experienced account managers have helped hundreds of businesses and investors apply for, and secure, great deals on commercial mortgages. COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. “NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Personal risk. Another factor that has been highlighted, as an encouragement to councils to reconsider, is the safety of their staff and the electricians required to do the work. Chief Executive of Safeagent, Isobel Thomson, commented: “Now is not the right time to implement any new licensing schemes or electrical safety regulations. INTRODUCER REWARD SCHEME FOR MORTGAGE INTERMEDIARIES Introducer Reward Scheme. Commercial Trust is a specialist broker offering tailored product recommendations for buy to let mortgages, commercial mortgages and bridging loans, we are a telephone-based operation and as such we work with clients across the UK. We offer a revenue share scheme to members who refer clients to Commercial Trust,which
BUY TO LET MORTGAGES FOR LIMITED COMPANIES Buy to let mortgages for limited companies. If you are a landlord investing in property via a trading limited company, or SPV (Special Purpose Vehicle), we can help you secure the very best mortgages for your needs, from a range of over 80 lenders. Whether your company owns a single property, or manages a large multi-property portfolio, wewill
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BUY TO LET STAMP DUTY CALCULATOR Use the calculator to find out how much tax you need to pay. Input your property’s purchase price and hit ‘calculate’. Our buy-to-let stamp duty calculator will tell you: Total stamp duty payable on your buy to let property. The overall tax rate. How the total stamp duty figure is calculated. WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
TENANCY AGREEMENT ADDENDUM Amending a tenancy agreement with an addendum. An addendum is a form that is added to the end of the agreement. It details which parts of the original contract are changing (if any) and what is replacing them. Both parties, the landlord and the tenant, need to agree upon and sign an addendum. An addendum won’t always be necessary. THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BRIDGING LOAN CALCULATOR The bridging loan calculator will provide you with two figures: The monthly interest payment. The total amount payable at the end of the loan term. There other costs associated with a bridging loan (e.g. lender fee) and different ways of paying your bridging finance, WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK THE UK'S SPECIALIST MORTGAGE BROKER Your specialist UK mortgage broker. We specialise in helping landlords get the very best buy to let mortgages, bridging loans and commercial mortgages from a range of UK lenders. Whether you have a single property or a large, multi-property rental portfolio, we will ensure you get the very best rates from over 80 lenders, along with thehighest
COMMERCIAL MORTGAGE CALCULATOR Add the following information to the calculator: The loan amount. The term length - How long you want the mortgage for. The interest rate. Then click the calculate button to see the monthly repayment. Example mortgage rates to use on the calculator are from 2% to 11.99%. Calculating the actual rate and monthly loan payment will depend onthe
COMPARE HOLIDAY LET MORTGAGES A traditional holiday let allows landlords to let out their property to holidaymakers, typically with a minimum stay of one week. Holiday let mortgages are also available for short-term holiday lets, or "Air BnB" style lettings, with shorter minimum stays. Click through to BUY TO LET TAX CALCULATOR FOR LANDLORDS Buy to let tax calculator. Our buy-to-let tax calculator is provided by UK tax specialists Vantage Accounting. Complete the fields to calculate the amount of tax due on your rental income only (not your overall tax position). Important: This calculator is for informationonly. No
PUTTING BUY-TO-LET PROPERTY IN TRUST Any property, whether a personal residence or a buy-to-let property, can be put in a trust. Like individuals, non-charitable trusts pay capital gains tax (CGT), income tax and inheritance tax. This liability falls on the trustee in most cases. But how HMRC calculates and imposes tax depends on the status and terms of the trust. CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. Taking out a regulated buy-to-let mortgage allows you or a familymember to
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BRIDGING LOAN CALCULATOR The bridging loan calculator will provide you with two figures: The monthly interest payment. The total amount payable at the end of the loan term. There other costs associated with a bridging loan (e.g. lender fee) and different ways of paying your bridging finance, WHAT ARE A SITTING TENANT'S RIGHTS? A sitting tenant shares many rights with a non-regulated tenant, such as: the right to quiet enjoyment, i.e. to live in the property undisturbed. the right to live in a property in a good state of repair. Furthermore, sitting tenants have the right to pay a ‘fairrent’.
GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK ABOUT US | COMMERCIAL TRUST LTD. Commercial Trust Limited is a mortgage broker. Commercial Trust Limited helps clients who want buy to let mortgages, commercial mortgages and bridging loans. The company was launched in July 2012 and is part of a large, privately owned, group of financial organisations. The ethos and values of the company are centred on putting clients first in COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. BREATHING SPACE INITIATIVE VITAL TO DOCUMENTATION Breathing space. The initiative - formally called the Breathing Space Moratorium and Mental Health Crisis Moratorium Regulations 2020 - pauses enforcement action on individuals from creditors including letting agents and landlords. It freezes charges, COMPARE HMO MORTGAGES ONLINE Every HMO buy to let mortgage lender will have their own specific set of criteria; the summary below is a general guide. Loan amount: many lenders stipulate a minimum of £25,000, however it is possible to borrow less than this. The maximum loan amount is £15m. Experience is BUY TO LET MORTGAGE RATES Buy to let mortgage rates. Compare the interest rates of buy to let mortgages and ensure you are getting the best deal possible from over 80 high street and specialist lenders. The interest rates of buy to let mortgages can vary greatly – we will search our panel of lenders to help you get the very best rate we can achieve, to maximise INTRODUCER REWARD SCHEME FOR MORTGAGE INTERMEDIARIES Introducer Reward Scheme. Commercial Trust is a specialist broker offering tailored product recommendations for buy to let mortgages, commercial mortgages and bridging loans, we are a telephone-based operation and as such we work with clients across the UK. We offer a revenue share scheme to members who refer clients to Commercial Trust,which
APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property. BUY TO LET STAMP DUTY CALCULATOR On 8th July 2020, the Chancellor announced that there will be a temporary change to stamp duty, whereby on property sales up to 500,000, landlords will only pay the 3% surcharge. This will apply to deals which complete prior to 31st March 2021. * Caravans, houseboats, mobile homes and residential properties bought for lessthan £40,000 are
GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022 On the 18th of November, the Prime Minister, Boris Johnson announced that the Green Homes Grant will be extended in England until the end of March 2022. This means that homeowners and landlords will have a year longer to complete energy-efficient upgrades to their homes, with the government covering two-thirds of the cost up to £5,000.AST BREAK CLAUSES
A break clause allows either party to terminate the agreement after a set amount of time, with a set notice period. Break clauses appear in tenancy agreements that are longer than six months. Most AST agreements are at least six months long, and landlords do not have a guaranteed right to possession during the first six months of atenancy.
THE UK'S SPECIALIST MORTGAGE BROKER Bridging loans. We can get you bridging loans from £25,000 up to 25,000,000, with terms from 3 months minimum (although it may be possible to redeem earlier without penalty) and our lenders' rates start at just 0.55% per month! COMMERCIAL MORTGAGE CALCULATOR Commercial mortgage payment calculator. Use the commercial mortgage calculator to find out how much the monthly payments could be on your commercial mortgage. COMPARE HOLIDAY LET MORTGAGES Holiday let mortgages. Our holiday let specialists will get you the very best mortgage from a range of UK lenders. If you want to purchase or remortgage a traditional holiday BUY TO LET TAX CALCULATOR FOR LANDLORDS Working out the tax on your buy-to-let income. The buy-to-let tax calculator will give you a good indication of the amount of tax you may need to pay on your rental income. CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. BRIDGING LOAN CALCULATOR Bridging loan payments calculator. The monthly payments of bridging loans can vary greatly, as can the total amount you repay – we will search our panel of lenders to get you the lowest costs possible. “NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Industry groups have highlighted that amidst growing Covid cases in the UK, property professionals are still required to enter homes. They are calling for these visits to PUTTING BUY-TO-LET PROPERTY IN TRUST A trust is the name given to an arrangement where one party holds an asset for the benefit of another. Find out about holding buy-to-let property in a trust. COMMERCIAL TENANTS RIGHTSSEE MORE ON COMMERCIALTRUST.CO.UK GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK THE UK'S SPECIALIST MORTGAGE BROKER Bridging loans. We can get you bridging loans from £25,000 up to 25,000,000, with terms from 3 months minimum (although it may be possible to redeem earlier without penalty) and our lenders' rates start at just 0.55% per month! COMMERCIAL MORTGAGE CALCULATOR Commercial mortgage payment calculator. Use the commercial mortgage calculator to find out how much the monthly payments could be on your commercial mortgage. COMPARE HOLIDAY LET MORTGAGES Holiday let mortgages. Our holiday let specialists will get you the very best mortgage from a range of UK lenders. If you want to purchase or remortgage a traditional holiday BUY TO LET TAX CALCULATOR FOR LANDLORDS Working out the tax on your buy-to-let income. The buy-to-let tax calculator will give you a good indication of the amount of tax you may need to pay on your rental income. CAN I LIVE IN MY BUY TO LET PROPERTY? But you may be able to live in your buy to let in the future. Buy-to-let mortgages aren’t unregulated in all circumstances. If you wish to let your property to a related person, or plan to occupy it yourself in the future, the sale will fall under FCA regulation. BRIDGING LOAN CALCULATOR Bridging loan payments calculator. The monthly payments of bridging loans can vary greatly, as can the total amount you repay – we will search our panel of lenders to get you the lowest costs possible. “NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Industry groups have highlighted that amidst growing Covid cases in the UK, property professionals are still required to enter homes. They are calling for these visits to PUTTING BUY-TO-LET PROPERTY IN TRUST A trust is the name given to an arrangement where one party holds an asset for the benefit of another. Find out about holding buy-to-let property in a trust. COMMERCIAL TENANTS RIGHTSSEE MORE ON COMMERCIALTRUST.CO.UK GREEN HOMES GRANT EXTENDED UNTIL MARCH 2022SEE MORE ON COMMERCIALTRUST.CO.UK ABOUT US | COMMERCIAL TRUST LTD. About Commercial Trust. Commercial Trust Limited is a mortgage broker. Commercial Trust Limited helps clients who want buy to let mortgages, commercial mortgages and bridging loans. COMMERCIAL MORTGAGES SPECIALIST Commercial mortgages. We aim to get you the very best commercial mortgage possible, from a range of UK lenders, and save you time and money Our team of dedicated, commercial mortgage specialists and experienced account managers have helped hundreds of businesses and investors apply for, and secure, great deals on commercial mortgages. COMPARE BUY TO LET MORTGAGES ONLINE Buy to let mortgages. We help our customers secure the very best buy to let mortgage for their needs, from a choice of over 80 UK lenders. A buy to let mortgage is designed to allow you to purchase a property, in order to rent it to a third party in exchange for a rental income, from a single tenant or from multiple occupants. “NOW IS NOT THE TIME” FOR NEW LICENSING SCHEMES Industry groups have highlighted that amidst growing Covid cases in the UK, property professionals are still required to enter homes. They are calling for these visits to INTRODUCER REWARD SCHEME FOR MORTGAGE INTERMEDIARIES Commercial Trust is a specialist broker offering tailored product recommendations for buy to let mortgages, commercial mortgages and bridging loans, we are a telephone-based operation and as such we work with clients across the UK. APPLYING FOR A BRIDGING LOAN Applying for a bridging loan. We are here to help you through the bridging loan application process. Applying for a bridging loan is a great way to finance things like buying property at auction or renovating an existing property.AST BREAK CLAUSES
Break clauses appear in tenancy agreements that are longer than six months. Most AST agreements are at least six months long, and landlords do not have a guaranteed right to possession during the first six months of a tenancy.. Example wording for a six-month tenancy break clause WHAT ARE A SITTING TENANT'S RIGHTS? A ‘sitting tenant’ is a different definition of a tenant they are protected under the Rent Act 1977, and have more rights in law than anAST tenant.
BUY TO LET STAMP DUTY CALCULATOR Find out whether the higher rate applies to you. The higher rate of stamp duty applies to most buy-to-let transactions, but some may be exempt. Here is a quick guide to when the rules will apply: TENANCY AGREEMENT ADDENDUM A tenancy agreement can’t predict everything that might come up during the course of the tenancy. Circumstances often change, as may the relationship between the landlord and tenant. We use cookies for website functionality, monitoring and marketing. Use of this site will be taken as acceptance of this. If you object, exit the site and delete your cookies. Find out more Continue We are closed. Click to request an Advisor call-back __ Open Mon-Fri 9am-8pm, Sat 9am-1pm * Buy to let mortgage BTL mortgage types Calculators Landlord downloads Guides * Commercial mortgageCalculator
Commercial guide
* Bridging loans
Calculator Bridgingproducts
* News
* About us
* __
* Enquire __
Search Search Site __ Search Specialist UK broker Buy to let mortgage, commercial mortgage and bridging loan solutions for UK landlords. Apply today with our experts! COMMERCIAL TRUST LTD IS ONE OF THE LARGEST BUY TO LET MORTGAGE BROKERSIN THE UK
We work for landlords to secure finance for buy to let, bridging
and commercial
property.
Each mortgage or loan has its own unique features and is suitable for different purposes. As a broker, between these three product types, we can assist in finding financial solutions for UK property investors. The products we broker do not fall under Financial Conduct Authority (FCA) regulation, who otherwise protect consumers entering into financial contracts for products with which they may be unfamiliar. The FCA sees buy to let investment as a business activity and expects that buy to let investors will generally have an understanding of the risks involved. It oversees consumer buy to let (CBTL) mortgages and regulated mortgage contracts only. __ BUY TO LET MORTGAGE CALCULATOR Borrowing type Purchase Remortgage First time buyerProperty value
Outstanding on existing mortgageFor how many years?
Product type Capital repayment Interest onlyHMO
Ltd Company
Search __ Filters __ Get in touch with our expert team to discover more about the different types of financial solutions we can access and how they can help you with your next buy to let or commercial property investment. __ FREE LANDLORD E-NEWSLETTER Our clients value insights from our Chief Executive, Andrew Turner: * LENDER DEALS - save money or help you invest * LEGISLATIVE CHANGES - help you keep within the law * INDUSTRY NEWS - get vital news fast, so you can act quickly * EXPERT FEEDBACK - get the details behind the headlines * MARKET UPDATES - understand opportunities, threats and changesFirst name*
Last name*
Email address*
We will adhere to applicable law and our privacy policy when handling your data. PLEASE SUBSCRIBE ME. I have read your privacy policySubscribe
GOOGLE REVIEWS FROM OUR CLIENTS__________
Very helpful, prompt and professional service.Kit W, Oct 2019
__________
I couldn't be more pleased with the service that I have received...the team have already begun work on several more applications for us!Damien O, Oct 2019
__________
Very helpful and friendly staff... I have been with the company for nearly 4 years and I keep on using them for any new mortgages andrenewals.
W Goldreich, Oct 2019 * Terms of use, Privacy and Cookie policyCommercial Trust
Norfolk Tower, 48-52 Surrey Street, Norwich, NR1 3PA, United Kingdom, info@commercialtrust.co.uk Freephone: 0808 132 0097*
*
*
Follow us
YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT. Commercial Trust Limited is registered in England 8633445. Registered office: St Crispins House, Duke Street, Norwich NR3 1PD. We are authorised and regulated by the Financial Conduct Authority. Registration number 610175. The advice we give is not FCA regulated. Broker fees. Buy-to-let mortgages up to £1,598. Commercial mortgages and bridging loans: up to £1,998 plus 1% of borrowing. © Copyright 2019 Commercial Trust LimitedDetails
Copyright © 2024 ArchiveBay.com. All rights reserved. Terms of Use | Privacy Policy | DMCA | 2021 | Feedback | Advertising | RSS 2.0