Brilliant Solutions

The internet is down in our Head Office.  Staff continue to answer the phone and respond to messages but understandably response times and service standards are affected.  Please contact your Relationship Manager directly if you have any urgent issues.  Thank you.

Our office will be closed from 5pm Thursday, 20th October to 9am Friday, 21st October.
If you have any cases or enquiries that this may affect, please contact our team today. We apologise for any inconvenience.

We are currently experiencing some technical issues that are affecting our telephone lines and internet connection.

We hope to resolve this asap. Apologies for the inconvenience.

 

In honour of Her Majesty Queen Elizabeth II our offices will be closed on Monday 19th September while our staff pay their respects.

The office will re-open at 9am on Tuesday 20th September.

HTB Update

Here is an update from the BTL and Commercial Mortgage lender, Hampshire Trust Bank.  For full details see their latest product information here.   This is a packaged only lender so give our team a call and we can talk you through any enquiries you may have. 

HTB Announcement

Hampshire Trust Bank Update & Refresh

Specialist BTLs & HMOs:

  • Large & small portfolio 
  • HMOs – no max number of bedrooms 
  • Holiday lets/airbnbs/short term lets – using this income 
  • MUFB – no max number of flats
  • Freehold flats
  • DSS tenants
  • REFURB IN TERM – light refurb to be completed within 3 months

Rates:

  • 3.89% 2yr fixed @ 65% LTV
  • 3.99% 5yr fixed @ 65% LTV
  • 4.09% 2yr fixed @ 75% LTV
  • 4.19% 5yr fixed @ 75% LTV

Semi-Commercial:

  • All types of commercial
  • 60/40 split – value in favour of resi
  • Commercial income considered

Rates:

  • 4.80% 2yr fixed @ 65% LTV
  • 4.90% 5yr fixed @ 75% LTV
  • 5.10% 2yr fixed @ 65% LTV
  • 5.20% 5yr fixed @ 75% LTV

BRIDGING:

  • Development exits
  • Auction purchases
  • Light refurb 
  • Semi-commercial & BTLs/HMOs
  • Fully commercial properties (rates bespoke)
  • Legals and val instructed day 1
  • Aim to complete in 28 days

Rates:

  • 0.55% @ 60% LTV
  • 0.60% @ 65% LTV
  • 0.65% @ 70% LTV

Applicant Types:

  • First time landlords – min income of £25kpa
  • No minimum income for experienced landlords
  • Foreign nationals & expats
  • No max age
  • Trust/SPVs/Ltd companies/self-employed
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