Specialist Overview TM r Specialist Residential Finance the residential finance specialist With residential buy-to-let landlords taking a hammering from increased stamp duty costs, gradually increasing tax bills over the coming years due to changes in what can be offset against tax, and more stringent affordability criteria, there has never been a better time to partner with a buy-to-let specialist. We can offer you products that do not appear on sourcing systems, whether it is for the first time landlord client or the professional property investor with a large property portfolio. Our unique CommercialQuote™ sourcing software can provide an accurate Decision in Principle to you within 60 seconds and h TM Specialist Homeowner Finance the second charge loan specialist 0800 810 1888 secured@specialisthub.co.uk Second Charges where we give the advice If you are looking for an experienced company that offers second charge loans but do not want to give the advice yourself, SHF is the company to contact. Using a panel of 20 lenders, we will ensure your customer receives the best deal possible for their circumstances and will treat them fairly at all times. Interest rates on second charges are the lowest we have ever had and the number of products available is now back to pre 2009 levels. Competition within the market between lenders is intense, with frequent reductions in interest rates and improving lending criteria. Our LoanQuote™ sourcing software allows us to keep right up-to-date with any changes when they happen, not when a sourcing system IT employee gets around to it. We pay fantastic commission to our introducers on the day the loan completes and over 98% of our introducers class our service as “excellent” or “very good”. We are still working on the other 1.8% who only classed us as good. We recognise the client is your customer, not ours! And we also recognise that you are our customer and you have the choice to place your business wherever you choose. That’s why we work incredibly hard to ensure you are happy with our overall business proposition and the outcome for both you and your customer. 0800 810 1777 lpc@specialisthub.co.uk Second Charges where you give the advice For many professional mortgage advisers, second charge loans are still not being considered as an option, even though the Mortgage Credit Directive states they should be if you want to call yourself independent. Advisers care for their clients and rely on repeat business and recommendations. Our research showed advisers were unhappy with the massive fees being charged by packagers for doing very little and the lack of transparency regarding total earnings from an application. Also, they did not feel comfortable with their client being contacted directly or had confidence in the advice being given, often by unqualified advisers. At LPC, we offer a different way. We offer products from all 20 major lenders and in response to the lack of decent sourcing system for second charge loans, we have developed our LoanQuote™ sourcing software. Quoting from almost three thousand different second charge products, including owner occupied, BTL, consumer BTL, HMO, semi commercial and commercial second charge loans, we can provide a fully compliant sourcing solution for you. But best of all, we offer all of this without charging any packager or broker fees. You retain full control of the application, your earnings and provide the advice. At LPC we will not contact your client, but will provide you with all the tools you need to complete loans quickly, compliantly and most importantly, give your client the best second charge deal available for their circumstances. www.SpecialistHub.co.uk 5 help you to quote with lenders that do not use credit scoring, unusual properties or situations, credit issues, gifted deposits and much more. We can also help with applications from ex-pats, foreign nationals, Limited Companies and Offshore Companies. Our expertise can also help you to complete more applications for both small and large HMO’s. In all cases, whether packaged or referred to us, we pay all income you are due on the day of completion - guaranteed. 0800 810 1555 residential@specialisthub.co.uk Specialist Buy-to-Let and HMO products
6 Publizr Home