1.  Marcus, Peter or Adrian
 office: 01275 370360
 e-mail: contact@mortgage-style.co.uk
Independent, truly whole-of-market brokers.
Specialists in Buy to Let, HMO’s, and support many local businesses
including other brokers

2. Tonight:
Introducing…
Ian Hoggart our Shawbrook Business Partner
In other news…
• Unlicensed HMO Finance still available at Residential rates (subject to 2 storey, 4 bedroom
maximum, and must be laid out as a standard home).
• More clients taking advantage of the drawdown facility to obtain up to 85% of the value of
their property, no minimum income requirement, and you can retain your existing mortgages
on the property with the new lender just releasing the difference!
• Lastly, Flexible Mortgages still proving incredibly popular with clients releasing huge
amounts of capital using their private residence with no charges for early repayment or
drawing back the funds for use later! Just be aware Valuations are becoming more strict so
speak to us now to get Applications set up at the maximum property values we can obtain!

3. Shawbrook Bank
Refurbishment Finance

4. Residential Refurbishment : Experienced Property
Professionals with a strong personal net worth
Client looking
to purchase
refurbish,
improve or
convert and
then keep.
0.25%* RBD.
Key benefit - HMO conversions
• 75% now - 75% of
after work valuation
• no planning
• Intending to hold
• Conversion to HMO
acceptable
• max 25% of PP on
refurbishment
• must be habitable
• refinance option
• part c/i - interest
only 3 / 5 year option
• for experienced
clients with funds
• 6 months for works
• previous projects
• evidence of material
income
To find out more contact the sales desk on 01277751111

5. Residential Refurbishment Property – Case Study
Large Victorian style 4 bed - into 7 bed HMO. Experienced !
PP £220,000 when done £350,000 agreed @ 75% LTV to purchase
On completion, 75% of final value = £262,500
Spend £25,000 – client released £17500 for next project

6. Short Term Loans: Experienced Property
Professionals looking to buy quickly
Client looking
to buy at auction
or refinance or
remove
development
finance -
0.25%* RBD.
Key benefit – auctions or quick purchases
• known exit strategy
• refinance available
• 0 - 18 month term
• no redemption fees
• experienced client
• maximum ltv 70%
• paid or retained
• interest on full loan
• residential / mixed
• commercial
• rates from 0.65%
• switch to term loan
To find out more contact the stl team on 01277751103

7. Short Term Loans – Case Study
Refinance of 11 new build self contained apartments – Value £1.15M
Loan of £750,000 agreed @ 65% LTV to refinance existing bridging @
1.25% per month plus some capital raising
18 month Interest Only @ 0.65% per month - No exit or repayment
penalty
mission paid to introducer = £5,625

8. Short Term Refurbishment : Experienced Property
Professionals with a track record of refurbishment
 Client looking
for light or heavy
refurbishment,
looking to flip
0.25%* RBD.
Key benefit – could borrow against uplift
• up to 70% of MV
• 0 - 18 month term
• no redemption fees
• should have funds
• additional security*
• paid or retained
• can flip to term
• known exit strategy
• light 15% spend
• heavy no max
• rates 0.73% - 0.89%
• prioritised valuation
To find out more contact the stl team on 01277751103

9. Light Refurbishment Loan – Case Study
Purchase of a property @ £129,500- £20,000 to be spent on works from
applicants own funds
Valuation upon completion expected @ £180,000 (confirmed at
valuation)
Loan of £90,650 (70% of LTV) agreed 12 month term Interest Only @
0.73% per month – no exit penalty also transfer to ltl @ 70% of when
done value.
ommission paid to introducer = £679

10. Light Refurbishment Loan – Case Study
Purchase of a property @ £129,500- £20,000 to be spent on works from
applicants own funds
Valuation upon completion expected @ £180,000 (confirmed at
valuation)
Loan of £90,650 (70% of LTV) agreed 12 month term Interest Only @
0.73% per month – no exit penalty also transfer to ltl @ 70% of when
done value.
ommission paid to introducer = £679