Purchase
Whether you’re seeking your first apartment, a forever home, or an elegant pied-à-terre in the city, the need for a mortgage is almost certain. At JLP Advisory, we appreciate that navigating the realm of purchase mortgages can be both exhilarating and overwhelming. As a premier mortgage broker, we are committed to providing unparalleled clarity and bespoke guidance.
With JLP Advisory, you benefit from our deep expertise, extensive network of lenders, and personalised assistance. We act as your advocate, diligently comparing various offers, negotiating the best terms, and simplifying the complex mortgage process. For mortgages to purchase properties, JLP Advisory provides the knowledge and exceptional service necessary to secure the perfect mortgage. Your dream home is within reach, and we are privileged to assist you on your journey to homeownership.
Remortgage
Navigating the world of remortgage deals can be just as intricate as finding a purchase mortgage. With myriad reasons to consider remortgaging your property, it’s an essential process that every mortgage holder must contemplate.
You may be nearing the end of your fixed-term mortgage and wish to avoid transitioning to a costly Standard Variable Rate (SVR). With more equity in your property, you might seek more advantageous remortgage rates, as a lower loan-to-value (LTV) ratio reduces lender risk and attracts more favourable terms.
A change in your personal circumstances might prompt you to adjust your mortgage, or you could be aiming to refinance your property to free up capital for further investments.
Whatever your requirements, JLP Advisory’s seasoned brokers are here to meticulously assess your situation and secure the most luxurious remortgage deals tailored to your needs.
Limited Company Mortgages
Many discerning professional and portfolio landlords now prefer to acquire properties through a limited company. In light of tax modifications such as the stamp duty increase and the reduction in mortgage interest relief, this approach is gaining even more traction.
Landlords who hold properties within a limited company structure benefit from paying Corporation Tax instead of Income Tax, making them unaffected by the recent changes to mortgage interest relief, as detailed in our downloadable guide. With Corporation Tax currently below 20%, this strategy can significantly optimise your tax liabilities.
Whether you already own a buy-to-let property through a limited company or are considering this method for future acquisitions, securing the most favorable buy-to-let mortgage rates is paramount. However, navigating the mortgage landscape for a limited company is a distinct process compared to financing property in your personal name.
Portfolio Landlord
Buy-to-let portfolio landlords, defined as those with four or more mortgaged properties—including holiday lets and properties in limited companies—face distinct financing challenges. This classification applies to sole applicants with multiple mortgages or joint applicants collectively owning at least four mortgaged properties.
Full-time and professional landlords, whose primary income is derived from rentals, often fall into this category and require specialised portfolio landlord mortgages.
Unlike standard buy-to-let loans, portfolio landlord mortgages involve a comprehensive assessment of the entire property portfolio. Following guidelines set by the UK’s Prudential Regulation Authority (PRA), lenders evaluate factors such as asset quality, overall risk, and the investor’s track record.
Given the complexity of these mortgages, the expertise of JLP Advisory is invaluable. We provide tailored guidance, ensuring you secure the most favorable terms for your investment portfolio, making the process seamless and efficient.
Expat buy-to-let Mortgages
At JLP Advisory, we excel in providing buy-to-let mortgages tailored for expatriates. We frequently assist British expats eager to maintain a presence in the prestigious UK property market, with buy-to-let investments serving as an ideal solution.
Given the exclusivity of lenders offering buy-to-let mortgages to expatriates, expert assistance is essential. Additionally, the ease of securing property finance can vary significantly depending on your location; for instance, arranging buy-to-let mortgages is notably more intricate for expats Asia compared to those in North America.
Foreign National Buy-to-let Mortgages
At JLP Advisory, we specialise in securing buy-to-let and residential mortgages for non-UK residents and citizens. The UK property market, known globally for its stability, remains an attractive investment despite occasional political and economic fluctuations.
Foreign nationals are increasingly interested in UK property, yet navigating property finance can be challenging. Many mainstream lenders are reluctant to work with non-resident investors, often imposing stringent and complex regulations.
Our expertise ensures that you receive tailored guidance and access to optimal mortgage solutions, simplifying the process of investing in the UK rental market.