Get in touch | Baya financial

Get in touch

Flat 12 St Georges Court

St Albans

AL1 3NR

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// HERE’S A POSITIVE FRIDAY POST FOR YOU!! // T

// HERE’S A POSITIVE FRIDAY POST FOR YOU!! //

There’s been a lot of talk of increased rates and delays in applications recently, so time for some good news!

We have a lender who will now not only lend to first time landlords for HMOs (without a limit on number of bedrooms) but will do it with a commercial valuation!!

There are of course some caveats - the property needs to be a proper HMO, and the valuer needs to agree that it would be sold on as one rather than a house (check out my podcast with Andy Graham if you want more info on this) but it’s the same criteria as the other lenders we have for commercial valuations.

This really does open up the potential for your first project!

Give me a cal if you want any further info… 📲
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#mortgagebroker #mortgageadvisor #propertydeveloper #propertyinvestor #propertyinvestment #bayafinancial

// OUR ST ALBANS UNDER 10S ARE CHAMPIONS!! 🎉🏆⚽️ //

Retaining their title for the third year at the St Albans tournament and we are so proud of them! 😊
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#bayafinancial #sacy #mortgagebroker #propertyinvestor #propertyinvestment #girlsfootball #ladiesfootball

// HERE’S ANOTHER REASON WHY RATE JUST ISN’T T

// HERE’S ANOTHER REASON WHY RATE JUST ISN’T THE MOST IMPORTANT FACTOR! //

I’m having less conversations about the ‘lowest rate option’ now so I must be doing something right! 🤣

We had a valuation back this week which really made me realise what a great option this can be though, with the market so buoyant at the moment we are seeing some great refinance valuations but it’s not always like that. And there are other challenges currently like builders, build costs, planning delays and so on…

There’s always a reason to want some flexibility with your mortgage. And allowing that keeps your long term costs down - as well as making your life as easy as possible!

As always, give us a cal if you have any questions or want to chat through a particular case…
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#bayafinancial #mortgagebroker #mortgageadvise #hmomortgage #propertyinvestor #propertydeveloper #propertyinvestment

// VALUATION PACKS!! // I’ve had a few question

// VALUATION PACKS!! //

I’ve had a few questions on these this week, so here’s some of my thoughts!

This is where we are different from other brokers… we only arrange mortgages for investment property, so we understand what is needed for your project because we do so many of them!

We will spend the time with you to go through your valuation pack, give you some feedback and give you the best chance of maximising your refinance valuation.

Let me know if you need anything else…
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#mortgagebroker #mortgageadvise #hmomortgage #valuationpack #bayafinancial #propertyinvestment #propertyinvestor #propertydeveloper