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	<title>first-time owners | Baya financial</title>
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		<title>Have I got enough experience?</title>
		<link>https://bayafinancial.co.uk/have-i-got-enough-experience/</link>
					<comments>https://bayafinancial.co.uk/have-i-got-enough-experience/#respond</comments>
		
		<dc:creator><![CDATA[Eleanor Broadhurst]]></dc:creator>
		<pubDate>Thu, 25 Aug 2022 11:05:05 +0000</pubDate>
				<category><![CDATA[Uncategorised]]></category>
		<category><![CDATA[bridging]]></category>
		<category><![CDATA[bridging finance]]></category>
		<category><![CDATA[bridging loan]]></category>
		<category><![CDATA[broker]]></category>
		<category><![CDATA[buy to let]]></category>
		<category><![CDATA[commercial mortgage]]></category>
		<category><![CDATA[commercial property]]></category>
		<category><![CDATA[development finance]]></category>
		<category><![CDATA[first-time owners]]></category>
		<category><![CDATA[flexible lenders]]></category>
		<category><![CDATA[hmo mortgage]]></category>
		<category><![CDATA[hybrid valuation]]></category>
		<category><![CDATA[investor funds]]></category>
		<category><![CDATA[landlord]]></category>
		<category><![CDATA[lenders]]></category>
		<category><![CDATA[mortgage]]></category>
		<category><![CDATA[mortgage broker]]></category>
		<category><![CDATA[multi unit freehold block]]></category>
		<category><![CDATA[property investment]]></category>
		<category><![CDATA[specialist lending]]></category>
		<guid isPermaLink="false">https://bayafinancial.co.uk/?p=1512</guid>

					<description><![CDATA[Simple Buy to Lets You don’t need any experience for this! If you own your residential property then this opens up your options, but there are still lenders for first-time buyers. Be aware there may be a minimum income requirement, so make sure to be really upfront with your broker. HMOs For small HMOs (up ... <a title="Have I got enough experience?" class="read-more" href="https://bayafinancial.co.uk/have-i-got-enough-experience/">Read more</a>]]></description>
										<content:encoded><![CDATA[<h2 class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">Simple Buy to Lets</span></h2>
<p class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">You don’t need any experience for this! If you own your residential property then this opens up your options, but there are still lenders for first-time buyers.</span></p>
<p class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">Be aware there may be a minimum income</span> <span class="JsGRdQ">requirement, so make sure to be really upfront with your broker.</span></p>
<h2 class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">HMOs</span></h2>
<p class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">For small HMOs (up to 6 bedrooms) we have a number of options for first-time investors.</span></p>
<p class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">What has changed is that we now have options not only for first-time buyers but also large HMOs for first-time investors or buyers.</span></p>
<p class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">These are medium-term products to allow you to gain experience in this area.</span></p>
<h2 class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">Mixed-use Properties</span></h2>
<p class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">We now have a lender for first-time investors for simply mixed-use properties!</span></p>
<p class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">This is a great opportunity for investors to move into a different area, look at longer-term lets and be able to look at more properties.</span></p>
<p class="_04xlpA direction-ltr align-center para-style-body"><span class="JsGRdQ">The commercial element needs to be let, although we can use a bridge if we need to first.</span></p>
<p class="_04xlpA direction-ltr align-center para-style-body">
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