Buy To Let Commercial Mortgage – A Growing Opportunity

October 31, 2010 by  
Filed under commercial mortgage lenders

In the not so distant past the term “buy to let commercial mortgage” would have been synonymous with “residential commercial mortgage”. This is because many lenders and brokers regarded buy to let mortgages as commercial propositions.
Many property investors now consider a good mix of residential and commercial property to be a requirement of a well managed portfolio. This change in demand has forced the market to adapt, buy to let commercial mortgages are now one of the fastest areas of commercial lending.
When considering the range of commercial investment property, the main types of buy to let commercial mortgage products can be defined generally under the headings ‘blue chip’, ‘premium’, ‘secondary’ and ‘speculative’.
The highest quality of investment property would be the “blue chip” investment. These properties will have very good quality tenants on a long lease, as well as occupying the best location. Because of the stability of the tenant these properties become very attractive to the institutional investors, resulting in slightly inflated values. These higher values can put pressure on the buy to let commercial mortgage by reducing yields.
Premium investments would typically be very similar to blue chips, with perhaps the exception of the quality of the tenant. Instead of a well established business, such as a national chain or franchise, the tenant would still expected to be of high standing. Because the values of these properties are more realistic they can offer more attractive rental yields, resulting in more interest from smaller investors.
When examining ‘Premium’ buy to let commercial mortgages lenders will question the experience and financial standing of the investor. The lender will ask can the borrowing costs still be paid in the event of the tenant defaulting? this is particularly important and the valuer may well be asked to comment on the likelihood or otherwise of finding good tenants quickly and easily. Due to this potential for risk, a lender will also be interested in verifying the stability and reliability of the tenant(s).
Not surprisingly, speculative investments are the hardest to fund. Very often the property is not pre-let, may be in need of repair or refurbishment and may not even be in a good location. For these reasons a lender will expect the borrower to have the means to support the buy to let commercial mortgage from Day One – and evidence of this will usually be required.
High street banks and building societies are most likely to favor the blue chip or premium propositions, They usually reward solid investment opportunities will very low interest rates and terms.
Commercial buy to let investors seeking funding for the secondary type of properties have historically struggled to find funding at sensible rates, the challenge was being able offset the renal income against the higher interest rates from the banks. Competition in this sector is bringing rates down though.
Speculative investments continue to be a specialist area, and unsurprisingly there are still few lenders prepared to back these deals unless they are confident of the borrowers ability.
Buy to let commercial mortgages are helping a new breed of property entrepreneur seize opportunities. Obviously caution still needs to be exercised when assessing the profitability of any commercial property investment.

When searching for a buy to let commercial mortgage it is vital to talk to someone with experience in dealing with the full range of commercial property types. Spectrum Business Finance have been arranging commercial finance for over 5 years and have the experience to help in almost all circumstances.

what exactly do private equity employees do?

October 30, 2010 by  
Filed under Private Money Lending

as above…

i’m not so much asking about what private equity inself is…but a person who says “I do private equity” really does (assuming he’s an employee of a firm, not self-employeed or owner of company).

do they read some charts and decide to lend money? decide to invest money? or is it like a little complicated forex game…? or what the hell do they do. and why earn so much!?

How Easy Is It To Get A UK Commercial Mortgage?

October 30, 2010 by  
Filed under commercial mortgage lenders

No matter what kind of mortgage you apply for, whether it’s a commercial mortgage or a residential type of mortgage, you will find that great credit and good collateral will make it easier and more cost effective when it comes to the application process. But if your credit is not ideal, or even if you are planning on buying property in a bad part of town, you still may be able to get the financing that you require. lenders are much more flexible and willing to work with you these days.
Your credit score, how your business is doing, your reason for getting a loan, the specifics of your property location and the appraisal amounts will be taken into consideration when you are trying to get a commercial mortgage. If all of these things do not meet the requirements of the lender, you could go through the whole application process numerous times only to be rejected for financing each time.
Every lender will have a different set of conditions that you will need to meet to get approved. But finding the right lenders and applying to a number of them each with different application forms can be very time consuming and confusing. Instead consider using an independent commercial Mortagage broker. This is by far the easiest and most cost effective way of securing a commercial mortgage. Your broker will be your representative and act as an ambassador between you and the mortgage lenders.
A commercial mortgage broker provides you with the flexibility to approach multiple lenders easily. This will make it much more likely that you will find the right mortgage at a competitive rate. Your broker, since he knows the lenders, may even be able to leverage a special deal for you, something you would never be able to achieve by yourself. You may even receive multiple offers and be in the ideal position of being able to pick and choose.
The broker will, in most cases (90% of the time), charge you nothing for his services, always check this before you proceed with a broker. Only being rewarded himself by the lender after you complete. In turn they will work hard to find, apply for and process the right loan for you fast. When you consider they know the market, and they can approach multiple suitable lenders easily, using an independent broker really is the best option.
You could approach various lenders yourself, but you would have to complete applications over and over again for each lender as their application forms are not standard. If you deal with a broker they will only require that you complete one application and they will then complete multiple applications for the various lenders on your behalf, which will save you a great deal of time, inconvenience and probably money. Your broker will already be familiar with the qualifications of different lenders and your application will only be sent to the lenders who may actually accept you.
There are many ways to complete just about every task in life, including applying for commercial mortgages. If you want the easiest, fastest and most cost effective way to get the loan that you need, then it is recommended that you find an independent commercial mortgage broker to do the work for you. This is the absolute best way to avoid the commercial mortgage application headache and find the best loan for you fast!

As UK Independent Commercial Mortgage Brokers Commercial Lifeline are ideally placed to help if you are looking for a Commercial Mortgage in the UK.

“Hard Money lender in Los Angeles, Commercial loans Califor

October 30, 2010 by  
Filed under Private Money Lending


LosAngelesHardMoneyLenders.com Call 1-866-611-8166 Commercial Hard Money Loans for buying and refinancing. Lite documentation and cash out up to 65% loan to value. Fast Closings.

CMBA Legislative Alert – AB 1160 Forms Now Available!

October 30, 2010 by  
Filed under commercial mortgage lenders


AB 1160, signed into law by Governor Schwarzenegger on October 11, 2009 requires banks and credit unions to summarize the terms of a mortgage loan in Spanish, Chinese, Tagalog, Vietnamese, or Korean if the terms of the loan were negotiated in one of those languages, either orally or in writing. Banks and credit unions can now download the Good Faith Estimate disclosure form and may begin using the form immediately, but not later than October 1, 2010.

Enough With the Loan Mods!

October 30, 2010 by  
Filed under Private Money Lending

Anniston car dealer expands in climate of cautious optimism
Anniston Chrysler Jeep Dodge Ram held a grand opening Thursday to show off its new showroom on South Quintard. It built the space to display its newly expanded inventory of cars, said Wade Dinsmore, general manager of the car lot.

Read more on Anniston Star

Hardy, Testerman vie for District 1 position
Grady County voters in District 1 will be asked to choose between two experienced county commissioner candidates on Tuesday – incumbent Windle Hardy, R-Tuttle, and his predecessor, Roy Testerman, D-Minco.

Read more on The Express-Star

Enough With the Loan Mods!
By Thomas Brown. “We know how to prevent foreclosures,” Paul Willen, a senior economist from the Boston Fed, said at a housing conference in Washington yesterday. “We just need to be prepared to spend the money.” Read more » »

Read more on Guru Focus

BRIDGE LOANS BRIDGING THE GAP REAL ESTATE BRIDGE

October 30, 2010 by  
Filed under commercial mortgage lenders


Bridging Loans and Bridging the gap until traditional funding is in place. commercial mortgage rates, private loans, no doc loans, hard money mortgage, private loans, construction loan, loans high risk, bridge loan, hard money loans, private loans, construction loan refinance commercial,…

Does anybody know any hard money lender provide service in Taiwan market? Thanks.?

October 30, 2010 by  
Filed under Private Money Lending

Germantown Maryland Hard Money Lender

October 30, 2010 by  
Filed under Private Money Lending


Germantown Maryland Hard Money Lender We are a Germantown Maryland Hard Money Lender. This is a loan we did in June of 2010. For more information visit www.hardmoneybankers.com

Anniston car dealer expands in climate of cautious optimism

October 30, 2010 by  
Filed under Private Money Lending

Former county star wants to see college athletes compensated
A Sports Illustrated cover story that exposed the clandestine financial relationship between sports

Read more on The San Luis Obispo Tribune

Ascension aims to cut costs with $10.9M service center
St. Louis-based Ascension Health announced Friday morning that it would open a professional service center in Indianapolis, creating up to 500 jobs by 2013.

Read more on Indianapolis Business Journal

Anniston car dealer expands in climate of cautious optimism
Anniston Chrysler Jeep Dodge Ram held a grand opening Thursday to show off its new showroom on South Quintard. It built the space to display its newly expanded inventory of cars, said Wade Dinsmore, general manager of the car lot.

Read more on Anniston Star

« Previous PageNext Page »

This is not an offer to sell securities. Any person, entity, or organization must first be qualified by the company and read all of the offering documents and attest to reading and fully understanding such documents. CM Yates, Inc. and its affiliates are not licensed securities dealers or brokers and as such, do not hold themselves to be. This website should be construed as informational and not as an advertisement soliciting for any particular purpose. All securities herein discussed have not been registered or approved by any securities regulatory agency in accordance with the securities act of 1933 or any state securities laws.