Mortgage – Desk Personalised Service Variety of financing option Wide access to the finance market BTL/Commercial/Residential Financing – England, Scotland, Wales John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Remortgage -2 Year Fixed Rates Starting From…as of 10.12.18 Property Type Ownership Value Loan to value Mortgage Type Monthly interest rates starting from Monthly Mortgage Payments Buy To Let Personal name £150,000 75% Interest Only (Term 25 Years) 1.52% (-1.2%) (Aprc 4.40%) £166 Buy To Let – Single & HMO Limited company 2.49% = (Aprc 5.89%) £272 Main Residence Personal Name £500,000 Repayment (Term 25 Years) 1.44% = (Aprc 4.87%) £1489 (Term 25 Years) John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Remortgage - 5 Year Fixed Rates Starting From …as of 10.12.2018 Property Type Ownership Value Loan to value Mortgage Type Monthly interest rates starting from Monthly Mortgage Payments Buy To Let Personal name £150,000 75% Interest Only (Term 25 Years) 2.49% -(0.05%) (Aprc 5.89%) £269 Buy To Let – Single & HMO Limited company 3.39% = (Aprc 5.33%) £371 Main Residence Personal Name £500,000 Repayment (Term 25 Years) 1.99% +0.40% (Aprc 3.37%) £1588 John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Challenging Cases BTL Portfolio client – with 14 properties – looking to refinance 2 properties BTL First Time Buyer / landlord – helping to build a portfolio BTL BTL client – light refurb (bridge) WITH an exit from bridging finance Main Residential – First Time Buyer, with adverse – Right to Buy Main Residential – Purchase, first time Buyer, Shared Ownership – income stretch BTL purchases – declined on previous application !!! John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Brokers shout out Tax Calculations (SA302s) and corresponding Tax Year Overviews are no more than 18 months old, please note that for all applications fully submitted from 5 October 2018 the latest Tax Calculations and Tax Year Overviews must be for tax year 2017/2018. Unsecured commitments – credit cards / loans / student loans / overdrafts Proof of rental income – banks statements rent v mortgage payments Ltd Co lending – loan agreement between Ltd Co’s Ltd Co lending – bank accounts. Why do you want more money ? Get all your Ducks in a line – quack, quack, oops John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Multi-Unit Freehold Block (MUFB) New Case Purchase – Staffordshire New enquiry £290,000 (Ltd Co) 6x1 beds, all self-contained Monthly rental income £375 per flat = £2,250 Separate services 1970’s block , brick construction 5 out of 6 let out , working tenants no HB., all on ASTs. Letting manager in place John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Multi-Unit Freehold Block (MUFB) Solution 3.79% Fixed for 2 Years 75% LTV (Ltd Co) Valuation fee £535 (upfront) 75% lending, £217,500 Product fee 1.00% (£2,030– can be added*) Broker fee £395 Early Redemption charges – YES - refer to section 10 of the attached illustration. Monthly mortgage costs £647.55 Rental stress test for the property 130% coverage @ 5.00% = £1178 John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Multi-Unit Freehold Block (MUFB) Consideration Multi Unit Freehold Block Landlord experience – minimum number of properties / years / first time landlords Levels of lending – Generally 75% LTV Minimum property Value: e.g. £150,000 in London and £50,000 elsewhere Number of Units – 4, 6 or 6+ Valuation may be required for individual unit if sold off separately – minimum of £30k, £50k, £75k Minimum size per unit: 30sqm, 50sqm, 75sqm or not stipulated Self-contained including separate services. John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Product transfers It’s important advisers ‘do what is right, not easy The latest UK Finance data shows that product transfers are a substantial part of the market, representing a real opportunity for intermediaries. Product transfers are also very much a positive part of the market. The accessibility of product transfer options is of real benefit to the client. The process for a product transfer and the advice given should not be any different to going elsewhere, John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Best Advice John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Lenders updates Coventry– BTL Interest Coverage Ratio (ICR) and 5 Year Fixed reference rates. - Increasing the total gross income band for 125% ICR from < than £40k to < than £42.5k - increasing the ICR from 140% to 145% where total gross income is £42.5k and above. - Reducing the reference rate on 5 Year or more Fixed products from 5% to 4.5% Virgin Money – 80% lending now available. - BTL 2 year fixed rates starting from 3.45% with £1,995 fee. £995 fee and no fee options also available - 80% LTV BTL 5 year fixed rates starting from 3.61% with £1,995 fee. £995 fee and no fee options also available. - All our deals come with £500 cashback for purchase customers and a free valuation plus a choice of free legal work or £300 cashback for remortgage customers. John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Lenders updates The Mortgage Works (TMW) – Changes to BTL Interest Coverage Ratio (ICR) - 5-year fixed rates: Reduced stress rate from 4.99% to 4.50% for all applications up to 75% LTV - 10-year fixed rates: Reduced stress rate from 4.99% to 4.00% (or pay rate +0.75% if higher) for all applications up to 65% LTV. - Like for Like remortgage - Reduced stress rate from 5.50% to 4.99% for like-for-like remortgage applications between 65% and 75% LTV. Tipton Reduced the minimum ICR requirement five year fixed rate to 125% at the product rate (for experienced landlords who are basic rate taxpayers) - Reduced the ICR calculation for experienced landlords for both basic and higher rate taxpayers - Reduced the minimum age on application from 25 to 21 years John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Want To Protect Your Loved Ones? Personal Cover Critical Illness Cover Income Protection Family Income Benefit Life Cover/ Mortgage Cover T R U S T S Business Cover Business Protection Key Persons Insurance Relevant Life John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages.

Adams Corner, Oakfield Road Contacting us Mortgage-Desk Adams Corner, Oakfield Road Aylesbury HP20 1LL Tel: 01296 329620 / 329614 Email: steve@mortgage-desk.com www.mortgage-desk.com Mortgage-Desk is a trading style of J R Cox, authorised and regulated by the Financial Conduct Authority. Our FCA registration number is 305402. Mortgage-Desk’s permitted business is advising on and arranging mortgages and non-investment insurance contracts. Your home is at risk if you do not keep up repayments on a mortgage or other loan secured on it. Mortgage-Desk provide other services not regulated by the FCA John Robert Cox trading as Mortgage-Desk’ is authorised and regulated by The Financial Conduct Authority. The FCA does not regulate some forms of mortgages, including in most cases Buy To Let Mortgages. Any property used as security, which may include your home, may be repossessed if you do not keep up repayments on your mortgage.