One Consultancy Solutions

Mortgages & Lending

One Consultancy Solutions

Mortgages & Lending in Real Estate

Our group mortgage advisors and brokers are on hand to support you with all your financing needs.

When you are an existing Accountancy or Conveyancing client of ours, our teams work seamlessly together on your behalf. If you are a new client, we make it a priority to introduce you to our group services to build your package to suit your needs.

From everyday finance to more complicated deals and structures, please contact us to see how we can assist you.

See below for more information on Lending Considerations and the Typical Mortgage Advice Process, and a list of our typical lending services.

Typical Mortgage Advice Process

Review your investment goals: We can help you evaluate your investment strategy, rental income, and financial goals to determine how lending aligns with your long-term plans, assessing the potential benefits, costs, and risks involved.

We will research and compare mortgage deals: We have access to lenders specialising in buy-to-let mortgages and will compare their offers on your behalf, considering interest rates, fees, loan-to-value ratios, rental income requirements, and the flexibility of mortgage terms.

Assess the property’s value: Obtain a professional property valuation to assess its current market value. This valuation helps determine the maximum borrowing capacity and equity available for mortgaging.

Gather required documentation: Prepare necessary documentation, such as proof of rental income, tax returns, property details, and identification. These documents are vital for the mortgage application process.

Apply for a new mortgage: We will submit a mortgage application with your chosen lender. Provide accurate information and respond promptly to any requests for additional details or documentation.

Property valuation and legal process: The lender will typically arrange a valuation of the property to verify its value. Additionally, a solicitor or conveyancer will handle the legal aspects, including property searches, title transfer, and discharging the existing mortgage. As a client of One Consultancy Solutions our experts within OCG Legal* can handle this, coordinating with your advisory team.

Receive a mortgage offer: Upon a successful application and satisfactory valuation, you will receive a formal mortgage offer outlining the terms and conditions. Carefully review this document before proceeding.

Complete the mortgage: Accept the mortgage offer and work with your solicitor or conveyancer to finalise the mortgage process. They will repay any existing mortgage, register the new mortgage, and ensure a smooth transition.

Monitor and adapt: Regularly return to us for reviews of your buy-to-let portfolio and the mortgage market to identify opportunities for refinancing in the future. With our help and guidance, adapt your strategy as necessary to maximise returns on your investment.

Lending Considerations

Rental income and affordability: Lenders typically assess the rental income generated by the property to determine affordability. Ensure that the rental income covers the mortgage payments and any additional expenses associated with the property.

Eligibility criteria: Lenders have specific eligibility criteria for buy-to-let mortgages. Factors such as property type, minimum deposit, landlord experience, and credit history may influence your eligibility. Using our knowledge of various lenders and their criteria, we will find the best options for your unique circumstances.

Tax implications: Remortgaging can have tax implications for buy-to-let properties. As a client of One Consultancy Solutions, we can coordinate with your advisers to plan for the potential impacts of remortgaging on your tax obligations, including capital gains tax and mortgage interest tax relief changes.

Costs and fees: Consider the costs associated with remortgaging, such as valuation fees, legal fees, and potential early repayment charges from your current lender. Our expert advisers can help you to evaluate whether the potential benefits outweigh these expenses.

Future interest rate changes: We will help you to assess the potential impact of future interest rate changes on your mortgage payments and overall investment returns, taking into consideration whether a fixed-rate mortgage or a variable-rate mortgage suits your risk tolerance and long-term investment strategy.

To get more from your lending, please contact us.

Mortgages & Lending

Residential & BTL

Regulated Residential mortgages (for your home)

Buy-to-Let mortgages (for rental properties – non-regulated)

Regulated buy-to-let properties (where rental is not considered an investment e.g. inherited property or let to family)

Bridging finance

Development finance

1st and 2nd charge loans for personal and business purposes

Commercial Mortgages

Owner-occupied

Buy-to-let

Mixed use (owner-occupied and BTL)

Bridging

Development

Franchise lending

Commercial Finance

Business loans
- Including for tax e.g. VAT when purchasing commercial premises
- Management buy-in/out
- Secured or unsecured

Asset finance

Invoice finance

Trade finance

Currency facilities e.g. foreign exchange

Business banking facilities e.g. savings, overdrafts, accounts and credit cards etc.

One Consultancy Solutions Ltd work with our group mortgage advisor OCG Mortgages Ltd in addition to our group legal practice OCG Legal Ltd and alternative providers as required.

OCG Mortgages is a trading name of Just Mortgages Direct Ltd, which is an appointed representative of The Openwork Partnership, a trading style of Openwork Limited which is authorised and regulated by the Financial Conduct Authority. Just Mortgages Direct Ltd registered office: Colwyn House, Sheepen Place, Colchester, Essex, CO3 3LD Registered in England & Wales No 2412345

Visit OCGMortgages.co.uk

Finance & Wealth Management

Financial Planning

Inheritance & Estate Planning

Mortgage & Lending Advice

Retirement Finances & Pensions

Savings & Pension Reviews and Advice

Investment Planning

Tax Planning

Insurance & Protection Planning

Financial Planning for Property Owners & Landlords

Investments

Wealth Management

Investment Selection

Investment Platforms

Investments & Tax

Funds, Stocks & Shares, Bonds

Alternative Investments

Diversification

Protection

Term life insurance

Whole of life insurance

Joint life insurance

Critical illness cover

Terminal illness cover

Children’s cover

Asset Protection

One Consultancy Solutions Ltd work with our regulated financial partners to bring you holistic and discrete financial advice for your affairs.

Contact our Expert team today

Helping people in property access specific finance and lending

One Consultancy Solutions

Ask a question or enquire about a service

For specific enquiries, or to become a client please fill out the form and a member of the team will get back to you, or call us directly on 0203 988 0630

What are you looking for help with? 

Tax & Accountancy

Accounting | Income & Capital Taxes | Financial Planning | Business & Investment Structuring

Mortgages & Lending

BTL | Bridging | Development | 2nd Charge | Commercial | Mixed Use | Business Finance

Conveyancing

Lease Extension | Transfer of equity | Commercial | Land | Remortgage | Bridging | Form 17

Business & Commercial Law

Business Structure | Contracts |
Loan Agreements | Partnership & Shareholder Agreements

Business Succession

Business Continuity | Legal Documents | Scenario Planning | Tax & Estate Planning

Estate Planning

Wills | Probate | Asset Protection | Tax Planning |

Bringing you joined-up services from the One Consultancy Group.

One Consultancy Group
OCG Accountants
OCG Legal
OCG Mortgages