HMO: Helping a husband-and-wife team build their portfolio
Building a property portfolio from the ground up isn’t just about buying and selling—it’s about navigating a complex landscape. Even seasoned investors can find the transition to landlord daunting.
"A fabulous relationship manager who seamlessly makes everything seem so simple!"
How we helped
When an experienced husband-and-wife team Axmo Property Limited, set their sights on building a long-term property portfolio, it was never going to be easy, even with their background in buying and selling properties. Sue Lewis, Senior Relationship Director at YBS Commercial Mortgages, helped them on their journey, securing the funding they needed to shift from short-term gains to a rental portfolio built for the future.
The property was a 6 bed, recently converted, quality HMO in London. There were a few delays securing the correct licences, but because of the clients’ background, experience, and knowledge of the sector, YBS Commercial Mortgages were able to agree the lending and prevent any delays. And as always, the close relationship with the broker ensured YBS Commercial Mortgages had all the information needed on time and any problems were worked through together.
The broker’s view
The broker, Joseph Kay, from Mirabelle Finance was really impressed with the service he received:"The fact that YBS Commercial Mortgages has dedicated people at each stage of the process to assist you and your clients is standout. And, as ever, Sue Lewis always goes above and beyond, and I can say this as someone with many years’ experience dealing with lots of commercial lenders. Also, having a lender who has the willingness to work with brokers to smooth through issues, is a key reason we choose YBS Commercial Mortgages."
The deal
Loan amount: £422,500
6 bed recently converted HMO
Located in London
Loan term: 25 years
5-year fixed
Loan to value 65%
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