cpc finance · cpc finance Ødirectly authorised (fca) mortgage broker Øresidential and investment...

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Page 1: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service
Page 2: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service

CPC Finance

ØDirectly authorised (FCA) mortgage broker

ØResidential and investment mortgages

Ø80% of clients are investors

ØRegular repeat clients due to our service

ØMortgage pack updated

Page 3: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service

The Past

ØBuild portfolios for investors

ØSTL – term facilities

ØSimple mortgage process with updated packs

(ETEC and portfolio properties schedule)

ØVisits to complete paperwork

ØNo broker fees on loans over £100,000 as we

rely on repeat service

Page 4: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service
Page 5: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service
Page 6: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service
Page 7: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service
Page 8: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service

The Present

ØRestricted loan to values

ØReduced product range

ØIncreased mortgage rates on investor products

ØValuation issues, AVMs, desktop or no

valuations

ØDelayed service levels

Page 9: CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment mortgages Ø80% of clients are investors ØRegular repeat clients due to our service

The Future

ØReturn to standard LTVs and rates

ØIncreased paperwork – business plan, voids

and interviews

ØHoliday payments review

ØLonger processing time