HELPING INVESTORSFIND THE BEST PROPERTY FINANCE

HELPING INVESTORSFIND THE BEST PROPERTY FINANCE DEAL

The team at Harvey Bowes are niche property finance brokers, specialising in arranging funding to meet the requirements of property investors.

We offer a wide range of mortgages In addition to standard BTL mortgages, or HMO and commercial mortgages, we also arrange refurbishment and development finance. Furthermore we can arrange insurances to protect you and your property.

From a wide range of lenders Utilising resources from a wide range of lenders, we work for you as the investor rather than financial institutions. Unlike any high street bank, we access mortgages from multiple lenders. This ensures you get the best deal without having to spend valuable time researching the lenders yourself.

Our investor mindset benefits youHarvey Bowes is run by property investors for property investors, giving us the practical knowledge with an investor mindset. You can be confident in our ability to achieve the right finance deals adapted to your requirements.

Harvey Bowes are experts at deal structuring Our team is well versed in the key strategies used by property investors and is committed to identifying the best property finance package for you – one that provides value for money and meets both your immediate and long-term investment strategies. Unlike comparison websites, we take into account your specific requirements and have the knowledge to provides a tailored recommendation.

Two dedicated experts taking care of your caseYou will have a dedicated Mortgage Broker and a Case Manager for every case, providing you with excellent service. Every member of the Harvey Bowes team delivers an integral part of the experience enjoyed by our valued clients.

Unrivalled serviceWe pride ourselves on providing exceptional customer service:• Case processing with deftness and certainty• Allocating you a specialist Mortgage Broker &

Case-Manager • Keeping you informed each step of the process

At Harvey Bowes, you get an experienced specialist broker with detailed industry knowledge and access to key industry lenders, tailoring the best deal to suit your requirements.

HOWARD BOWES.MANAGING DIRECTOR.

HMOAccess to a specialist sectorHMO mortgages are available primarily from specialist lenders. The financial products they offer are designed with the investor and property in mind.

A diverse range of HMO finance productsIn the last few years, the range of HMO finance has been diversified: from specialist refurbishment loans to full development finance for HMO’s and from standard long-term mortgages to short-term funding.

We bring the right investor, property and lender together HMO policies also differ widely, depending on size, geographical area and tenant profile.

Be sure you speak to a mortgage broker with the right understanding, talk to Harvey Bowes about your HMO mortage requirements today - Call us +44 2921 754 150.

The BTL sector has become increasingly competitive over recent years, which has improved the finance products available to investors.

We save you timeFrom rental stress testing to portfolio size; full-time investors to those building a portfolio alongside other revenue streams, the BTL mortgage lenders have different policies that need to be reviewed. We have the expertise to work through such diverse lending criteria and secure the best BTL mortgage deal with speed and certainty.

At Harvey Bowes we can offer: • Finance and Mortgages from a wide range of lenders • Interest Only as well as Repayment options • Same day agreement in principle • 100% LTV available with additional security • Finance for the refurbishment works & purchase • Remortgage within 6 months • BTL/HMO mortgages for experienced and new landlords • Expat and foreign national BTL/HMO mortgages

BUY TO LET

PROPERTY FINANCE

BRIDGING AND SHORT TERMShort term finance can be used for a wide variety of property transactions.

Sometimes to raise funds very quickly, other times to allow refurbishment or perhaps where a change of use is required before the property is suitable for mainstream mortgage funding.

We plan it all for you, from initial funding to re-financeWhen securing this type of funding, one of the most significant factors in assessing whether to lend will be the robustness of the exit. In other words, what is the viability of the project and the likely success of the short-term lender being repaid? This may be refinancing or perhaps the sale of the property. Any conscientious finance broker will ensure you have a robust and substantiated exit before recommending you enter a bridging or short-term loan.

When a bridge or short-term loan may be the answer: • Auction purchase • A property currently uninhabitable • Property needing changes to or splitting of the title • Requiring a change of use, eg. from B&B to HMO • A leasehold property with short lease remaining • To use a property as a security for a business loan • Save property from repossession • Pay unexpected bills, such as tax bills

It is possible to either service the interest with monthly payments or have the interest deducted from the start of the loan. On certain projects it may be possible to roll up the interest to be paid at the end of the loan. The structure will largely depend on the type of loan, your position as borrower and the project.

To find out more contact one of the Harvey Bowes team today +44 29 2175 4150

EXPAT MORTGAGESAt Harvey Bowes, we have access to high street lenders, in addition to specialist and boutique lenders that offer Ex-pat mortgages. Whether you are looking to secure a suitable home for your future return to the UK, or looking to build a UK based property portfolio, our mortgage advisors can help find the right mortgage for you. We can also help with the financial planning related to your mortgage and property portfolio. When it comes to investment property, whether you are looking at single let, HMO’s, multi-unit blocks or commercial, we have the funding solutions to meet your requirements. Our established relationships with ex-pat mortgage lenders and our expert knowledge in the mortgage products available mean that we can satisfy a wide range of personal circumstances and mortgage requirements. We also understand that if you are looking to build a property portfolio it may be tough to find the right contacts in order to acquire suitable property, carry out maintenance and ongoing management requirements; and that’s why we have cultivated relationships with pre-vetted and approved strategic partners in many part of the UK. You can work with our strategic partners with confidence and build a portfolio in the UK no matter where you are currently based.

ASSET FINANCE

CLASSIC CARFINANCE

When could Asset Finance benefit you?

Asset Finance is a great option to generate further income. You could do this when you need to finance new equipment, vehicles or to optimise your cash flow. Using the right asset finance packages, you can preserve your capital while new assets generate additional income.

Harvey Bowes are able to provide a flexible way to finance assets via a range of purchase, lease and hiring options. It may require no deposit or additional security. You can talk to our asset finance specialists who can review your business needs and advise you the right solutions.

At Harvey Bowes we offer carefully researched funding options for classic cars. We can arrange finance for the purchase or to unlock funds in a classic car you already own. You can purchase from a specialist dealer, private sale or classic car auction and our packages are extremely competitive and flexible. Contact our team for further details.

STRATEGIC PARTNERSHIPSSHAWBROOK BANK

Proudly Different. Banking on great business relationshipsAt Shawbrook we take a different approach to business, and that includes the way we support our customers. Via a network of professional intermediaries, we offer a highly personalised service that delivers award-winning products for homeowners, property investors, landlords and SMEs. We recognise that human experience counts for more than algorithms alone, and we provide flexible, responsive products that are hard to find on the high street.

Shawbrook takes great care of their customers and have a long term view about customer service.

Harvey Bowes works closely with Shawbrook for their attention and emphasis on communication with our clients. If you are looking for high customer service, centred on your hopes and aspiration, we know you will be able to count on Shawbrook. We will use Shawbrook to fund: • BTL mortages• HMO mortages• Refurbishment• Expats mortgages

ROMA FINANCE

Established in 2008, Roma Finance is an independent principal lender offering short-term bridging loans secured on residential, commercial and industrial properties throughout England and Wales. We are active members of the ASTL, NACFB and FIBA.

We provide fast bridging finance for property projects and we can lend on either a 1st or 2nd charge basis at market-leading rates.

Our service is a key differentiator and sets us apart from other lenders. We believe we are ahead of the pack with our new service proposition.

By introducing new systems and processes we are targeting the completion of most cases within an average of just 15 days, much quicker than the industry average of 43 days (Source: Bridging Trends).

As a result, Roma Finance has simplified and accelerated the application, valuation and legal requirements which means deals can now complete weeks ahead of other firms and introducers get their fee and commission much earlier.

We meet all customers face-to-face and visit all sites to fully understand transactions and help structure the finance to customer needs. Deliverability, speed of completion and simplicity are our cornerstones and our expert team can assist introducer and customers throughout a case from application to completion.

Our experience in delivering bridging finance for viable propositions means that our products can be used for property projects such as renovations, change of use, property auction purchases and developments, helping to maximise the returns from a project.

Roma operates with a high degree of flexibility, catering for customers with a wide variety of credit profiles and the self-employed, with pragmatic underwriting and quick decisions that can be relied on.

From the mainstream banks such as Barclays and Santander, to the boutique lenders and those who specialise in finance for investors, we have an impressive suite of lenders which empowers us to deliver multiple finance solutions. By understanding both the immediate finance requirements project by project and the overall strategy an investor is using, we can use funding packages that meet short and long term requirements.

As a niche broker specialising in providing finance for property investors, we have carved out key relationships with the lenders that best serve the funding needs of our clients. And as investors ourselves, you can be sure that we understand how important it is for the values and aspirations of our lenders to correlate with those of ourselves and you, the investor.

KEY RELATIONSHIPSMORTGAGE LENDERS

Our suite of short term lenders offer excellent finance solutions for a wide range of eventualities. From raising funds quickly to refurbishment and development, Harvey Bowes are the right team to arrange your finance requirements. Negotiating the right terms and having a robust exit are key to the success of projects funded with short term finance.

SHORT TERM, REFURB AND DEVELOPMENT FINANCE

Talk to the team at Harvey Bowes about your requirements today +44 29 2175 4150

029 2175 4150www.harveybowes.com