RESIDENTIAL MORTGAGES
First time buyer
We love helping clients to achieve the huge goal of getting onto the property ladder. We use our experience to guide you on your budget, all the way to collecting the keys for your first home. We typically engage with you as you start your search, educating you on how mortgages work whilst developing a strategy that suits your needs.
Home mover
If the time has come to change properties, whether to increase the size of your home for a growing family or downsize for retirement we offer advice every step of the way. We will look to fully understand your position and your property ambitions and identify the most suitable lender and product to achieve your goals, taking into account all the costs and factors of any house move.
Second homes
Many of our clients aspire to have a second home, perhaps a place in the country or a London pied a terre. Others look to merge this goal with an investment angle, perhaps a seaside retreat that can also be let out to pay for itself. We have extensive experience of working with clients to make these ambitions a reality.
Re-mortgages
The days of staying with one lender throughout your mortgage life are history, the importance of a full independent review cannot be overstated. Managing your mortgage, to ensure it remains suitable and competitive, is as important as having the right investments and approach to your savings.
We love helping clients to achieve the huge goal of getting onto the property ladder. We use our experience to guide you on your budget, all the way to collecting the keys for your first home. We typically engage with you as you start your search, educating you on how mortgages work whilst developing a strategy that suits your needs.
If the time has come to change properties, whether to increase the size of your home for a growing family or downsize for retirement we offer advice every step of the way. We will look to fully understand your position and your property ambitions and identify the most suitable lender and product to achieve your goals, taking into account all the costs and factors of any house move.
Many of our clients aspire to have a second home, perhaps a place in the country or a London pied a terre. Others look to merge this goal with an investment angle, perhaps a seaside retreat that can also be let out to pay for itself. We have extensive experience of working with clients to make these ambitions a reality.
The days of staying with one lender throughout your mortgage life are history, the importance of a full independent review cannot be overstated. Managing your mortgage, to ensure it remains suitable and competitive, is as important as having the right investments and approach to your savings.
INVESTMENT MORTGAGES
Buy to Let
Residential property has been a popular investment option for people for many years, despite changing taxation rules it continues to be attractive for lots of clients. We can advise on the right lenders and products depending on your investment goals and strategy with regular reviews to ensure the optimum returns.
Holiday Let
We understand and have considerable experience of the furnished holiday let and second home markets, especially in the UK. We equally appreciate the range of personal motivations that drive these purchases. We are therefore well positioned to advise on the optimal balance of financing.
Portfolio
Many people aspire to becoming a Landlord or find themselves accidentally becoming one as life moves on. Holdsworth Financial have been helping clients develop their ownership ambitions beyond their own homes for more than 30 years and are current with the latest implications for investment property owners.
Whether you want to diversify investments, create additional pension or build a business our experience and track record of delivery help to make those ambitions into reality with cost effective and appropriate finance solutions.
Residential property has been a popular investment option for people for many years, despite changing taxation rules it continues to be attractive for lots of clients. We can advise on the right lenders and products depending on your investment goals and strategy with regular reviews to ensure the optimum returns.
We understand and have considerable experience of the furnished holiday let and second home markets, especially in the UK. We equally appreciate the range of personal motivations that drive these purchases. We are therefore well positioned to advise on the optimal balance of financing.
Many people aspire to becoming a Landlord or find themselves accidentally becoming one as life moves on. Holdsworth Financial have been helping clients develop their ownership ambitions beyond their own homes for more than 30 years and are current with the latest implications for investment property owners.
Whether you want to diversify investments, create additional pension or build a business our experience and track record of delivery help to make those ambitions into reality with cost effective and appropriate finance solutions.
BESPOKE MORTGAGES
Private banking solutions
Over the years we have developed strong relationships with private banks to deliver bespoke, discrete advice that stretches beyond the traditional remit of a mortgage broker. We can develop lending solutions for clients who are asset based rather than simply income reliant, as well as work with both onshore and offshore trusts and structures.
Large Loans
We have arranged some of the largest, bespoke, residential finance solutions for those acquiring or owning the finest residential properties from prime London addresses to private Country Estates.
Our discreet approach combines with a track record of deliverability, personal service and finding cost effective solutions for larger transactions. Our clients often have complex income and asset structures which we fully understand in order to obtain optimal outcomes from lenders.
Country Houses
We help our clients futureproof through securing funding for improvements in technology or diversification into renewables, carbon offset, various forms of accommodation or commercial. We can help with funding or unlocking funds (rebalancing), as well as refinancing existing debt onto more competitive terms and gearing up assets to invest in and optimise long-term potential.
We have also advised many clients on financing the acquisition of their Country House or mixed use estates. Speed, deliverability and communication are key in securing the best of breed houses. Solutions are tailored for the client and often multiple revenue streams and subsidies are considered alongside traditional earnings and investment income.
Complex Structures
Over the years we have found the right solutions for all manner of situations and we have the expertise to find the right one for you.
Increased regulation of lenders and advisors has made life challenging for those with ‘non-standard’ profiles such as income in foreign currencies, income from multiple sources, offshore income and assets, company structures, trust structures or complex remuneration packages including bonuses, options, equity stakes or share awards. We can help.
Over the years we have developed strong relationships with private banks to deliver bespoke, discrete advice that stretches beyond the traditional remit of a mortgage broker. We can develop lending solutions for clients who are asset based rather than simply income reliant, as well as work with both onshore and offshore trusts and structures.
We have arranged some of the largest, bespoke, residential finance solutions for those acquiring or owning the finest residential properties from prime London addresses to private Country Estates.
Our discreet approach combines with a track record of deliverability, personal service and finding cost effective solutions for larger transactions. Our clients often have complex income and asset structures which we fully understand in order to obtain optimal outcomes from lenders.
We help our clients futureproof through securing funding for improvements in technology or diversification into renewables, carbon offset, various forms of accommodation or commercial. We can help with funding or unlocking funds (rebalancing), as well as refinancing existing debt onto more competitive terms and gearing up assets to invest in and optimise long-term potential.
We have also advised many clients on financing the acquisition of their Country House or mixed use estates. Speed, deliverability and communication are key in securing the best of breed houses. Solutions are tailored for the client and often multiple revenue streams and subsidies are considered alongside traditional earnings and investment income.
Over the years we have found the right solutions for all manner of situations and we have the expertise to find the right one for you.
Increased regulation of lenders and advisors has made life challenging for those with ‘non-standard’ profiles such as income in foreign currencies, income from multiple sources, offshore income and assets, company structures, trust structures or complex remuneration packages including bonuses, options, equity stakes or share awards. We can help.
DEVELOPMENT FINANCE
Development Finance
We can advise on the financing for a range of residential development projects, extensions, subdivision, basement digs or to more complex schemes, permitted development, new builds, self builds and class Q. We can help in situations where clients are looking to make their properties work for them or contribute towards their running costs, including furnished holiday lets and second homes.
We have outstanding experience in these areas.
We can advise on the financing for a range of residential development projects, extensions, subdivision, basement digs or to more complex schemes, permitted development, new builds, self builds and class Q. We can help in situations where clients are looking to make their properties work for them or contribute towards their running costs, including furnished holiday lets and second homes.
We have outstanding experience in these areas.
SPORTS & MEDIA
We really enjoy working with clients in sports and media. In both these disciplines the way people earn their money can be complicated, we understand that and have a brilliant track record of getting the banks to recognise these structures and to provide appropriate facilities. This is proven through our partnerships with the Professional Cricketers Association and the League Managers Association and the enthusiasm of which we support these objectives. Discretion is at the heart of how we operate as many of our clients are in the public eye.
We really enjoy working with clients in sports and media. In both these disciplines the way people earn their money can be complicated, we understand that and have a brilliant track record of getting the banks to recognise these structures and to provide appropriate facilities. This is proven through our partnerships with the Professional Cricketers Association and the League Managers Association and the enthusiasm of which we support these objectives. Discretion is at the heart of how we operate as many of our clients are in the public eye.
We really enjoy working with clients in sports and media. In both these disciplines the way people earn their money can be complicated, we understand that and have a brilliant track record of getting the banks to recognise these structures and to provide appropriate facilities. This is proven through our partnerships with the Professional Cricketers Association and the League Managers Association and the enthusiasm of which we support these objectives. Discretion is at the heart of how we operate as many of our clients are in the public eye.
We really enjoy working with clients in sports and media. In both these disciplines the way people earn their money can be complicated, we understand that and have a brilliant track record of getting the banks to recognise these structures and to provide appropriate facilities. This is proven through our partnerships with the Professional Cricketers Association and the League Managers Association and the enthusiasm of which we support these objectives. Discretion is at the heart of how we operate as many of our clients are in the public eye.
INSURANCE
Protection
The right levels of protection are important for clients whenever they are considering taking on liabilities. We can advise on suitable products or engage with independent third parties to ensure you are suitably covered for the unforeseen whether that is property insurance of personal life assurance.
The right levels of protection are important for clients whenever they are considering taking on liabilities. We can advise on suitable products or engage with independent third parties to ensure you are suitably covered for the unforeseen whether that is property insurance of personal life assurance.