Mortgages

We have access to most lenders from across the market and so can offer you comprehensive range of mortgage products available to intermediaries.

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Buy to Let Mortgages

  • Investment Buy to Let
  • Consumer Buy to Let
Investment Buy to Let (Standard BTL is non regulated)

The purchase of the property is for business purposes for long term income and / or asset growth. Property purchased with an intention to rent it out and neither you nor your relative has ever lived and do not intend to live ever is classed as Investment Buy to Let mortgage contract. They are designed for property investors and private landlords.

Consumer Buy to Let (CBTL is regulated)

These type of buy to let properties constitute of very small numbers and are short-term solution due to client’s circumstantial changes. eg. Accidental landlords - A borrower with no other let properties wishing to obtain a mortgage on a property that has either been inherited or has previously been occupied by the borrower or related person at any time will be classed as Consumer Buy to let mortgage contract.

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE OR ANY OTHER DEBTS SECURED ON IT.
FCA does not regulate commercial mortgages and some forms of buy to let.
FCA does not regulate some forms of bridge loans.
For commercial mortgages and secured loans we act as introducers.

We generally charge a fee of £500 for advising and arranging your mortgage. We also get paid a procuration fee from the lender. In exceptional circumstances, the initial fee payable may be more or less than the fees detailed above. If this happens, we will explain the actual amount payable and the reasons why the fee is different. Once agreed, and before providing any services to you, we will confirm the actual total fee payable in our separate 'Service and Payment Agreement'.

PP Finances is a trading style of PP Associates Limited . PP Associates Limited is an appointed representative of Sesame Ltd which is authorised and regulated by the Financial Conduct Authority.

At outset of our first meeting, we will provide your 'Information about our services' and explain you the cost and charges of our services. This will help you decide if our services are right for you and provide you details of our complaints process and regulatory information.

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Registered Office address : PP Finances, 41 Station Road, Basement Suite 3 and 4, Harrow HA1 2UA

Registration number: 07836928, Country: England and Wales, United Kingdom

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