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 DEBT SECURED ON IT.
THE FCA DOES NOT REGULATE ESTATE AGENTS, COMMERCIAL MORTGAGES, SOLICITORS AND SURVEYORS. FOR THESE SERVICES; AND
SECOND CHARGE LOANS, WE ACT AS INTRODUCERS ONLY.
THE FCA DOES NOT REGULATE SOME FORMS OF BUY TO LET MORTGAGES.
THE FCA DOES NOT REGULATE SOME FORMS OF BRIDGE LOANS.
THE FCA DOES NOT REGULATE ACCOUNTANTS AND SOME FORMS OF TAX PLANNING, AUCTION FINANCE. FOR THESE SERVICES, WE ACT AS INTRODUCERS ONLY.
FOR SECURED LOANS, WE ACT AS INTRODUCERS ONLY.

We generally charge a fee upto £1250 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 while explaining 'Information of our services' and 'Data Privacy Statement' during our first meeting.

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

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.

By accessing our website and using us as your advisers, you agree to have read our Data Privacy Notice | Terms of business | Sesame Network Privacy Policy

Registration address : PP Finances, 42 Boxtree Road Harrow HA3 6TH

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