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Buy to Let2019-06-06T09:54:58+00:00

Buy to Let

We are not limited to advising and assisting on residential mortgages, we also specialise in defending against Buy to Let Mortgages and commercial loans.

Buy To Let Mortgages and Commercial Loans

Buy To Let Mortgages and Commercial Loans are handled very differently to residential mortgages due to them not being regulated by the Financial Conduct Authority (FCA). There is, in fact, no Government regulation that determines how these loans are to be administered and subsequently there is no regulatory body for a Homeowner to complain to.

As the owner of the property, therefore, you are limited to directly negotiating with your Lender and when this has broken down and you are facing court action or eviction, you have to be able to gain the favour of the court to suspend the action they are taking.

Therefore, a strong understanding of the statutory and case law that relate to your case is absolutely essential to be able to understand what power your Lender actually has over you and your property.

Cases also take different routes, dependent upon which lender you have and how many properties you have with them. Some Lenders will immediately instruct a Law of Property Act (LPA) Receiver, who can make decisions about your property and collect the rent from current tenants without any recourse to the Homeowner.

No Two Cases Are the Same

Ideally, you want to prevent your case from getting to this stage. An LPA receiver can be instructed when you are as little as 2 payments in arrears, your term having expired or simply because you have broken a part of the terms and conditions of your contract which can include, leaving the property empty or allowing a family to reside at the property.

Property Owners that have their property let to a private individual or family further have to be aware of their tenants’ rights and what they can get from the court directly. We have had to repair a number of cases where the tenant and the owner have made an application at the same time, that does not tell the same tale, creating far more confusion for the court than was necessary

With Commercial loans, especially those linked to a company or business overdrafts, the Lender can ‘call the loan in’ which means that the terms and conditions which you were bound by are no longer in place, resulting in a demand for the immediate repayment of the whole loan

Unfortunately, there are few Homeowners that are in a position to meet such a demand, especially when the demand for repayment is on the back of a difficult financial period. Your Lender will use its security on your property to make sure they are paid. These are all circumstances that we are used to dealing with, and once again, no two cases are the same, we will, therefore, need to discuss your specific circumstances so that we can provide specific advice.

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We help save your home by stopping your eviction, helping you clear your arrears negotiating with your lender.

What people have to say about Home Owner Management Services

Thank you so much for your help. We can now keep our home for the long term. We now have to pay our Lender a monthly payment we can finally afford after a year of turmoil. The hardest thing was unpacking all the boxes we had already packed because we thought there was no hope.

Everything you did for us was so quick and professional, our home was saved before we knew it, it took some time to sink in, but they really did achieve what we thought was impossible. In less than 24 hours of phoning them the eviction order was cancelled.

With the weight off our shoulders we can concentrate on living again and earning the money we need to pay the mortgage without living in fear of the Bailiff knocking on the door with an eviction order!

Mr & Mrs J W

I really had my head in the clouds as I believed I now had no where to turn. I had already made my appointment with the council to assess me for emergency housing. However my council said they could only find me a hostel to stay in. 1 call to Aggressive Lender Solutions and I no longer had a problem.

They resolved the Eviction order in a matter of days, giving me every confidence that they could achieve it, every step of the way. I don’t know where Id be if they didn’t help.

Mr B

I really can’t thank you guys enough. I was certainly headed for another breakdown, however, the sheer weight of your support saved me from despair and I am sat at home nice and  warm, in familiar surroundings thanks to you.

I can’t believe, looking back, how much time I wasted trying to convince the lender to let me stay, so many documents and offers, my only regret is honestly not phoning you sooner.

Mrs M
I was at a total loss at what to do with my situation, having been a mortgage broker, I was convinced I had the ability to talk to my lender and negotiate however; nothing I could offer was good enough!

They explained the process to stop the eviction and when it all came together it was like a case of De Ja Vu, it went EXACTLY as they said it would. They got me enough time to save up my deposit to go and rent, and I just let the lender have the house because I had negative equity anyway.

I am now back to a comfortable state of living and have no stresses anymore. I didn’t have to borrow any money from anybody because I didn’t have to pay the mortgage while I was saving up for my rent.

The best part was having the ability to remove my belongings at my own pace, and it not being done for me! I didn’t need to arrange storage or anything. I cant begin to express how grateful I really am!

Mr L

It is never too late to contact us, even if your eviction is only an hour away. Call 0800 298 0571

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