Mortgages with Sarnie

[Sarnie]

sidekickdmr said:

Hey Sarnie, Dont suppose you do, or know someone legit that does do commercial mortgages do you? Thanks

I don't I'm afraid..........

[Sarnie]

The Rotrex Kid said:

Just so nobody gets upset if he doesn't reply, Sarnie is on holiday this week. His email says he's off for half time, but I think he means half term

Ha!

Damn auto correct on my phone!!

Back at the weekend!

[Bumblebee7]

Sarnie said:

BTL mortgages are unregulated, so there is far less regulation around the use of funds.

Residential mortgages are regulated so the requests for info will be detailed because the advice could jeopardize the roof over your head.....

Brilliant, thanks for the reply Sarnie. That's very helpful and does explain the quantity of questions, I thought it was strange how much they were asking.

[SS9]

Another happy renewal customer here - thanks for your help again Sarnie!

[Sarnie]

SS9 said:

Another happy renewal customer here - thanks for your help again Sarnie!

I don't know who you are* but no problem at all

• It's almost impossible for me to match up PH usernames with real world names....

Edited by Sarnie on Saturday 23 October 08:26

[SS9]

Sarnie said:

I don't know who you are* but no problem at all

• It's almost impossible for me to match up PH usernames with real world names....

Edited by Sarnie on Saturday 23 October 08:26

Steve - this was my 3rd renewal with you and you helped me secure some additional borrowing to fund some home improvements

[Sarnie]

SS9 said:

Steve - this was my 3rd renewal with you and you helped me secure some additional borrowing to fund some home improvements

Ah yes............no problem at all!

[DudleySquires]

Looking for some help with additional borrowing, possibly going down the second charge mortgage route.. hope you don't mind if I PM you..

[Sarnie]

No problem at all!

[leemarkadams]

Just sent you an email via your website with some details of what we are thinking about and be good to get your thoughts.

Cheers

[ninepoint2]

Hi Sarnie just sent you PM/email hope you don't mind

thanks

[Sarnie]

ninepoint2 said:

Hi Sarnie just sent you PM/email hope you don't mind

thanks

Replied!

[chrisr111r]

Very timely to remember about this thread, looking to remortgage my btl in few months, but it needs to be with a lender that is ok with leases rather than the usual 6 monthly ast, any ideas/suggestions gratefully received cheers

[Sarnie]

chrisr111r said:

Very timely to remember about this thread, looking to remortgage my btl in few months, but it needs to be with a lender that is ok with leases rather than the usual 6 monthly ast, any ideas/suggestions gratefully received cheers

Feel free to drop me a line!

[chrisr111r]

Sarnie said:

Feel free to drop me a line!

I felt free, you have pm

[Hoonigan]

I have just sent you a WhatsApp too Sarnie.

Cheers

[duckson]

Morning,

Is there a list of providers that will let you apply for a mortgage product 6 months in advance?
I'm sure that used to a default timescale but, for example, Santander says 4 months.

(current Atom Bank 5yr 1.29% fix finishes 30th June '22 and I'm looking for a 2yr fix with no fees (LTV ~15%) to take me to a point to pay off the lump sum left after this finishes).

[Sarnie]

duckson said:

Morning,

Is there a list of providers that will let you apply for a mortgage product 6 months in advance?
I'm sure that used to a default timescale but, for example, Santander says 4 months.

(current Atom Bank 5yr 1.29% fix finishes 30th June '22 and I'm looking for a 2yr fix with no fees (LTV ~15%) to take me to a point to pay off the lump sum left after this finishes).

There is no set list, it changes along with criteria and rates. Feel free to drop me a line, I'm sure I can help you with this

[AnotherUsername]

I’m now balls deep with Sarnie too. So far been very easy and smooth.

[mholt1995]

mholt1995 said:

Sarnie said:

Hi,

You need your deposit at the point of application as it will be part of the application and AML requirements.

Cheers Sarnie - I'll be in touch next year then to go through the finer details and get everything sorted!

All ready to go now! PM sent