First Time Buyer Guide to buying your own home.
Elevate your move with our tailored Home Mover Mortgage for a smooth transition to your new dream home.
Refinance with our Home Owner Remortgage for better rates, releasing equity, or funding improvements—empowering your homeownership journey.
Dive into property investment with our Buy-to-Let Mortgage, tailored for both seasoned investors and first-timers seeking to build a profitable portfolio.
Transform your vacation home investment dreams into reality with a Holiday Let Mortgage,
Green Mortgages 🌳 are a new type of mortgage that rewards you for making your home more energy efficient.
Mortgages Adverse Credit Mortgages 📉 are for people with a poor credit history.
Cut NHS wait times with private medical care and private hospitals.
Pay off your mortgage if you or your partner die.
Navigate property transitions seamlessly with our Bridging Finance, offering quick and secure solutions for your short-term financial needs.
Secure your auction triumph with Auction Finance, providing the financial backing needed to confidently bid and acquire your desired property.
Landlords have More Intercompany Loan Options
The Mortgage Works (TMW) will now allow "Intercompany Loans" as a deposit. TMW will now allow a Trading Company you own to 'loan' your Property SPV Company money for use in the deposit. An essential bit of criteria as TMW (& most lenders) don't offer BTL mortgages for trading companies.
With TMW, both companies are required to have the same directors and shareholders, and the donor company must have been actively trading for a minimum of 12 months.
You should talk to your accountant about this arrangement. Your tax advisers may prefer complicated ownership structures such as parent companies, which most mortgage lenders still do not allow and should be avoided. This is, therefore, a significant change in criteria. TMW is late to this, following in the footsteps of Aldermore, CHL, Fleet, Foundation, Kensington, KRBS, Landbay, and many others.
Put simply, this allows your trading business (Car Sales, Widget Maker, Manufacturer, IT Consultant, etc.) to loan funds to a Property SPV. It's an excellent way to diversify your income and investments.
We are your online mortgage broker, offering you the convenience of applying for a mortgage online. However, we understand that sometimes you may prefer to speak with a human - phone, email or in person.
31 Bradford Chamber Business Park,
New Lane, Bradford, BD4 8BX
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We are authorised and regulated by the Financial Conduct Authority (No. 919921). The FCA does not regulate most Buy to Let mortgages.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on your mortgage.
Cyborg Finance Limited is registered in England and Wales (No. 12131863) at Bradford Chamber, New Lane, Bradford, BD4 8BX