{"id":53719,"date":"2021-07-07T18:43:35","date_gmt":"2021-07-07T17:43:35","guid":{"rendered":"https:\/\/buildloan.co.uk\/v2\/divi\/?page_id=53719"},"modified":"2021-11-16T14:41:34","modified_gmt":"2021-11-16T14:41:34","slug":"renovations","status":"publish","type":"page","link":"https:\/\/buildloan.co.uk\/v2\/renovations\/","title":{"rendered":"Renovations"},"content":{"rendered":"

[et_pb_section fb_built=”1″ _builder_version=”4.9.7″ _module_preset=”default” background_image=”https:\/\/buildloan.co.uk\/v2\/wp-content\/uploads\/2021\/07\/Website-images-33.png” parallax=”on” min_height=”480.7px” custom_padding=”10%||10%||false|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row _builder_version=”4.9.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.9.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_blurb title=”renovations” content_max_width=”450px” admin_label=”Self Build & Renovation Mortgages” _builder_version=”4.9.7″ _module_preset=”default” header_level=”h1″ header_font=”|700||on|||||” header_text_color=”#E09900″ header_font_size=”34px” header_line_height=”1.3em” body_font_size=”16px” body_line_height=”1.8em” background_color=”rgba(255,255,255,0.8)” max_width=”500px” custom_padding=”25px|25px|25px|25px|false|false” global_colors_info=”{}”]<\/p>\n

How do you arrange a mortgage on a renovation property that is deemed uninhabitable? \u00a0A traditional lender won’t offer a mortgage on a property that doesn’t have a working bathroom and kitchen. You’ll need a more specialist approach.<\/p>\n

[\/et_pb_blurb][et_pb_button button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjQ5OTkyIn19@” button_text=”Request a Call Back” _builder_version=”4.9.7″ _dynamic_attributes=”button_url” _module_preset=”default” global_colors_info=”{}”][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ _builder_version=”3.22.7″ _module_preset=”default” min_height=”185px” custom_margin=”2px|||||” custom_padding=”0px|0px|0px|0px|true|false” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row use_custom_gutter=”on” gutter_width=”2″ make_equal=”on” _builder_version=”3.25.4″ width_tablet=”90%” width_phone=”90%” width_last_edited=”off|tablet” max_width_tablet=”90%” max_width_phone=”90%” max_width_last_edited=”off|phone” custom_padding=”0px||6px|||” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”3.25.3″ global_colors_info=”{}”][et_pb_text admin_label=”1″ _builder_version=”4.9.4″ text_font=”Poppins||||||||” text_text_color=”#8a8a9a” text_font_size=”20px” text_line_height=”1.6em” header_font=”Poppins|700|||||||” header_text_color=”#242327″ header_font_size=”40px” header_line_height=”1.3em” text_orientation=”center” background_layout=”dark” max_width=”706px” module_alignment=”center” min_height=”126px” custom_margin=”47px||18px|||” custom_padding=”||11px|||” header_font_size_tablet=”” header_font_size_phone=”25px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

Clients looking for a renovation mortgage – look no further.<\/h1>\n

[\/et_pb_text][et_pb_text admin_label=”1″ _builder_version=”4.9.7″ text_font=”|300|||||||” text_text_color=”#6B6B6B” text_font_size=”16px” text_line_height=”1.8em” header_font=”Poppins|700|||||||” header_text_color=”#242327″ header_font_size=”40px” header_line_height=”1.4em” text_orientation=”center” background_layout=”dark” max_width=”702px” module_alignment=”center” custom_margin=”-18px|||” custom_padding=”8px|||||” header_font_size_tablet=”” header_font_size_phone=”25px” header_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

When it comes to helping your clients renovate a property to live in, its worth noting the majority of high street lenders will only offer a mortgage on a property that they consider to be habitable (working bathroom and kitchen) – eliminating many ‘unconventional’ renovation projects.<\/p>\n

\u00a0High street lenders often won’t lend where major structural works are being carried out, and your client’s borrowing will be limited to 80-95% of their home’s current value – which may not be enough to cover the cost of the planned works.<\/p>\n

With BuildLoan, your clients can borrow up to 95% of the current value of the existing home pl<\/em>us<\/em> up to 95% of the cost of the improvement works.<\/p>\n

 <\/p>\n

[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”About Us Section” _builder_version=”4.9.7″ background_color=”#383838″ background_image=”https:\/\/buildloan.co.uk\/v2\/wp-content\/uploads\/2021\/07\/Website-images-36.png” parallax=”on” custom_margin=”|||” custom_margin_phone=”|0px||0px” custom_margin_last_edited=”off|desktop” custom_padding=”10%||42px|||” animation_direction=”top” da_disable_devices=”off|off|off” box_shadow_style=”preset7″ box_shadow_horizontal=”0px” box_shadow_vertical=”-200px” box_shadow_color=”#ffffff” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”2_3,1_3″ admin_label=”About Us Area” _builder_version=”3.25″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_padding=”27px|0px|0px|0px” animation_direction=”top” global_colors_info=”{}”][et_pb_column type=”2_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”1″ _builder_version=”4.9.7″ text_font=”|300|||||||” text_text_color=”#000000″ text_font_size=”16px” text_line_height=”1.8em” header_font=”Poppins|700|||||||” header_text_align=”left” header_font_size=”33px” header_2_font=”Poppins|700||on|||||” header_2_text_color=”#000000″ header_2_font_size=”30px” header_2_line_height=”1.3em” background_color=”rgba(237,237,237,0.68)” background_size=”initial” background_position=”top_left” background_repeat=”repeat” max_width=”700px” module_alignment=”left” custom_margin=”|||” custom_padding=”10%|10%|10%|10%” animation_direction=”top” locked=”off” global_colors_info=”{}”]<\/p>\n

Why buildloan?<\/h2>\n
    \n
  • Clients can borrow up to 95%<\/strong>\u00a0of the current value of the existing home plus up to 95% of the cost of the improvement works<\/li>\n
  • Cost Based Mortgages<\/strong> removes any risks of down valuation by directly linking stage releases to the cost of the work. \u00a0Payments guaranteed irrespective of lender valuations<\/li>\n
  • Advance Stage Payments<\/strong> funds can be released before each stage of the project<\/li>\n
  • More Money<\/strong> higher loan to cost lending limits – typically 80\/85% but potentially 95%. \u00a0More money released earlier enabling the project to happen<\/li>\n
  • Tailored Cashflow<\/strong> stage releases matched to individual project and financial circumstances<\/li>\n<\/ul>\n

    [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|tablet” admin_label=”Packages” _builder_version=”3.22.3″ custom_padding=”45px||45px||true|false” custom_padding_tablet=”0px||0px|” custom_padding_phone=”” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ admin_label=”Package” _builder_version=”4.9.7″ background_size=”initial” background_position=”top_left” background_repeat=”repeat” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”1_2″ _builder_version=”4.9.7″ background_image=”https:\/\/buildloan.co.uk\/v2\/wp-content\/uploads\/2021\/07\/Website-images-32.png” custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_image src=”https:\/\/buildloan.co.uk\/v2\/wp-content\/uploads\/2021\/07\/Website-images-24-1.png” title_text=”Website images (24)” _builder_version=”4.9.7″ _module_preset=”default” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ _builder_version=”3.25″ custom_padding=”|||” global_colors_info=”{}” custom_padding__hover=”|||”][et_pb_text admin_label=”1″ _builder_version=”4.9.7″ text_font=”Poppins|700||on|||||” text_text_color=”#000000″ text_font_size=”30px” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”55px|||” custom_margin_tablet=”0px||” custom_margin_phone=”0px||” custom_margin_last_edited=”on|desktop” animation_direction=”left” text_font_size_tablet=”” text_font_size_phone=”20px” text_font_size_last_edited=”on|desktop” global_colors_info=”{}”]<\/p>\n

    Clients Renovating to Sell or Let?<\/p>\n

    [\/et_pb_text][et_pb_text admin_label=”1″ _builder_version=”4.9.7″ text_font=”|300|||||||” text_text_color=”#000000″ text_font_size=”16px” text_line_height=”1.8em” background_size=”initial” background_position=”top_left” background_repeat=”repeat” custom_margin=”-10px||” animation_direction=”left” global_colors_info=”{}”]<\/p>\n

    Suppose your clients plan to sell or let the property after the improvement works are complete. In that case, BuildLoan can provide a competitive short term secured development loan or bridging loan to fund the necessary works. On completion of the works, your client repays the loan by refinancing or selling the property.<\/p>\n

    [\/et_pb_text][et_pb_button button_text=”Learn More” _builder_version=”4.12.1″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” button_url=”@ET-DC@eyJkeW5hbWljIjp0cnVlLCJjb250ZW50IjoicG9zdF9saW5rX3VybF9wYWdlIiwic2V0dGluZ3MiOnsicG9zdF9pZCI6IjUwODA0In19@” _dynamic_attributes=”button_url” url_new_window=”on” sticky_enabled=”0″][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"

    How do you arrange a mortgage on a renovation property that is deemed uninhabitable? \u00a0A traditional lender won’t offer a mortgage on a property that doesn’t have a working bathroom and kitchen. You’ll need a more specialist approach.Clients looking for a renovation mortgage – look no further.When it comes to helping your clients renovate a […]<\/p>\n","protected":false},"author":3,"featured_media":0,"parent":0,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"class_list":["post-53719","page","type-page","status-publish","hentry"],"yoast_head":"\nRenovation Mortgages. Uninhabitable Property Mortgage - BuildLoan<\/title>\n<meta name=\"description\" content=\"For mortgage intermediaries. 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