Raymond Jones & Co.

Raymond Jones & Co. With over 13 years of experience, Raymond Jones & Co.

are an independent mortgage advice brokerage with access to over 100 individual lending institutions, from international banks through to regional building societies.

In our recent article covering our prediction for property prices in 2022, we answer the question on all prospective and...
28/03/2022

In our recent article covering our prediction for property prices in 2022, we answer the question on all prospective and existing homeowner’s lips and one that many property professionals are divided on.

Click the link in our bio to read the full article.

While interest rates have steadily risen since the first Bank of England base rate increase, the cost of borrowing finan...
03/03/2022

While interest rates have steadily risen since the first Bank of England base rate increase, the cost of borrowing finance is still very cheap. However, with further rate increases on the horizon, borrowers should really consider their remortgage options sooner rather than later, especially given how most mortgage offers are valid for 6 months.

As always, whether you’re a homeowner or property investor, we’re happy to discuss your circumstances and advise you on the most suitable remortgage solution for you. Drop us a DM or call for more information.

Most mortgages nowadays are ‘portable’, meaning that you’re able to transfer it to another property should you decide to...
15/02/2022

Most mortgages nowadays are ‘portable’, meaning that you’re able to transfer it to another property should you decide to move homes.

Porting is often an attractive alternative to remortgaging as borrowers typically don’t have to pay any exit fees or early repayment charges for leaving their current deal.

It’s possible to move all, less than or even more than the balance of your current mortgage to a new property. It’s worth bearing in mind however that should you decide to port and ‘top up’ your mortgage, the additional borrowing element will be charged at whatever rate of interest your existing lender has available at that time.

If you’re moving homes, don’t hesitate to get in touch. As always, we’re happy to talk through your circumstances and advise on the best course of action.

A case that we were recently able to facilitate entailed a first time buyer purchasing an apartment in Cheltenham.With o...
08/02/2022

A case that we were recently able to facilitate entailed a first time buyer purchasing an apartment in Cheltenham.

With only a 5% deposit, our client was able to secure a competitive rate of interest and fix his monthly mortgage repayments at £875 per month for the first 2 years of the term.

A 2 year fixed product was recommended due to the high loan to value ratio, with the intention of allowing the client to refinance the property in a couple of years time at a lower rate of interest.

Happy Lunar New Year from Raymond Jones & Co. In true Tiger style, we hope this year signifies strength, prosperity, and...
01/02/2022

Happy Lunar New Year from Raymond Jones & Co.

In true Tiger style, we hope this year signifies strength, prosperity, and the overcoming of adversity for all of our clients and followers 🐅🧧

Happy Lunar New Year from Raymond Jones & Co. In true Tiger style, we hope this year signifies strength, prosperity and ...
01/02/2022

Happy Lunar New Year from Raymond Jones & Co.

In true Tiger style, we hope this year signifies strength, prosperity and the overcoming of adversity for all of our clients and followers.

The UK remains a very popular location for foreign nationals to purchase property, which will likely continue to underpi...
31/01/2022

The UK remains a very popular location for foreign nationals to purchase property, which will likely continue to underpin the buoyancy we’re experiencing within the current property market.

In this recent case, we were able to facilitate a residential property purchase for a young Spanish couple buying their first home just outside of London.

Loan to Value (or LTV as it’s commonly known) is a ratio that represents the size of a mortgage as a percentage of a pro...
20/01/2022

Loan to Value (or LTV as it’s commonly known) is a ratio that represents the size of a mortgage as a percentage of a property’s value.

For example, purchasing a property valued at £100,000 with a deposit of £15,000 would require a mortgage of £85,000 (85% LTV). Your LTV is one of the largest factors in determining your mortgage’s interest rate, and is definitely worth considering when applying for a mortgage.

The largest LTV available for residential properties is 95%. Lower rates of interest become available when your LTV reduces in intervals of 5%, all the way down to 60%. Below a 60% LTV, the rate of interest available usually remains the same.

One of our completions this week was for a client refinancing one of his buy to let properties in the Midlands.Remortgag...
13/01/2022

One of our completions this week was for a client refinancing one of his buy to let properties in the Midlands.

Remortgaging allows property owners and investors to reevaluate their mortgage requirements and in our particular clients case, save thousands of pounds a year.

Please feel free to get in touch if you’re in need of property finance or refinance. As always, we’re available for an informal chat to discuss your mortgage arrangements.

Whilst being self-employed can pose difficulties in terms of obtaining mortgage finance, it does provide a degree of fle...
31/12/2021

Whilst being self-employed can pose difficulties in terms of obtaining mortgage finance, it does provide a degree of flexibility over how maximum affordability is determined.

Swipe to see how we increased our clients’ borrowing capacity by using their company accounts instead of personal incomes.

One of our completions this week was for a British expat based in Jordan who purchased a buy-to-let property in Canary W...
21/12/2021

One of our completions this week was for a British expat based in Jordan who purchased a buy-to-let property in Canary Wharf.

This client was previously told that she wouldn’t be able to secure the property as a first time buyer, first time landlord, non-resident, and not paid in sterling. However, we were able to find a solution with a specialist lender.

At Raymond Jones & Co. we understand the market and know what it takes to achieve the best possible outcome. For expert mortgage advice, get in contact with us today.

In Raymond Jones & Co’s first series of articles covering recent market updates, we break down the reasons for the incre...
17/12/2021

In Raymond Jones & Co’s first series of articles covering recent market updates, we break down the reasons for the increase in the Bank of England’s base rate and what this really means for those with mortgages and those considering a property purchase in 2022.

To read the full article, click the link below.

https://www.rbjones.co.uk/bankrateincrease

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Nottingham

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+447972450520

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