Case Study

First-Time Landlord Semi-Commercial Purchase

Client Profile

  • An individual first-time landlord under the age of 25, purchasing first semi-commercial investment property.
  • Property: A semi-commercial investment property being purchased with full vacant possession.
  • Gifted Deposit: Deposit where more than 90% of the funds are gifted from 4 different blood-related relatives.
  • Investment Intent: Client plans to rent the shop and flat out as investment.

The Challenge

Profile & Experience Restrictions

Finding a lender willing to accept a first-time landlord who is a first-time buyer and lacks any prior property management or residential ownership experience.

Gifted Deposits

Navigating strict underwriting guidelines regarding high-percentage gifted deposits (over 90%) coming from multiple separate family donors.

Vacant Possession Risks

Securing financing on an investment property with no current tenants, meaning there is zero immediate rental income on day one. So, it was necessary to find a lender willing to accept the estate agent’s projected rental income, subject to the property being tenanted within a specific timeframe.

The Solution

We have conducted extensive research to find a specialist lender who possesses flexibility in the semi-commercial property sector.
We have successfully arranged a semi-commercial mortgage that meets our client’s goals.

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