1. Approved Mortgage Solutions Paul Hampton Tees Valley Landlord Event Thursday 19 th March 2015

2. Approved Mortgage Solutions Ltd Tel: 0191 516 6894 info@approvedmortgagesolutions.co.uk www.approvedmortgagesolutions.co.uk Agenda Availability of Funds BTL Purchase (Common Problems & Solutions) BTL Re-mortgage (Common Problems & Solutions) General Problems & Solutions Questions

3. Approved Mortgage Solutions Ltd Tel: 0191 516 6894 info@approvedmortgagesolutions.co.uk www.approvedmortgagesolutions.co.uk Availability of Funds Overview 2007 £363 billion of lending £53.6 billion BTL (14.8%) 85% LTV was average 120% rental cover @ pay rate 2012 £152 billion of lending £16.4 billion BTL (10.7%) 75% LTV was average 125% rental cover @ 5% 2014 £204 billion of Lending £27.4 billion BTL (13.4%) 75% LTV was average 125% rental cover @ 6% Source: http://www.cml.org.uk/cml/home/

4. Approved Mortgage Solutions Ltd Tel: 0191 516 6894 info@approvedmortgagesolutions.co.uk www.approvedmortgagesolutions.co.uk Available Products Loan to ValueJanuary 2011March 2015 85%03 80%3 (1 Lender)38 75%70228 70%113295 65%146347 60%175434

5. Approved Mortgage Solutions Ltd Tel: 0191 516 6894 info@approvedmortgagesolutions.co.uk www.approvedmortgagesolutions.co.uk BTL Purchase Common Problems Personal Income Level Minimum Purchase Prices Exposure Limited Company HMO Uninhabitable Property Tenant Types

6. Approved Mortgage Solutions Ltd Tel: 0191 516 6894 info@approvedmortgagesolutions.co.uk www.approvedmortgagesolutions.co.uk BTL Remortgage Common Problems Raising Funds from Current Portfolio Exit Planning Portfolio Maintenance Lenders Valuations vs Landlords Valuations

7. Approved Mortgage Solutions Ltd Tel: 0191 516 6894 info@approvedmortgagesolutions.co.uk www.approvedmortgagesolutions.co.uk Example of Actual Portfolio Postcode Loan Purchase EstimatedLTVCur IntCurrentTransfer ValuationInt Rate Payment Size Price Value RatePaymentint RatePayment 1SR4 6RG £ 57,230 £ 70,050 £ 70,96881%4.99 £ 238.143.79 £ 180.75 £ 81,800.003.59 £ 171.21 2SR4 6HL £ 47,349 £ 57,500 £ 58,71581%4.99 £ 197.023.79 £ 149.54 £ 67,650.003.59 £ 141.65 3SR4 6QX £ 42,212 £ 51,000 £ 57,40074%4.99 £ 175.603.79 £ 133.32 £ 60,500.003.59 £ 126.28 4DL15 0NP £ 45,518 £ 55,000 £ 61,90274%4.99 £ 189.373.79 £ 143.76 £ 62,000.003.79 £ 143.76 5SR4 6QN £ 50,707 £ 66,000 £ 72,20270%4.99 £ 210.983.79 £ 160.15 £ 72,450.003.59 £ 151.70 6SR4 6QZ £ 34,781 £ 45,250 £ 45,32277%4.84 £ 140.283.99 £ 116.38 £ 55,000.003.99 £ 116.38 7DL12 0QG £ 100,885 £ 140,000 £ 148,22968%3.99 £ 548.662.54 £ 453.43 £ 148,229.002.54 £ 453.43 £ 378,682 £ 514,73874% £ 1,700.05 £ 1,337.33 £ 1,304.41 £ 362.72 £ 395.64

8. Approved Mortgage Solutions Ltd Tel: 0191 516 6894 info@approvedmortgagesolutions.co.uk www.approvedmortgagesolutions.co.uk Other Problems Lenders Criteria Lenders Timescales Supporting Documents Application Consistency Comparable Valuations

9. Approved Mortgage Solutions Ltd Tel: 0191 516 6894 info@approvedmortgagesolutions.co.uk www.approvedmortgagesolutions.co.uk Thank You for listening Any Questions?