CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment...
Transcript of CPC Finance · CPC Finance ØDirectly authorised (FCA) mortgage broker ØResidential and investment...
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CPC Finance
ØDirectly authorised (FCA) mortgage broker
ØResidential and investment mortgages
Ø80% of clients are investors
ØRegular repeat clients due to our service
ØMortgage pack updated
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The Past
ØBuild portfolios for investors
ØSTL – term facilities
ØSimple mortgage process with updated packs
(ETEC and portfolio properties schedule)
ØVisits to complete paperwork
ØNo broker fees on loans over £100,000 as we
rely on repeat service
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The Present
ØRestricted loan to values
ØReduced product range
ØIncreased mortgage rates on investor products
ØValuation issues, AVMs, desktop or no
valuations
ØDelayed service levels
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The Future
ØReturn to standard LTVs and rates
ØIncreased paperwork – business plan, voids
and interviews
ØHoliday payments review
ØLonger processing time