Some of you may think this is an odd title for a blog about investment mortgages and property finance, but if the truth be known mortgages are very much like the school bully, meaning they are often misunderstood. With experienced teachers and a considered approach, the school bully can become a caring conscientious member of the school society, making a huge difference to those around them. Similarly, the right investment mortgages, sourced by the right broker with the right experience can make a huge difference to property investment. A misunderstood investment mortgage or poor advice can be disastrous to any property investment.

I also appreciate that investment mortgages can be deemed quite a laborious, if not dull subject so bear with me whilst I attempt to add some humour……….I appreciate I’m grasping at straws with the bully analogy but be assured I am better at property finance than I am blog writing!

HMO financing is significantly different to mainstream lending and here at Bluechip Financial we are one of very few specialists with the experience and understanding of lending for HMOs, particularly when combined with limited company borrowing. The team have over 100 years combined experience in a broad variety of markets and yes, you guessed it, some of us are quite old.

Nick, Kevin and I have a wealth of experience - having operated in various well-respected brokerages including Savills and John Charcol. Over the years, we have worked closely with many lenders including high-street banks, private banks as well as boutique finance houses and it is these relationships that have been integral in negotiating bespoke arrangements specifically for Bluechip Financial and our clients, including Platinum Property Partners.

Our service is as important as the financial recommendations and is one of the reasons Platinum Property Partners chose Bluechip Financial as one of their Power Team Members. You can be certain, that just like the headteacher has seen every type of bully, the team at Bluechip Financial have experienced every client requirement and will guide you through the mortgage process with care and consideration.

As we get to know our clients and their properties, through our lengthy research and product knowledge, we find the most suitable finance solutions and recommend the best way forward. There are many scenarios such as investing in large HMOs, multiple unit blocks, bed sit accommodation or an opportunity at auction that might require some careful consideration, when arranging finances. All scenarios require unique recommendations to ensure a smooth purchasing process. As they say, no job is too big, no pup is too small.….whoops sorry, having a 5-year-old son who loves Paw Patrol can have an untimely influence.

The Bluechip approach with our clients is complete transparency and our resourcefulness means you can always be assured of the best proposal to meet your requirement, even if your situation appears to be intricate and complex. It is this approach that has gained and secured an abundance of loyal customers that come back to us time and time again.

Just like the school playground, the mortgage market is an interesting and fast-moving place, impacted by the economy, politics, interest rate changes and dare I say Brexit. We take a holistic approach that considers a client’s overall circumstances and requirements, not just for now, but also the future.

For more about us (and less about school bullies) our website is a good reference point covering our products, experience, how we work and how we look after our clients. I’ll get back to finance broking now, because as mentioned earlier, blogging is not my forte! (Unless some of you tell me otherwise…...?). Or if you'd like to talk to a member of our team, please contact the office on 01202 692222.