Bridging Link – A New Choice for Regulated Bridging
Monday 2nd November at 14:00
Synopsis: At Bridging Link we pride ourselves on quality and speed of service to both brokers and clients alike. Our approach to cases is simply treating each case completely individually, thereby giving it the maximum chance of success. Typically brokers have found dealing with Bridging Link a breath of fresh air in the regulated arena and we consistently win business from bigger competitors. Our shareholders and directors work your cases, and our underwriting and credit decisions are taken on a completely joined up and instantaneous basis, vastly improving our quality and speed of decision making - which means you and your clients get better results, and end up happier. We quote within an hour, and we often get cases to legals within a few days. Our transparency of communication is second to none and this remains through the whole process - including legals. Our rates to customer and brokers are very compelling. Our commitment to compliance and customer care defines who we are and we believe we are the best in our industry in terms of ethics and TCF. We will always look at cases with commercial merit, and are not afraid of the complex or unusual circumstances out there. All cases have their own unique quirks and we get that. Different to many lenders, we meet and engage with all our customers face to face, the vast majority at site but as Covid has developed we do sometimes now do this via Zoom. We find this improves customer engagement, confidence and service outcomes. Satisfaction and understanding vastly improves for the customer, as does conversion and compliance outcomes for us and you. We are completely passionate about what we do and we hope by meeting us via this webinar you will join our band of really committed partners, and forge a mutually beneficial and long term business relationship.
The Bridging Link philosophy of working with partners
The Bridging Link Criteria and The types of deals we are likely to help with
The Bridging Link Customer journey and the brokers role in that
InterBay - Changes to tax relief – how to help your buy to let customers
Monday 9th November at 14:00
Synopsis: Our guide explains how all of the recent buy to let regulations and tax changes may affect your landlord clients. We encourage you to point them towards a tax specialist to assist them in planning the next steps in their portfolio journey. All of your customers need to understand the importance in getting specialist advice when dealing with their buy to let properties. This guide explains everything in plain and simple language to help you to navigate this difficult area.
“Taking a look at our tax guide to help your buy to let customers.”
During this webinar we’ll cover:
• What changes have taken place and when
• What different taxes could be involved
• What this means to you and your customers
• Which of your landlords are affected
• Real-life examples
• How Kent Reliance for Intermediaries can help and BDM team contact details
InterBay Commercial -Complex buy to let and structures of ownership
Monday 30th November at 14:00
With more landlords considering whether to incorporate it’s essential they’re aware of the implications of running their business as a limited company, or retaining this in personal ownership.
We’ll focus on the various structures of ownership, whilst enforcing the need to ensure your landlords always take independent legal and tax advice.
It will cover the nuances of incorporation tax relief, beneficial interest, and why ‘tenants in common’ is just one of a number of potential solutions for your landlords to consider. We’ll look in-depth at ‘Incorporation tax relief’, and the process with novation of debt and consideration given to capital gains, stamp duty, and ERCs on the mortgages currently held in personal names.
Topics we cover include:
- An introduction to complex buy to let ownership structures
- Overview of different tax structures
- What are debentures and floating charges?
- Stamp duty surcharge and final rules
- Limited company share structures and holding companies
- Buying properties out of a limited company
- Incorporation tax relief
- Let to buy
- First-time buyers and first-time landlords
- Rental yields
- Holiday lets overview (including Airbnb)