The Paradigm Advent Calendar

Sunday 1 December

The Paradigm Elves aren’t here at the weekend, but they’ve left our brand new 2020 Compliance Calendar template for you to take a look at and download here


Monday 2 December

Which lenders will consider a BTL application where the property will be let via Air BnB?

Leeds BS, Principality, Furness BS, Tipton BS, Foundation Home Loans, Swansea BS and Together are all able to consider BTL applications where the property will be let out using AirBnB.


Tuesday 3 December

Which lender will accept clients who are currently in an Individual Voluntary Arrangement (IVA)?

MBS Lending and Bluestone will consider residential applications from clients who are currently in an IVA. Bluestone have this as an exclusive product via Brightstar Financial.


Wednesday 4 December

Which lender will consider applications from Foreign Nationals, living overseas?

Gatehouse Bank are happy to accept BTL applications from Foreign Nationals living outside of the UK.


Thursday 5 December

Which lenders will accept LTD company accounts which are over 18 months old?

Metro Bank, Virgin Money and Aldermore will accept LTD company accounts that are 21 months old and Foundation Home Loans will accept LTD company accounts that are 24 months old.


Friday 6 December

Which lenders offer Retirement Interest Only (RIO) mortgages?

Bath BS, Beverley BS, Hanley Intermediaries, Hodge Lifetime, Hinckley & Rugby BS, Ipswich BS, Leeds BS, Marsden BS, Newbury BS, Nottingham and Tipton BS all offer RIO mortgages.


Saturday 7 December

The Paradigm Elves aren’t here at the weekend but their tip for the weekend is to sign up to Paradigm’s CPD Academy to access CPD content and easily record my CPD hours.

Paradigm’s CPD Academy allows advisers to access mortgage and protection related CPD material from a wide range of Paradigm’s Lender and Provider partners. You can use the tool to record the activity you have completed so you can access a running total of your CPD hours. Content on the CPD Academy is regularly updated and has proved extremely popular since its launch and the introduction of the IDD rules. Find out more about the CPD Academy and sign up for free here.


Sunday 8 December

The Paradigm Elves aren’t here at the weekend but their tip for the weekend is to sign up to Paradigm’s CPD Academy to access CPD content and easily record my CPD hours.

Paradigm’s CPD Academy allows advisers to access mortgage and protection related CPD material from a wide range of Paradigm’s Lender and Provider partners. You can use the tool to record the activity you have completed so you can access a running total of your CPD hours. Content on the CPD Academy is regularly updated and has proved extremely popular since its launch and the introduction of the IDD rules. Find out more about the CPD Academy and sign up for free here.


Monday 9 December

Who will allow a First Time Landlord to purchase a HMO property?

BM Solutions, Barclays, Kent Reliance and Together are able to consider First Time Landlords for HMO purchases. 


Tuesday 10 December

Who will accept Buy to Let applications from First Time Buyers?

 

NatWest, Barclays, Precise, Vida Homeloans, Bluestone, Kensington, Melton Building Society, Chorley Building Society, Hanley Intermediaries, Landbay and Together are able to accept BTL applications from First Time Buyers.


Wednesday 11 December

Which Buy to Let lenders are able to lend to trading LTD companies?

Aldermore, Keystone Property Finance, Vida Homeloans, Newbury Building Society, Landbay, TML and Together are happy to lend to LTD companies that are not set up as a Special Purpose Vehicle (SPV) and are trading in another business area.