AN INTRODUCTION TO

BRUNELMORTGAGES AND LOANS LTD

THE STEP-BY-STEP GUIDE TO WHO WE ARE AND WHAT WE OFFER

TABLE OF CONTENTS

4Why use Brunel

5The packaging process

6Why use Brunel for your second

mortgage applications?

7Why use Brunel for your Residential

Mortgage applications?

8Why use Brunel for your specialist

Buy-to-application?

9Why use Brunel for your

refurbishment loan applications?

10Our Packaging Fees

(correct at time of going to press)

Why use Brunel?

Secured LoansBuy-to-let FinanceResidential MortgagesCommercial MortgagesShort Term Finance

Personal Service Free sourcing system Over 30 years in business Quick response to enquiries A variety of flexible lenders on our panel You retain your client and your independence 50/50 commission split with no deductions for “costs” Market-leading flat-rate packaging fees that include a valuation No direct to consumer proposition, so we’re not competing with you

What is the packaging process with Brunel?

You retain your clientTell us what your client’s requirements are and we’ll give you all of the options from our lending panel.

You retain the adviceIf any of the options are suitable for your client, you advise them accordingly and let us know which product you need.

Our experienced, knowledgeable staff put the application together for you and fully package to the lender.

You retain 100% of your feesYour fees are your fees. We split the commission 50/50 without deducting any costs and our market-leading packager fee includes a valuation in the majority of cases.

You retain your “Independent” status

Because you’re retaining the advise for your client, you can still call yourself “independent” which is very re-assuring for your clients.

Why use Brunel for your second mortgage applications?

When your clients need to raise additional finance there are several options available to you – further advance, remortgage, unsecured loan and a second mortgage. Second mortgages (secured loans) cater for a wider audience and can often be the best option for your client.

Here are some great reasons for you to consider using Brunel Mortgages and Loans for your clients’ second mortgages:• Your client will not lose their existing interest only, low or fixed- rate mortgage

product.• No up-front fees. Our packaging fee, payable on completion, includes a

valuation in the majority of cases.• A variety of payment options including interest only and repayment and fixed

and variable rates.• No ERCs, even on fixed rate products.• You retain your client throughout the process and beyond. We never cross-sell.• You advise, we package meaning you retain your “independent” status.• We source loans up to 95% LTV for employed and self-employed clients.• Your client’s historic (over a year old) adverse credit can be ignored. Current

adverse credit is also acceptable.• Secured loans can be used for many purposes including, but not limited to,

home improvements, debt consolidation (including DMP, IVA & bankruptcy), tax bills, business purposes and divorce settlements, Buy-to-let deposit, transfer of equity and gifting to children.

Call us today do see how we can help

your client

Why use Brunel for your Residential mortgage applications?

With over 30 years’ experience Brunel Mortgages and Loans have consistently provided intermediaries with access to a great range of market leading secured finance solutions.

Clients who are newly self-employed, have a low credit score, some adverse credit or who are over the maximum age for mainstream lenders may struggle to obtain a residential mortgage from a High street lender. We have various products available for your clients in these circumstance.

Here are some great reasons for you to consider using Brunel Mortgages and Loans for your next residential mortgage:

• Available for purchase, re-mortgage or raising capital on an unencumbered property.

• Loans available from £3,000 up to 85% LTV• Adverse credit over 12 months old ignored. Recent adverse accepted• Mortgages available into retirement and beyond retirement age.• Right to buy (can fund 100% of client’s purchase price)• Shared Ownership (100% of the client’s share)• Interest-only mortgages available• Free valuations available

Why use Brunel for your specialist Buy-to-let applications?

You probably see lots of declines for Buy-to-let finance from the High Street banks:HMOs, portfolios, student lets, blocks of flats, semi-commercial properties, first time landlords, low-value properties and adverse credit can all be placed through Brunel’s lender panel.

Brunel Mortgages and Loans are experts and can find the right solution for you and your clients.

• Competitive rates available including fixed, variable and discount as well as repayment and interest only options.

• First and second charge loans available.• Loans available up to 85% LTV., or 100% LTV additional security.• First time landlords welcome, including Consumer Buy-to-let.• A variety of products for renovation and refurbishment projects available.• No minimum income requirements but we can also use external income to aid

affordability.• Low value properties accepted.• Adverse credit, historic and current, acceptable.• Most of our lender partners do not credit score, with each individual application

underwritten on the basis of it’s own merits.

Why use Brunel for your refurbishment loan applications?

With over 30 years’ experience Brunel Mortgages and Loans have consistently provided intermediaries with access to a great range of marker leading property refurbishment solutions.

• Available to clients who can demonstrate experience of directly managing previous refurbishment projects.

• All property types considered including Residential, Commercial, Semi-commercial, HMOs and Student lets.

• Products available for light, medium refurbishments projects including change of use.

• Loans available from £50k to £5Million.• Rates available from 0.65% - cheaper than a standard bridging loan.• Up to 24 month terms to allow for purchase, planning consents, works and

sale – longer than a standard bridging loan.• Loans available without planning permission.• Pre-agreed term loan exit available.• On completions, the client has the ability to gear up based on the new

value.• We also have “Developer Exit” products to enable experienced developers

to release cash quickly on completion of a project.

Brunel Mortgages & Loans – Packaging Fees

*This fee is due and payable to Brunel Mortgages & Loans Ltd on production of a binding offer. We will allow the customer to add it to the loan if they wish to and defer payment until completion. The packaging fee includes a valuation however, we reserve the right to charge a valuation fee if the property is valued at more than £500k.

And how much?Our Packaging Fee

is just £995!*

Sounds interesting?

Call the team today

01793 612266Or

Apply online

www.brunelmortgages.co.uk/apply