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chatsworthklein fluent in finance
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We’re very glad, to be very different... Chatsworth Klein are independent mortgage brokers with a difference.
chatsworthklein Residential Mortgages
Our aim is to help our clients achieve their goals by offering a combination of market leading mortgage products and shear excellence in customer service. By continually evaluating our clients requirements, we have developed a unique service based approach, irrespective of how large or small the loan may be.
Remortgages Buy To Let Developer Backed Shared Equity Homebuy Direct Property Insurance
It’s not all about mortgages either. We are authorised to discuss protection products to ensure that once you have bought your home, you can keep it, despite what life may throw your way.
Life Assurance
chatsworthklein Private
Also, we are extremely proud of our private finance division for larger loans, as these often require a solution that is not necessarily catered for by the high street.
Investment Portfolio
Chatsworth Klein enjoys excellent relationships with financial institutions worldwide, from high street lenders to the most exclusive of private banks.
Offshore Loans & Property Trusts
High Net Worth Specialists Commercial Development Loans
Special Purpose Vehicles Currency Loans
Whether you’re a potential business partner or simply looking to arrange a mortgage, we know you will enjoy the Chatsworth Klein experience.
Multi-Currency Debt Management Bridging Finance
We had a great time creating this brochure for you, we hope you enjoy reading it.
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Simply great mortgage & protection advice Our service has been especially developed for the home buyer who needs their finances taken care of in a swift and professional manner, whilst having a choice of market leading products. During our initial free consultation we will seek to fully understand your current financial circumstances. This meeting can be performed over the telephone, or if you prefer, face to face. With access to the very latest in mortgage sourcing technology and a wide range of exclusive products, we will then make a recommendation of a mortgage that we feel is best suited to your requirements. Once we have completed the paperwork for you, your Chatsworth Klein broker will work closely with the estate agent or property developer to ensure that you stay within any deadlines you may have. Of course, we will keep you appraised with regular updates and you can even put your mind at rest by tracking your case online. We want you to concentrate on the more exciting aspects of moving home! Once we have helped you to buy your home, we want to make sure that you can keep it, despite what life may throw your way. As such, we offer advice on a range of protection products such as life assurance, critical illness and payment protection.
Buy to let mortgages are specifically designed for people who want to invest in the property market by purchasing one or more properties and letting them out to tenants. The owner is then able to benefit from any appreciation in the capital value of the property itself. Our specialist brokers have experience in placing millions of pounds in buy to let lending every month and have developed close relationships with a number of top lenders. Maybe you’re simply looking to remortgage onto a better rate or like the idea of fixing your payments. Put us to the test today and let us see what we can do for you. A key skill that we offer is our ability to think creatively when it comes to mortgage lending, as we fully accept that not everyone is the same. If you are looking for a mortgage broker with a ‘can do’ attitude, you will enjoy your experience with Chatsworth Klein. We use every mortgage lender on the market ensuring that you get the very best choice. Visit our website for more information at www.chatsworthklein.co.uk.
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Talk is cheap when it comes to service... If you are reading this brochure, it’s very likely that you are considering using Chatsworth Klein for its mortgage services. You may be a business that is considering offering our services or you could be simply looking to arrange your own mortgage. Irrespective of your intentions, you deserve nothing but the best and this is exactly what we consistently deliver.
A full copy of an example SLA can be found on our website. Here are just a few of the performance goals that we set ourselves; All referrals called within one hour of receipt All telephone messages returned within 15mins Dedicated broker (no call centre)
Exceeding peoples expectations is easy to say and sometimes hard to deliver. We know that you’ve probably heard it all before and that’s why we like to publish our service standards.
All emails replied to before 8pm
Chatsworth Klein operates under a strict service charter that guarantees excellence to each of its clients. We communicate this governance in a Service Level Agreement (SLA) which is issued to businesses that refer clients to ourselves.
Weekday coverage between 8am and 8pm
Immediate email feedback on all referrals Online case tracking updated daily
Weekend coverage between 10am and 5pm Mortgage offers within 21 days
Everything we do is measured by a series of principles and metrics established within this agreement, ensuring that everyone concerned gets the very best in customer service. Like we say, talk is cheap, that is why we put our service down in writing. It is this self regulation that makes us unique and will ensure your experience with Chatsworth Klein is a memorable one.
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Thinking outside the box with commercial lending Chatsworth Klein negotiates finance requirements with a full panel of commercial lenders and other financial institutions to provide the right 'match' to your project. We offer a full range of commercial finance Solutions at every stage of the project. Equity Mezzanine Senior (Bank) Debt Hotel & Guest House etc Retail Premises Development Funding
We have access to providers of mezzanine finance and equity participations that can reduce the amount of development capital that is required to inject into individual property development schemes. Whilst terms will often differ significantly from senior debt finance, this does provide a developer with an opportunity to enhance returns from individual development projects. Where appropriate, long-term property finance can be arranged to provide 'exit' from initial, short-term development finance. Chatsworth Klein are also specialists in both buy to let and commercial mortgage markets.
Self Build Typically, the maximum senior debt finance achievable will be equal to 75% of total costs. However, it is important to consider our ability to re-gear finance against planning gain/enhanced value at the project end, therefore vastly increasing finance potential. In short, we can finance on the increased value of the property post development. For experienced property developers with a strong track record,100% of build out costs can be obtained.
Our skills base is spread across both residential and commercial property development finance. For commercial development schemes, we can arrange finance with pre-lets, on pre-sales, or development for owner occupation. Crucially, we provide full assistance with initial residential and commercial property development appraisals, to ensure projects are viable to development lenders. Typically, we arrange commercial and residential mortgages between ÂŁ250,000 to ÂŁ25m.
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Full UK coverage Established in London, the financial capital of the world, we have developed and grown our service throughout the UK. With today’s hectic lifestyle's we have found that our clients do not necessarily have the time in their schedule to meet up. As such, we have developed a highly efficient telephone/email/online service that significantly reduces the duration of the application process.
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Location, location, location Based in the city we are ideally placed to meet with the key account managers and product designers for some of the UK’s largest lending institutions.
Equally, our clients are welcome to come and visit us when discussing their application. For instructions on how to find us please visit the contact us section at chatsworthklein.co.uk.
Sometimes an application simply will not wait and we may need to meet with the lenders underwriter to get the right decision. Our experience has found that the decision makers are normally based in our great City, which is why we are also.
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private [prahy-vit]
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Chatsworth Klein Private For many of our high net worth clients, high street banks simply do not provide the answer to their funding requirements. They rightly demand something more sophisticated; Complex Income Streams Loans in Excess of £500,000 Off-Shore Funding and Complex Tax Structures Multi-Currency Lending Fixed Rate, Base Rate Trackers and LIBOR Linked Rates Available High Net Worth Individuals Asset Value of £500,000 or More In our experience, our clientelle often have complicated income streams, relying on varous sources, such as bonuses and share portfolios. Equally they may have considerable assets in property and investments, but not necesarily a high basic salary. They may require a large loan which high street banks simply cannot cater for and certainly not at competitive rates. For these clients, private banks may provide the answer. This is a highly specialist area and difficult to access funding unless you already have a relationship.
At Chatsworth Klein, we enjoy excellent contacts with such lenders. We often offer exclusive rates that are not available direct and can negotiate the rate and fee on behalf of the client. We can arrange funding on a fixed rate basis, or linked to bank base rate or LIBOR (London Inter Bank Offered Rate), depending on your preference. Off-shore funding and complicated tax structures can also be catered for, as well as multi-currency lending and deals with no early repayment charges. Clients suitable for private bank funding are high net worth individuals with significant investable assets of around £500,000. The private bank will want to develop a relationship with you, so you may also need to open an account with them or deposit a significant amount of savings. Despite the credit crunch, private banks have demonstrated a willingness to lend that hasn’t always been true of the high street. You would be forgiven if you thought that you would have to pay a premium for going to a private bank. In fact, rates and fees are decided on a case by case basis and depending on your particular circumstances are predominately very competitive. Please contact us to take full advantage of our enviable private service.
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challenge [chal-inj]
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We enjoy a challenge, put us to the test... Jumbo mortgage of £5,000,000 arranged on a stately manor residence, 0.01% under bank base for lifetime of loan. Specialist UK Large Loan Team
Investment properties in Chelsea purchased via BVI Company under trust, total loan exceeding £1,020,000.
Investment properties purchased in a prestigious development in Canary Wharf. The site was already fully exposed by HBOS and Lloyds Banking Group, with other funders unwilling to lend. Despite funding options almost unavailable to the client, we obtained funding under a single facility for all 6 units at 3.75% above bank base for lifetime of loan. Private Bank UK
Private Bank Isle of Man
Mr & Mrs P wanted to take advantage of the current market conditions and up-size their main residence, but didn’t want to sell their own property under market value. Chatsworth Klein arranged for a single loan facility which was cross charged over both properties at a rate of 1.65% above LIBOR. Private Bank in Jersey
Mr S approached Chatsworth Klein after his existing mortgage offer was retracted by the lender, with the completion set for next working day. We obtained a mortgage offer via one of our packaging lenders, where we organised the survey and underwriting in house. Offer was received and funds in the solicitors account within 24 hours. Packaged Lender Product More solutions available upon request.
£12,000,000 commercial funding re-structure to enable development works to continue. Developers existing funders re-called the initial facility due to market conditions; without the re-structure, construction works would have ceased. Structured Finance Team – Canary Wharf
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success [suhk-ses]
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Sometimes it’s not what you know... It’s not always what you know, sometimes it can be who you know. This is never more relevant than when it comes to mortgage lending. We have developed a number of strategic alliances with lenders and private banks worldwide. This enables us to offer a range of market leading products at the absolute best price point. Once we understand the clients requirements, we present them to the relevant treasury teams who have the mandate to discuss large loans and give fast decisions. Many of our relationships work on an exclusive basis, giving us funding lines that others simply cannot achieve. We know that you will be impressed by what Chatsworth Klein Private can offer.
Investec Citi Bank Rothschild Schroders EFG Bank Child & Co. Credit Suisse Coutts & Co Bank of China Barclays Premier The ECU Group Kleinwort Benson SG Private Banking
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fancy a coffee? Accessibility is something that we take very seriously. We know that when you need to get hold of us, that’s exactly what needs to happen. Whether it’s a quick call or a cappuccino, you will find us very approachable and very easy to get hold of.
Contact us 19th Floor Portland House Stag Place London SW1E 5RS 0845 680 9768 enquiries@chatsworthklein.co.uk www.chatsworthklein.co.uk
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What makes us different from everyone else is a portfolio of relationships with lenders that other brokers simply do not have. Combine that with a market leading service and you have something very special indeed.
www.chatsworthklein.co.uk YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.
Š Copyright Chatsworth Klein 2009. Chatsworth Klein are an appointed representive of CWS Financial Services who are authorised and regulated by the Financial Services Authority. Registered address 19th Floor, Portland House, Stag Place, London SW1E 5RS