Regional Analysis

North

Regional Analysis

  • According to data from Fleet, rental yields in the North are higher than elsewhere in England & Wales.
  • However, Northern regions recorded some of the slowest rental inflation according to Office of National Statistics.
  • Excluding Greater London, the North accounted for 15.2% of mortgage applications received by Fleet.

Key Takeaways

  • What type of properties are Landlords in the North buying?
  • In the last 12 months, houses 25%, and in particular terrace houses 54%, were very popular amongst Landlords in the North (North, North West, Yorkshire & Humberside). In total these two property types accounted for 79% of the security offered in mortgage applications from this region.

  • Are Landlords buying or re-mortgaging?
  • Re-mortgages are on the increase according to data from UK Finance. Data from Fleet Mortgages supports this view. Nearly two thirds of mortgage applications received for residential investment properties located in the North are for the purpose of refinancing 63%. However, this is below the average of financing activity elsewhere in the UK 75%.

  • How are Landlords buying investment properties in the North?
  • In the North, 58% of purchase transactions came from limited company special purpose vehicles (SPV) properties.

  • What rental yields can a Landlord expect when buying a property in the North?
  • According to data from Fleet, the Northern regions saw the highest level of rental yield across all regions in England & Wales – reaching an average of 6.6% in 2019. By comparison some of the lowest rental yields can be found in Greater London and East Anglia with an average of 4.5% and 4.8% respectively.
Index of Private Housing Rental Prices

Rental Inflation Last 12 Months

Despite what was said on the previous page, rental inflation has slowed rapidly in the North East over the past 12 months.

According to data from the Office of National Statistics (ONS), the North, in particular the North East shows the slowest levels of rental inflation in England 0.3%, whilst rental inflation in the North West reached 1.2%, similar to the rest of England.

For comparison, the region with the highest level of rental growth is in the East Midlands where rental inflation has reached over 2.25% to March 2019. This means that supply for rental properties outstrips demand in the North relative to England as a whole.

Rental Yields & Hotspots in The North
Fleet Mortgages are actively financing buy-to-let properties in the North

Source: Fleet Mortgages

RegionAve. Rental Yield (2018) Ave. Rental Yield (Year to date - 2019)

North

6.9%

6.8%

North West 7.1% 7.4%
Yorkshire and Humberside 6.1% 7.0%

England & Wales

5.3%

5.7%

The majority of properties financed by Fleet in the South East are concentrated in the larger towns situated close to the M25 such as Reading and also near the coastal towns such as Brighton. However, we do offer mortgages across the region and even as far as Margate in the East.

The South East as a whole sees below average rental yields at just 5.3%. To give a comparison, the highest level of inflation was in the North West which saw rental yields of 7.4% in 2019 so far. According to Fleet data, there are several rental hotspots in the South East, this includes Reading, Portsmouth and Oxford; all of which have a largely university student demographic.

How Can Fleet Help?
North East

Chris Barwick

BDM
North East
07464 544446
chris.barwick@fleetmortgages.co.uk

Chris has worked in Financial Services for over 10 years, he has extensive experience of Mortgage lending having been an adviser and held an underwriting mandate.

With his background in mortgages and his desire to help intermediaries provide an excellent service to their customers, Chris enjoys nothing more than meeting with brokers and providing solutions to their customers’ BTL needs.

James Belcher

Telephone BDM
North East
01252 931357
james.belcher@fleetmortgages.co.uk

With 4 years in Estate Agency prior to joining Fleet Mortgages, James brings an existing passion for the Buy to Let market into his role as Internal BDM.

James takes pride in working with intermediaries, discussing how to deliver the best outcomes for their clients, and bringing what Fleet Mortgages has to offer to life.

North West

Chris Barwick

BDM
North East
07464 544446
chris.barwick@fleetmortgages.co.uk

Chris has worked in Financial Services for over 10 years, he has extensive experience of Mortgage lending having been an adviser and held an underwriting mandate.

With his background in mortgages and his desire to help intermediaries provide an excellent service to their customers, Chris enjoys nothing more than meeting with brokers and providing solutions to their customers’ BTL needs.

Lucy Freeman

Telephone BDM
North West
01252 931375
lucy.freeman@fleetmortgages.co.uk

Coming from a mortgage adviser background and learning the ropes at Cheltenham & Gloucester, Lucy enjoys working closely with brokers as the Midlands Telephone BDM, Got a new case?

Got a question? Please give Lucy a call.

Midlands

Regional Analysis

  • Private rental prices paid by tenants rose faster in the East Midlands than any other part of England & Wales during the 12 months to March 2019.
  • Average rental yields increased to 6.9% during the first 5 months of 2019.
  • Purchase activity is proportionally higher in the Midlands than elsewhere in the country.

Key Takeaways

  • What type of properties are Landlords in the Midlands buying?
  • Houses, and in particular terrace houses, are very popular amongst Landlords in the Midlands (83% of mortgage applications in 2019).

  • Are Landlords buying or re-mortgaging?
  • Re-mortgages are on the increase according to data from UK Finance. However, Landlords from the Midlands are more likely to purchase in 2019 than any other region in the UK according to data from Fleet.

  • How are Landlords buying investment properties in the Midlands?
  • 46% of purchase transactions comes from Special Purpose Vehicle (SPV) Limited Companies, a popular way of buying investment properties at present.

  • What rental yields can a Landlord expect when buying a property in the Midlands?
  • Data from Fleet Mortgages puts the average rental yield for properties in the East Midlands at 6.9% in 2019, up from 5.9% in 2018 and well above the England & Wales average of 5.8%.

  • Are rental prices increasing or decreasing in the UK and Midlands in particular?
  • Private rental prices paid by tenants in the UK rose by 1.2% in the 12 months to March 2019, up from 1.1% in February 2019. Rental prices have increased more in England than the rest of the UK since 2015 with the strongest rental growth 2.35% recorded in in the East Midlands. West Midlands also recorded growth ahead of the rest of the Country at 1.6%. (Source: ONS).

Index of Private Housing Rental Prices

Growth in private rental prices paid by tenants in the UK has generally slowed since the beginning of 2016, driven mainly by a slowdown in London over the same period. However since July 2018 we have seen a steady increase in rental inflation.

All UK countries have experienced rises in their private rental prices since 2015. However, since January 2015, rental prices in England have increased more than those in Wales, Scotland and Northern Ireland.

Index of Private Housing Rental Prices

East & West Midlands records some of the strongest growth in rental prices in England. Rental inflation in the East Midlands is higher than in any other part of the country.

Rental Yields & Hotspots in The Midlands
RegionAve. Rental Yield (2018) Ave. Rental Yield (Year to date - 2019)

East Midlands

5.9%

6.9%

West Midlands 6.2% 6.0%

England & Wales

5.4%

5.8%

The majority of properties financed by Fleet in the Midlands are in and around Birmingham.

The average rental yield for properties financed in the East Midlands is 6.9%, up from 5.9% in 2018.

The average rental yield for properties financed in the West Midlands is 6.0%, down from 6.2% in 2018.

How Can Fleet Help?

Katy Williams

BDM
Midlands
07464 927175
katy.williams@fleetmortgages.co.uk

Katy has first-hand experience of arranging and handling all types of buy to let transactions, having been working in mortgages for over 7 years, both in the intermediary market and for high street lenders and most recently a Specialist lender/packager.

This valuable experience will enable her to understand the challenges brokers face when trying to place cases and ensure they are managed through to completion. Katy will be a great asset to firms in the Midlands, who will benefit from her experience and understanding of their role.

Lucy Freeman

Telephone BDM
Midlands
01252 931375
lucy.freeman@fleetmortgages.co.uk

Coming from a mortgage adviser background and learning the ropes at Cheltenham & Gloucester, Lucy enjoys working closely with brokers as the Midlands Telephone BDM, Got a new case?

Got a question? Please give Lucy a call.

East Anglia

Regional Analysis

  • According to data from Fleet, rental yields in East Anglia average 4.8%.
  • Average rental prices are higher than that of the average in England, suggesting demand is higher than supply.
  • Excluding Greater London, mortgage applications from East Anglia account for 21% of all mortgage applications received in 2019.

Key Takeaways

  • What type of properties are Landlords in East Anglia buying?
  • Unlike many other regions, East Anglia has seen a relatively even spread between terrace 36%, flats 30%, and houses 28% as popular types of investment properties.

  • Are Landlords buying or re-mortgaging?
  • Re-mortgaging is on the increase according to data from UK Finance, accounting for 68% of all mortgages in England & Wales. Landlords from East Anglia follow this trend and are more likely to re-mortgage 66% than purchase 34%.

  • How are Landlords buying investment properties in East Anglia?
  • 42% of all purchase transactions came from limited company special purpose vehicles (SPV), a popular way of buying investment properties at present time.

  • What rental yields can a Landlord expect when buying a property in East Anglia?
  • Data from Fleet Mortgages puts the average rental yield for properties in East Anglia at 5.5% so far in 2019, up from 5.0% in 2018. This puts East Anglia below the average for rental yields in England & Wales. This being said, East Anglia has seen very stagnant rental yield inflation fluctuating just 0.1% between the years of 2016-2018.
Index of Private Housing Rental Prices

Rental Inflation Last 12 Months

According to data from the Office of National Statistics (ONS), East Anglia – which in this case is called ‘East of England’ experienced above average increase in private housing rental prices over the past 12 months.

Having a housing rental price inflation greater than the average of England suggests that the demand for rental properties in the East of England outstrips supply, relative to England as a whole.

As a comparison, the lowest levels of inflation was seen in the North East at just 0.3%, while the East Midlands saw an increase of 2.3% in the 12 months to March 2019.

Rental Yields & Hotspots in East Anglia
Fleet Mortgages are actively financing buy-to-let properties in East Anglia

Source: Fleet Mortgages

RegionAve. Rental Yield (2018) Ave. Rental Yield (Year to date - 2019)

East Anglia

5.0%

5.5%

England & Wales

5.5%

5.8%

The majority of properties financed by Fleet in East Anglia are concentrated in the larger towns such as Norwich, Peterborough and the outskirts of London.

Despite low rental inflation, East Anglia is still one of the lowest regions 5.5% in 2019. By comparison, the North West saw rental yields of 7.4%, the highest regional yields in England & Wales

How Can Fleet Help?

Jacqui Simmons

Senior BDM
South East
07977 439721
jacqui.simmons@fleetmortgages.co.uk

Jacqui has an excellent track record of working with brokers and packagers to help them identify business opportunities and further develop their businesses.

Jacqui’s previous roles have included sales and business development positions in the intermediary market, including specialist buy to let lenders; Mortgage Express, Castle Trust and Magellan Homeloans. Jacqui will no doubt be a huge asset to firms in the South East who will benefit from her dedication to providing service excellence

Charlie Gregory

Telephone BDM
South East
01252 916756
charlie.gregory@fleetmortgages.co.uk

Coming from an estate agency background, Charlie has been able to develop strong working relationships throughout the sales process.

By speaking to brokers and intermediaries about our criteria, and guiding them through the process end-to-end, Charlie is continuously improving his B2B skills.

South West / South Wales

Regional Analysis

  • Rental inflation in the South West and South Wales is above the average for England.
  • As a residential investment property, houses are more popular than flats in this region.
  • Excluding London, the South West and South Wales account for 18% of mortgage applications received by Fleet.

Key Takeaways

  • What type of properties are Landlords in the South West buying?
  • In the last 12 months, Houses 31%, and in particular terrace houses 48%, have been very popular amongst Landlords in the South West and South Wales region. In total these two property types accounted for 79% of the mortgage applications received from brokers in this region

  • Are Landlords buying or re-mortgaging?
  • Re-mortgages are on the increase according to data from UK Finance. Data from Fleet Mortgages supports this view. Nearly three quarters of full mortgage applications received for residential investment properties located in the South West and South Wales are for the purpose of refinancing 72%. This is on a par with refinancing activity elsewhere in the UK.

  • How are Landlords buying investment properties in the South West?
  • 71% of purchase transactions comes from Individual Landlords. Landlords in this region are less likely to buy investment properties using a Limited Company Special Purpose Vehicle.

  • What rental yields can a Landlord expect when buying a property in the South West?
  • In the 12 months to the end of June, the South West saw average rental yields of 5.54%, marginally up from the 12 months before which saw an average rental yield of 5.41%
  • Wales, on the other hand, saw a stagnation in growth of rental yields, averaging 6.41% rental yields in both 12 months periods between July 2017 and July 2019. To give some comparison to the rest of England & Wales, the combined regions saw an average of 5.64% between July 2018 and 2019. This shows that even without growth, rental yields in Wales are still higher than those of the other regions.
Index of Private Housing Rental Prices

Rental Inflation Last 12 Months

According to data from the Office of National Statistics (ONS), the South Western areas show promising levels of growth in rental prices. Looking at the graph below, we can see that the South West comes in as the 3rd highest region in terms of growth, reaching rental inflation levels of about 1.7%. In comparison, the highest growth in rental prices was seen by the East Midlands where rental inflation edged up to 2.25% over the last 12 months.

This means that demand for rental properties outstrips supply in the South West relative to England as whole.

Rental Prices Since 2015

According to data from the Office of National Statistics (ONS), rental prices increased by 7% since 2015 across all regions in England. The chart below has more detail. Wales, on the other hand, saw slower rates of growth reaching only around 3% since 2015. To put things into perspective, the highest increase in private housing rental prices since 2015 was seen in East Midlands, reaching 10.5% growth in the past 4 years.

On the other side of the spectrum the North East has only seen an increase of 2.2% since 2015.

Rental Yields & Hotspots in the South West

Fleet Mortgages are actively financing buy-to-let properties in the South West

Source: Fleet Mortgages

RegionAve. Rental Yield (2018) Ave. Rental Yield (Year to date - 2019)

Wales

7.0%

6.8%

South West

6.1%

5.4%

England & Wales

5.5%

5.8%

Even though the majority of properties financed by Fleet in the South West are concentrated in the larger cities such as Bristol and Cardiff we do offer mortgages across the region and even as far South as Plymouth.

According to data from Fleet Mortgages the average rental yield of properties financed in the South West is 5.4%, marginally down from 6.1% in 2018.

The average rental yield for properties financed in Wales is 6.8%, down from 7.0% in 2018. However, that being said, both the South West Regions and Wales both have higher rental yields than the average of all regions within England and Wales.

How Can Fleet Help?

Josh Parker

BDM
South West
07471 992978
josh.parker@fleetmortgages.co.uk

Josh joined Fleet Mortgages in December 2018 after spending almost 6 successful years with a specialist lender in the later life lending market. He successfully completed his CeMAP & CeRER qualifications and hopes to also complete his final DipFA exam in the next few weeks.

Josh has a wealth of knowledge and experience and is responsible for developing new and existing relationships in South Wales and the South West. Josh believes in building and maintaining a strong personable service and will continue Graham Le Bas’s promise “I will respond to contact on the same day – guaranteed”

Anna Gibbons

Telephone BDM
South West
01252 916786
anna.gibbons@fleetmortgages.co.uk

Anna has a strong background in B2C Sales in the Financial Services industry. Having already worked in Sales Support for Fleet, she has a strong understanding of our systems, products and criteria and will assist you with all aspects of your application.

Anna also has experience of working in other key areas of the business, offering excellent all-round knowledge of Fleet’s proposition.

South

Regional Analysis

  • According to Fleet data, the average rental yield across the South 5.1%.
  • Urban areas with the highest rental yields include – Southampton and Portsmouth.
  • The South saw some of the highest levels of private housing rental price increases over the course of 2019.

Key Takeaways

  • What type of properties are Landlords in the South buying?
  • In the South, there is a relatively even split of property types. Terrace Houses 35% are the most popular amongst landlords, followed by houses 33% and finally flats accounts for 27% of investment properties in the South.
  • Are Landlords buying or re-mortgaging?
  • Re-mortgaging is currently on an upward trend in England & Wales. According to Fleet data, the Southern region is no different with 75% of mortgage applications being for the purpose of refinancing.
  • How are Landlords buying investment properties in the South?
  • In the South, 43% of purchase transactions came from limited company special purpose vehicles (SPV) properties.
  • What rental yields can a Landlord expect when buying a property in the South?
  • The South saw average rental yields of 5.1% in 2019. This remains largely unchanged since 2018.
  • Rental yields in the South are below the average rental yield inflation in England & Wales.
  • The areas in the South which saw the highest levels in rental yield inflation is Portsmouth.
Index of Private Housing Rental Prices

Source: Office for National Statistics - Index of Private Housing Rental Prices

Rental Inflation Last 12 Months

According to data from the Office of National Statistics (ONS), the average inflation of rental prices is 1.8% in the South.

England saw an average inflation of 1.4%. This suggests that demand for properties in the South is greater than the supply for private housing hence higher levels of inflation.

To compare, the region with the lowest levels of price inflation was the North East, which only saw an average increase of 0.5%.

Rental Yields & Hotspots in the South

Fleet Mortgages are actively financing buy-to-let properties in the South

Source: Fleet Mortgages

RegionAve. Rental Yield (2018) Ave. Rental Yield (Year to date - 2019)

South

5.0%

5.1%

England & Wales

5.4%

6.0%

The majority of properties financed by Fleet in the South are concentrated in the larger towns situated near coastal towns such as Brighton.

The South as a whole sees below average rental yields at just 5.1%. To give a comparison, the highest level of inflation was in the North which saw rental yields of 8.0% in 2019.

According to Fleet data, there are several rental hotspots in the South, this includes Reading, Portsmouth and Oxford; all of which have a largely university student demographic. It is also noticeable that there are hotspots just outside of the M25, west of London.

How does the rest of UK fair?

According to the most recent release ‘Index of Private Housing Rental Prices, UK’ (November 2019) as provided by ONS.

How does the rest of UK fair?

All UK countries have experienced rises in their private rental prices since 2015. However, since 2015, rental prices in England have increased more than those in Wales, Scotland and Northern Ireland. That is until recently, during the back end of 2019, rental prices in Northern Ireland had overtaken England with the highest level of growth in rental prices.

According to Lucia Cook, a leading market commentator and head of research at Savills. It is forecasted that rent will continue increasing with an average increase of 15.4% UK wide by the end of 2024. Rent in London, however, is expected to perform better reaching levels as high as 18.8%.

Despite this, London is forecasted to have a relatively slow year in 2020 by comparison and will only see rental increases by around 2%.

How does the rest of UK fair?

Comparisons of rental yields from Q4 2018 and Q4 2019 shows that England & Wales saw a general increase in rental yields with exception of the North West which saw a fall of just 0.1% and the South West which remained the same as last year.

This shows promise for landlords and in particular portfolio landlords, with the average increase over England & Wales as a whole to be 0.7% greater than in 2018, landlords should therefore see a greater return on investments.

Table 1: Q4 2018 rental yields vs Q4 2019 rental yields (Fleet Mortgages Data)

How Can Fleet Help?

Giovanna Streatfield

Giovanna has over 20 years’ experience in Financial services working in both Insurance and Mortgage services. Having gained extensive experience as a Mortgage Broker, Giovanna understands the help and support needed when dealing with clients. For the last 2 years, she has used her wealth of knowledge to help support brokers when working as a Business Development Manager for a High Street Bank.

She now joins Fleet to focus solely on meeting with brokers and providing solutions to their customers BTL needs.

Maizie Whitney

Telephone BDM
South
01252 931365
maizie.whitney@fleetmortgages.co.uk

Coming from a property background, Maizie has previously worked for an Estate Agent and as an Asset Manager and has continued to strengthen her knowledge of the Buy To Let industry whilst working at Fleet.

Maizie is always proactive in ensuring brokers and intermediaries are up to date with Fleet’s proposition and is here to help guide them through the process from start to finish.

South East

Regional Analysis

  • According to Fleet data, the average rental yield across the South East is 4.9%.
  • Urban areas with the highest rental yields include – Milton Keynes, Luton and Portsmouth.
  • The South East accounted for 13% of all mortgage applications Fleet received during the first half of 2019

Key Takeaways

  • What type of properties are Landlords in the South East buying?
  • In the South East, there is a relatively even split of popular property types. Terrace Houses 43% are the most popular amongst landlords, followed by houses 28% and finally flats accounts for 25% of investment properties in the South East.

  • Are Landlords buying or re-mortgaging?
  • Re-mortgaging is currently on an upward trend in England & Wales. According to Fleet data, the South Eastern region is no different with 64% of mortgage applications for the purpose of refinancing.

  • How are Landlords buying investment properties in the South East?
  • In the South East, 36% of purchase transactions came from limited company special purpose vehicles (SPV) properties.

  • What rental yields can a Landlord expect when buying a property in the South East?
  • The South East saw average rental yields of 5.3% in 2019. This is marginally up from last year 5.0%.
  • Rental yields in the South East are below the average rental yield inflation in England & Wales
  • The areas in the South East which saw the highest levels in rental yield inflation are Portsmouth, Luton and Milton Keynes
Index of Private Housing Rental Prices

Rental Inflation Last 12 Months

According to data from the Office of National Statistics (ONS), the average inflation of rental prices is 1.5% in the South East.

England & Wales saw an average inflation of 1.2%. This suggests that demand for properties in the South East is greater than the supply for private housing hence higher levels of inflation.

To compare, the region with the lowest levels of price inflation was the North East, which only saw an average increase of 0.3%

Rental Yields & Hotspots in The South East
Fleet Mortgages are actively financing buy-to-let properties in the North

Source: Fleet Mortgages

RegionAve. Rental Yield (2018) Ave. Rental Yield (Year to date - 2019)

South East

5.0%

5.3%

England & Wales

5.5%

5.8%

The majority of properties financed by Fleet in the South East are concentrated in the larger towns situated close to the M25 such as Reading and also near the coastal towns such as Brighton. However, we do offer mortgages across the region and even as far as Margate in the East.

The South East as a whole sees below average rental yields at just 5.3%. To give a comparison, the highest level of inflation was in the North West which saw rental yields of 7.4% in 2019 so far. According to Fleet data, there are several rental hotspots in the South East, this includes Reading, Portsmouth and Oxford; all of which have a largely university student demographic.

How Can Fleet Help?

Jacqui Simmons

Senior BDM
South East
07977 439721
jacqui.simmons@fleetmortgages.co.uk

Jacqui has an excellent track record of working with brokers and packagers to help them identify business opportunities and further develop their businesses.

Jacqui’s previous roles have included sales and business development positions in the intermediary market, including specialist buy to let lenders; Mortgage Express, Castle Trust and Magellan Homeloans. Jacqui will no doubt be a huge asset to firms in the South East who will benefit from her dedication to providing service excellence

Charlie Gregory

Telephone BDM
South East
01252 916756
charlie.gregory@fleetmortgages.co.uk

Coming from an estate agency background, Charlie has been able to develop strong working relationships throughout the sales process.

By speaking to brokers and intermediaries about our criteria, and guiding them through the process end-to-end, Charlie is continuously improving his B2B skills.

Greater London

Regional Analysis

  • According to data from Fleet, rental yields in Greater London reached 4.9% in 2019, up just 0.1% since 2018.
  • According to Fleet data, Greater London accounts for 52% of all mortgage applications Fleet received during the first half of 2019.
  • Of that 52%, a significant proportion is from North London.

Key Takeaways

  • What type of properties are Landlords in Greater London buying?
  • In Greater London, there is a relatively even split of property types being sold in the area. Flats 47% are the most popular property type amongst landlords, followed by terrace houses 32% and finally, houses account for 19% of properties owned by landlords in Greater London.
  • Are Landlords buying or re-mortgaging?
  • Re-mortgaging properties are currently on an upward trend in England & Wales. According to Fleet data, Greater London is no different with 75% of properties being re-mortgaged and only 25% being purchased.
  • How are Landlords buying investment properties in Greater London?
  • 40% of purchase transactions come from Special Purpose Vehicles (SPV) Limited Companies, a popular way of buying investment properties at present.
  • What rental yields can a Landlord expect when buying a property in greater London?
  • According to Fleet data, Greater London has seen an average rental of 4.9% in 2019 so far
  • Greater London has seen stagnant rental yields since
  • 2014, ranging between 4.8% and 5.1%.
Index of Private Housing Rental Prices

Rental Inflation Last 12 Months

According to data from the Office of National Statistics (ONS), London has the second lowest rental price inflation in England.

Normally, when a region has lower rental inflation than the collective average of all other regions, it suggests that supply outstrips demand in London relative to England as a whole.

Rental Yields & Hotspots in Greater London
Fleet Mortgages are actively financing buy-to-let properties in Greater London

Source: Fleet Mortgages

RegionAve. Rental Yield (2018) Ave. Rental Yield (Year to date - 2019)

Greater London

4.8%

4.9%

England & Wales

5.3%

5.7%

According to Fleet’s data the large majority of mortgages sold in Greater London are concentrated in the north accounting for around 70% of mortgage applications in the region.

However, average rental yields do not fluctuate much between the North and South of London, with the North at 4.6% and the South at 4.5%.

How Can Fleet Help?
North London

Stuart Kay

Senior BDM
North London
07929 264379
stuart.kay@fleetmortgages.co.uk

With 25 years experience dealing with brokers and their clients, Stuart aims to provide ideas to create business and solutions to convert business.

Find out how he can help your business by calling him on 07929 264379.

James Belcher

Telephone BDM
North London
01252 931357
james.belcher@fleetmortgages.co.uk

With 4 years in Estate Agency prior to joining Fleet Mortgages, James brings an existing passion for the Buy to Let market into his role as Internal BDM.

James takes pride in working with intermediaries, discussing how to deliver the best outcomes for their clients, and bringing what Fleet Mortgages has to offer to life.

Central London

Andrea Gizzy

BDM
Central London
07377 246387
andrea.gizzy@fleetmortgages.co.uk

Andrea has numerous years of experience within the Mortgages Industry, and is CeMAP qualified.

Andrea’s criteria and product knowledge is second to none, and she prides herself on providing outstanding customer service.

Michael Maynard

Telephone BDM
Central London
01252 931355
michael.maynard@fleetmortgages.co.uk

Coming from a background of Estate Agency and New Homes, Michael has continued to learn about the property sector within Fleet Mortgages.

Having been with Fleet for nearly two years and earning his CeMAP qualification in that time, Michael is accomplished at dealing with tricky enquires from intermediaries and guiding them on our criteria to assist in getting BTL cases through to completion.

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