Ambergate Independent Financial Services

There is no such thing as risk free investment but understanding levels of risk has to be central to any investment decision. This applies to property as much as it does to stocks and shares. Understanding ‘true value’ means looking at the wider picture and eliminating sentiment from the decision making process. Whether this is identifying price anomalies or understanding the importance of timing or location, property investment is a skill.

The days of property valuations doubling in just a couple of years are now behind us. This does not mean profits cannot be made from property, either as an owner-occupier or as a buy-to-let investor, it just means there is a far greater emphasis on being selective.

It is in this environment that expert advice adds real value. Ambergate offers clients bespoke advice, greatly reducing the risk factor and spelling out in simple terms the benefits of property investment. Most significantly, Ambergate clients have exclusive deals being offered by both developers and mortgage lenders.

As a one-stop shop Ambergate steers the property investment process from start to finish, not only taking the headaches out of administration, but also offering the best terms.

Setting realistic targets - and sticking to them!

In terms of time constraints, it is vital that all those involved know the need for efficiency and to keep the process moving. This means the developer, the lender, the client and all legal representatives are kept in the loop so that they can make the necessary contributions exactly when required.

This goes back to the concept of the ‘one stop shop’.

All costs, including legal fees and stamp duty are factored into the equation before the client is committed. Also an assessment of rental potential is provided for interested buy-to-let investors. Assessments are given before any money is jeopardised and if the prognosis is good, then the option is there to proceed. Stating bottom line costs from the very beginning means clients can budget accurately.

Time is money

Ambergate prides itself on never having lost a deal because of a missed deadline. The initial client enquiry from the developer to exchange/completion is always conducted within the 28-day target. Full application and agreement in principle is carried out online on the client’s behalf so a decision is swift and cost effective. A full application is achievable in 7 days with a formal offer within 18 days of the initial developer enquiry. The 28-day target is stringent as it provides the assurance the developer wants.

Unique developments

The property developments Ambergate selects for investment are chosen on the basis of prime location and unique selling points. A full assessment based on such criteria as economic activity in the area, local property price inflation and projected rental yields, ensure the investment has true potential. Ambergate will not invest in what it deems unless a development in such a region has a truly unique characteristic. 

Independent advice

Ambergate offers a truly bespoke service, which has national coverage. As well established and regarded intermediary, Ambergate receives preferential treatment from lenders. This means clients have access to better rates, faster service and most appropriate type of finance.

Ambergate’s Commitment

• Quality of service - an IFA with national coverage that provides one-to-one advice
• Truly independent advice - covering all aspects of property investment from advice on the correct location, to ensuring clients sign up to the mortgage that best suits their needs.
• Providing expert guidance through valuation and legal process
• Approved status - regulated directly by the FSA
• One-stop shop. Ambergate is central to the whole process from sourcing the property to packaging the mortgage and subsequent sale to the client
• Efficiency - no exhausting procedure, strict 28-day target from initial enquiry to completion
• Best Deals - focus is always on sourcing properties with up to 15-20% true discount.
• Preferential treatment from mortgage lenders
• Transparency - no hidden costs.The Ambergate philosophy is that everything is spelled out clearly at the start, problems are less likely to materialise fail to materialise further down the line. The total expenditure for the client is explained in writing at the outset.

The Ambergate philosophy is that everything is spelled out clearly at the start, problems are less likely to materialise fail to materialise further down the line. The total expenditure for the client is explained in writing at the outset.

Please remember that investments can fall in value as well as rise, and you may not get back all that you invest