Financial Services – Lanewood

Financial Services

Lomond has invested in a range of services whether you are a private or an institutional investor to ensure competitive leveraged products can be made available to our investors.

The UK market currently offers a very competitive range of leveraged products, either through individual mortgages or through portfolio facilities offering high loan to value and based on interest rates which represent a historic 20 year low.

UK residential assets performed extremely well against other UK asset classes but also has the benefit that these assets can easily be leveraged to enhance the scale of private or institutional investors and maximise their income and capital investment.

Lomond also has the capability to assist Landlords with various forms of insurance and also tax planning to ensure any areas such as inheritance tax planning.

Debt Services

Leveraging UK Residential Assets

Lomond can facilitate competitive loans, both in relation to loan to value and interest rates in order to allow investors to benefit from leveraging their portfolio. Lomond Mortgages is a member of Mortgage Advice Bureau, one of the largest most successful mortgage brokers in the UK.

Debt facilities on portfolios

Lomond Financial Services can facilitate discussions with mainstream lenders in relation to multi property facilities in respect of private portfolio landlords or indeed institutional investors.

Tax Planning

Lomond Tax Planning

Lomond Financial services can facilitate provision of tax planning advice on investment portfolios and the provision of protection insurance to cover any Inheritance tax liabilities.

Statement for certified High Net Worth Individual

Lomond Investment Management Limited are asking you as a potential Investor to sign the declaration of certified high net worth set out below. Whilst this may not be strictly necessary because the rules on promotions do not apply to the trust based syndicates details of which you have requested it is prudent that we procure these Certificates for two reasons.

First we must protect Lomond Investment Management Limited (because the sanctions for people who improperly issue financial promotions are very serious).

Second we must protect you. This Certificate confirms that you are a sophisticated investor and therefore you recognise that you do not have the usual protection afforded to those who invest in schemes approved and regulated by the Financial Conduct Authority.

If you are unsure about giving this Certificate please speak to your financial advisor.

Declaration

I declare that I am a certified high net worth individual as described in the Financial Services and Markets Act 2000 (Financial Promotions) Order 2005.

I understand that this means:

(a) I can receive financial promotions that may not have been approved by a person authorised by the Financial Conduct Authority;
(b) the content of such financial promotions may not conform to rules issued by the Financial Conduct Authority;
(c) by signing this statement I may lose significant rights;
(d) I may have no right to complain to either of the following-
(i) the Financial Conduct Authority; or
(ii) the Financial Ombudsman Scheme;
(e) I may have no right to seek compensation from the Financial Conduct
Compensation Scheme.

I am a certified high net worth individual because at least one of the following applies-

(a) I had, during the financial year immediately preceding the date below, an annual income to the value of £100,000 or more;
(b) I held, throughout the financial year immediately preceding the date below, net assets to the value of £250,000 or more. Net assets for these purposes do not include-
(i) the property which is my primary residence or any loan secured on that residence;
(ii) any rights of mine under a qualifying contract of insurance within the meaning of the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001; or
(iii) any benefits (in the form of pensions or otherwise) which are payable on the termination of my service or on my death or retirement and to which I am (or my dependants are), or may be, entitled.

I accept that I can lose my property and other assets from making investment decisions based on financial promotions.

I am aware that it is open to me to seek advice from someone who specialises in advising on investments.