Leeds Building Society Hmo Mortgage
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2010 Prospectus
Leeds Building Society (incorporated in England and Wales under the Building Societies Act 1986, as amended) €7 billion Global Covered Bond Programme unconditionally and irrevocably guaranteed as to payments of interest and principal by Leeds Building Society Covered Bonds Limited Liability Partnership (a limited liability partnership incorporated in England and Wales) Under this €7 billion covered bond programme (the Programme), Leeds Building Society (the Issuer) may from time to time issue bonds (the Covered Bonds) denominated in any currency agreed between the Issuer and the relevant Dealer(s) (as defined below). The price and amount of the Covered Bonds to be issued under the Programme will be determined by the Issuer and the relevant Dealer at the time of issue in accordance with prevailing market conditions. Leeds Building Society Covered Bonds LLP (the LLP) has guaranteed payments of interest and principal under the Covered Bonds pursuant to a guarantee which is secured over the Portfolio (as defined below) and its other assets. Recourse against the LLP under its guarantee is limited to the Portfolio and such assets. Covered Bonds may be issued in bearer or registered form. The maximum aggregate nominal amount of all Covered Bonds from time to time outstanding under the Programme will not exceed €7 billion (or its equivalent in other currencies calculated as described in the Programme Agreement described herein), subject to increase as described herein. The Covered Bonds may be issued on a continuing basis to one or more of the Dealers specified under "Overview of the Programme" and any additional Dealer appointed under the Programme from time to time by the Issuer (each, a Dealer and together, the Dealers), which appointment may be in relation to a specific issue or on an ongoing basis. -
Dealing with Gentrification
Comparative Gentrification Policy Displacement, Housing Instability, and Homelessness University of Pennsylvania, School of Design, Department of City Planning CPLN-702 Planning Studio This working paper was completed by Marcus Artusio, Zoe Axelrod, Brett Davis, Danielle Dong, Claudia Elzey, Joanna Joye, Alana S. Kim, Justine Kone, Gabriella A. Nelson, Katherine Randall, and Alexandra San Roman as part of the University of Pennsylvania's City & Regional Planning Fall Studio, 2017. TABLE OF CONTENTS ABSTRACT 2 INTRODUCTION 3 LITERATURE REVIEW 5 METHODOLOGY 14 CITY-BY-CITY FINDINGS 16 Denver 17 Los Angeles 22 New York City 26 San Francisco 30 Seattle 34 Summary of Patterns 39 STRATEGIES FOR LOCAL AND NATIONAL POLICY 46 Policy Development 46 Local Policy Toolkit 47 Local Goals 48 NEED FOR A NATIONAL URBAN POLICY 53 NATIONAL POLICY AGENDA 55 Right to Housing 55 Gentrification Index 55 Expansion of the Social Safety Net 56 CONCLUSION 57 APPENDICES 59 A. Recent Policies in Case Study Cities 59 B. Detailed Information of Proposed Policies 60 ENDNOTES 91 ABSTRACT Gentrification—a form of neighborhood change in which an influx of capital into urban neighborhoods prompts a shift in socioeconomic demographics and an improvement of public space—too often benefits newcomers to the detriment of long-term residents and communities. This phenomenon is the latest in a series of forced displacements of the United States’ most vulnerable populations, who can face housing instability and homelessness as a result. This paper investigates the conditions of five case study American cities — Denver, Los Angeles, New York, San Francisco, and Seattle — to illustrate the commonalities of this country’s most at-risk neighborhoods, as well as to distinguish the diverse local variables that influence the causes and consequences of gentrification. -
Annual Repor T & Accounts
C M Y K www.leedsbuildingsociety.co.uk LEEDS YELLOW 105 Albion Street, Leeds LS1 5AS Tel: 0113 225 7777 Annual Repor t PMS ??? PMS ??? JOB LOCATION: PRINERGY 3 DISCLAIMER Approver The accuracy and the & Accounts content of this file is the responsibility of the Approver. Please authorise approval only if you wish to proceed to print. Communisis PMS cannot accept liability for errors once the file has been printed. Printer This colour bar is produced manually all end user s must check final separations to verify 2012 colours before LDS00013 (03/13) LDS00043-R+A-COVER.indd 1 22/02/2013 13:24 Financial Highlights Where to find us For the year ended 31 December 2012 Aberdeen Harrogate Street Lane Norwich 68 Carden Place, Aberdeen AB10 1UL 12 Oxford Street, Harrogate HG1 1PU 69 Street Lane, Roundhay, Leeds LS8 1AP 6/7 Guildhall Hill, Norwich NR2 1JG Tel: 01224 642641 Tel: 01423 546510 Tel: 0113 225 8720 Tel: 01603 626978 Banbury Huddersfield Wetherby Nottingham 19 High Street, Banbury OX16 5EE 8 Cherry Tree Centre, Market Street, 2 Horsefair Centre, Wetherby LS22 6FL 23 Listergate, Nottingham NG1 7DE Tel: 01295 277912 Huddersfield HD1 2ET Tel: 01937 585768 Tel: 0115 947 2841 Barkingside Tel: 01484 530842 Yeadon Peterborough 84 High Street, Barkingside IG6 2DJ Hull 59 High Street, Yeadon LS19 7SP 2 Queen Street, Peterborough PE1 1PA £10.3 billion Tel: 020 8550 7678 78 Paragon Street, Hull HU1 3PW Tel: 0113 250 6313 Tel: 01733 896565 Barnsley Tel: 01482 224892 Reading total ASSETS 2 Peel Square, Barnsley S70 1YA Kendal 10 Cross Street, Reading -
Chapter 2 Tenant Screening Legal Tactics: Tenants' Rights in Massachusetts Eighth Edition, May 2017
Chapter 2 Tenant Screening Legal Tactics: Tenants' Rights in Massachusetts Eighth Edition, May 2017 Tenant Screening - Pullout ....................................................... 23 Tenant Screening Agencies & Reports ...................................... 25 1. What Is a Tenant Screening Report 2. What Is a Credit Report 3. How to Correct Errors or Old Information on a Credit or Tenant Screening Report 4. How to Repair Bad Credit 5. Improve Your Chances of Getting Housing Rental History ......................................................................... 29 Eviction History ...................................................................... 30 Criminal Records and Your Rights ........................................... 30 1. Who Can Get Access to Criminal Records 2. What You Can Do to Protect Your Rights Employment and Income ......................................................... 33 Discrimination ......................................................................... 33 Protections for Survivors of Domestic Violence ........................ 33 1. All Housing 2. State Housing Assistance 3. Federal Housing Assistance Background Checking Fees ...................................................... 34 Chapter 2: Tenant Screening ▲ 21 22 ▲ Chapter 2: Tenant Screening Pullout 2 Tenant Screening Tenants’ Rights in Massachusetts When you are looking for an apartment it is How Landlords Screen important to understand how landlords screen tenants. They screen tenants in different ways. Credit reports Landlords want to know if tenants -
Chapter 90 TITLE 10 PROPERTY RIGHTS and TRANSACTIONS
Chapter 90 TITLE 10 PROPERTY RIGHTS AND TRANSACTIONS Chapter 90. Residential Landlord and Tenant 91. Tenancy 92. Subdivisions and Partitions 93. Conveyancing and Recording 94. Real Property Development 95. Fraudulent Transfers and Conveyances 96. Line and Partition Fences 97. Rights and Duties Relating to Cemeteries, Human Bodies and Anatomical Gifts 98. Lost, Unordered and Unclaimed Property; Unlawfully Parked Vehicles 99. Property Removed by High Water 100. Condominiums 101. Continuing Care Retirement Communities 105. Property Rights __________ Chapter 90 1999 EDITION Residential Landlord and Tenant GENERAL PROVISIONS 90.100 Definitions 90.105 Short title 90.110 Exclusions from application of this chapter 90.115 Territorial application 90.120 Applicability of other statutory lien, tenancy and rent provisions; applicability of ORS 90.100 to 90.450 and 90.505 to 90.840 90.125 Administration of remedies; enforcement 90.130 Obligation of good faith 90.135 Unconscionability 90.140 Types of payments landlord may require or accept 90.145 Tenant or applicant who conducts repairs, routine maintenance or cleaning services not employee of landlord; restrictions 90.147 Delivery of possession 90.148 Landlord acts imply acceptance of tenant abandonment or relinquishment of right to occupy SERVICE OR DELIVERY OF NOTICES 90.150 Service or delivery of actual notice 90.155 Service or delivery of written notice 90.160 Calculation of notice periods CONTENT OF AGREEMENTS 90.240 Terms and conditions of rental agreement; rent obligation and payment 90.243 -
NWCLA President's May Letter
“Landlords Helping Landlords” NWNorthern WorcesterCL CountyA Landlord Association Volume 55 Landlords Helping Landlords May 2009 fear of unemployment, not being able to get the deal financed, NWCLA President’s May Letter or the end of the Summer buying market - but there was little to no competition for the deals we have landed recently. Dear NWCLA Membership, In contrast, on the very first day of Spring, we saw one listing At our April NWCLA members’ meeting we had we were interested in. It was a six family, plenty of parking, the advantage of having two topics for discussion asking a fair price and right in our buying market. Per the usual, for our members. We featured our very own we booked our showing the very day it hit the market and went NWCLA Board Members, Realtors and property up earlier than our scheduled time to take a look around and owners, Jamie Merrill and Jay Johnson. We also had the pleasure tag along if the broker showed up early. We found out there of having representative, Mary Ann Cantu, President of had already been a ton of activity and the broker had booked 9 National Tenant Network, Boston Chapter come out and discuss showings for that very same morning. This was just the first day with the group the finer details of tenant screening. on the market too! We haven’t seen any prices increase much, but there are indicators that there will be bidding wars this season. Jamie and Jay discussed market indicators that are happening in real estate today. -
2018 Annual Results March 2019 ► Leeds Building Society
Leeds Building Society 2018 Annual Results March 2019 ► Leeds Building Society 2018 Financial Highlights 2018 New Lending & the Mortgage Portfolio Funding, Liquidity and Capital Outlook for 2019 1 Executive Summary Leeds Building Society has continued to build on its strengths and delivered annual growth of 5% and a strong post tax profit performance of £89 million in 2018 Gross mortgage lending was £3.8 billion and was above the Society’s natural market share, net lending was £1.0 billion Issued £200 million of Tier 2 capital, increasing capital resources ahead of the expected future MREL requirement In June, the Prudential Regulation Authority (PRA) granted the Society an Internal Ratings Based (IRB) permission Improved financial stability through further reducing legacy portfolios, via the sale of the Irish mortgage portfolio Colleague engagement improved this year, and the Society’s leadership score was maintained. It continues to be in the top quartile for the financial services industry. The Society gained a two-star award in the Best Companies survey and is the 77th Best Mid Sized Company to work for 2 Our Future Strategy and 2019 Deliverables Vision To be Britain’s most successful building society Our purpose is to help people save and have the home they want. Mission We will continually adapt to anticipate our members’ changing needs and by doing the things we do well, we will help our members get on with life. Strategic Secure Customer Centred Simple Future Facing Pillars & Generate strong, sustainable Deliver an outstanding Drive efficiency by Invest in our capabilities and Corporate profit levels by meeting the member and broker experience removing complexity technology to meet the evolving needs of key segments needs of members Priorities 1. -
Learn How to Find, Fund & Flip Real Estate Notes for Huge
LELEARNARN HOW HOW TOTO FIND,FIND, FUND && FLIPFLIP REALREAL ESTATE ESTATE NO NOTESTES FORFOR HUGE PROFITS!PROFITS! Note Flipper 1 LEARN HOW TO FIND, FUND AND FLIP REAL ESTATE NOTES FOR HUGE PROFITS! Download The FREE Note Flipper Checklist Now! www.howtoflipnotes.com/checklist Contents FOREWORD 2 INTRODUCTION 3 THE LIFE CYCLE OF A REAL ESTATE INVESTOR 6 THE BASICS OF NOTES 9 BECOMING A DEAL ARCHITECT 13 MAKING MONEY FLIPPING NOTES 21 FOREWORD Eddie Speed is a legend. I’ve known Eddie and watched his real estate business for years, and every single time I’m with him.... I learn something new. There’s a lot that sets Eddie apart from the pack. Not only is he brilliant and, hands down, one of the most well-versed entrepreneurs and real estate investors out there, but he took the time to focus on a very unique, very niche corner of the business—something many of us (myself included) overlooked: note investing and note flipping. While I’d heard the term “note” tossed around, I never fully understood what it meant or why I should care until I started working with Eddie. To say he opened my eyes to a whole new world of real estate investing would be a massive understatement. As you’ll discover, Eddie’s method is tremendous—fool-proof, easy to unpack and even easier to apply to your life and your business. The best part is that Eddie provides concrete next steps and a variety of ways to work with him and his billion-dollar business, ensuring you can learn the ropes while you generate meaningful, lasting wealth. -
Leeds Building Society Annual Report and Accounts 2017
13mm Spine Leeds Building Society C M Y K PMS ??? PMS ??? PMS ??? Annual Report & Accounts Annual Report PMS ??? Non-printing Colours COLOUR COLOUR JOB LOCATION: PRINERGY 3 2017 Annual Report & Leeds Accounts Building Society 2017 A Perfect Partnership LDS091-M39313C_R+A-18-Cov.indd 1 05/03/2018 11:13 13mm Spine 2017: a year in review Get in touch We paid an average of Gross residential Record savings lending eceeded alances up to to1.33% our savers compared Find your nearest branch to the rest of market (2016: £4bn) £13.1bn(2016: £11.2bn) £4.1bn average of 0.70% www.leedsbuildingsociety.co.uk/branch We helped 71,429 people We helped save for their 50,279 people future. UK-based contact centre have the home they want. Call 03450 50 50 75 An annual benefit to all our savers 8am–8pm, 7 days a week of £75m. We may monitor and/or record your telephone conversations with the Society to ensure consistent service levels (including colleague training). rot efore ta Common Equity Total assets up 16% to up 4% to Tier 1 Capital is (2016: £15.9bn) £18.5bn £120.9m(2016: £116.6m) 14.5%(2016: 15.2%) Reserves available to protect us from future problems. Colleague Customer engagement score satisfaction up 2% to 91%(2016: 92%) We have an ongoing commitment to be 80%(2016: 78%) customer focused in everything we do. We’re committed to being a great place to work. LDS091-M39313C_R+A-18-Cov.indd 2 05/03/2018 11:13 CM YK Contents P M S ? ? P M S ? ? P M S ? ? P M S ? ? N o n p in in Strategic Report 2 C o l o u r s Chairman’s Welcome 2 COLOUR COLOUR Chief -
Gibraltar/Offshore Regularsaver (Issue 4)
Gibraltar/Offshore RegularSaver (Issue 4) Summary Box Account name Gibraltar/Offshore RegularSaver (Issue 4) What is the interest Annual Interest rate? 0.50% Gross*p.a./AER # (variable) excluding 1.80% conditional bonus • 2.30% Gross*p.a./AER # (variable) including 1.80% conditional bonus provided that during the bonus period (which runs annually from 1 September to 31 August): 1. you make one single payment to the account of between £50 and £250 each month; 2. your account balance does not exceed £6,000 (excluding accrued interest); and 3. you only make one withdrawal during the bonus period. • If the account balance falls below £50, the basic investment rate of interest which is currently 0.05% Gross* p.a./AER # (variable) shall apply. • Interest (and bonus payment where entitled) is calculated daily and paid to the account annually on 31 August. Can Leeds Building Yes – please see condition 8 of the General Investment Conditions Society change the (Gibraltar/Offshore) which sets out when and how we can change the interest rate. interest rate? What would the If you open an account on 1 September and you meet all of the bonus conditions estimated balance be then based on an interest rate of 2.30% you will receive an interest/bonus payment after 12 months based of £37.48 after 12 months, giving an overall account balance of £3,037.48. on a monthly deposit of If you do not meet the bonus conditions then based on an interest rate of 0.50% you £250? will receive an interest payment of £1.25 after 12 months, giving an overall account balance of £251.25. -
30 June 2020 2020 Our Performance So Far
Interim Financial Report 30 June 2020 2020 Our performance so far Gross residential lending of Total assets of £1.0bn(H1 2019: £1.9bn) £20.5bn(Dec 2019: £20.8bn) We helped 11,000 more people have the home they want We paid an Savings balances average of £14.2bn(Dec 2019: £14.5bn) 1.35%to our savers compared to the rest of the market We helped 10,000 more 1 people save for their future average of 0.74% An annual bene�t to all our savers of almost £88m Common Equity Tier 1 Capital is Pro�t before tax 34.5%(Dec 2019: 33.6%) £32.6m(H1 2019: £49.4m) Reserves available to protect us from future problems Customer 2 Colleague 3 satisfaction engagement 93%(2019: 91%) 85%(2019: 82%) We have an ongoing commitment We’re committed to being to be customer focused in a great place to work everything we do 1. We paid an average of 1.35% to our savers compared to the rest of market average of 0.74%, which equates to an annual bene�t to our savers of £87.7 million. CACIs CSDB, Stock, June 2019 to May 2020, latest data available. CACI is an independent company that provides �nancial benchmarking data of the retail cash savings market. 2. External Customer Experience and Satisfaction tracking conducted by Savanta on behalf of the Society with 2,667 members, January to June 2020. 2019 tracking conducted by Engine Transformation formerly ORC International with 5,948 members from January to December 2019. -
Tenant Planet Property Management
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