Mark Lanario CeMAP CeRCH

Senior Specialist Mortgage Consultant

DRAKE MORTGAGES LIMITED
Mark Lanario

About Mark

Mark’s career in Financial Services started in 1995, when he joined Barclays Life Assurance, part of the Barclays Group, as a trainee Financial Adviser. Whilst at Barclays, he completed a 16 week residential training programme, covering advice relating to Barclays, Life, Investment and Pension products to individual clients. During his time at Barclays, he took and passed the Chartered Insurance Institute Full Financial Planning Certificate and achieved Competent Adviser Status under Personal Investment Authority rules.

Following on from Barclays, Mark joined a large Kent based Estate Agency firm, tied to Winterthur Life, as a Trainee Mortgage Consultant, attaining the Chartered Insurance Institute Mortgage Advice Qualification and Competent Adviser status in a few months.

During his 2 years as an Mortgage Adviser in Kent, he was promoted to work in larger offices, seeing and advising ever large numbers of clients, whilst acting as a “demonstrator” to be observed by other new advisers. Whilst active in his Demonstrator role, Mark realised that he enjoyed training work, so embarked on gaining the Chartered Insurance Institute AFPC, Sales Management and Supervision qualification.

On attaining the AFPC qualification, Mark moved into an Area Financial Services Managers Role, for a Estate Agency firm tied to Winterthur Life. On joining, the firm was not currently operating in Kent, so he had to work with his counterpart in Estate Agency to source, open offices and employ Advisers – a challenge which he readily accepted.

Due to the Endowment mis-selling problems in 2000, Winterthur Life made a strategic decision to close much of its tied network, and cease trading its products through firms that were in a financial position to continue. Mark was offered a role as a Compliance Officer with Winterthur, on a 12 month contract, assisting in network closure and Endowment Complaints.

Mark has been a whole of market broker broker at Drake Mortgages since 2001 and is an industry leading specialist regarding holiday let mortgages.

Initially involved with residential and buy to let mortgages, in 2006 he had the idea of expanding into the small, but growing market for UK holiday cottage mortgages.

Working with the Directors, he further developed his knowledge of holiday lets and successfully created digital marketing and promotional ideas.

He is often quoted on lenders websites and can be found in the press, talking about holiday lets and the available finance. Mark regularly enjoys assisting lenders with their market research and product design.

Outside of work, Mark is keen on exercise and Military history.

SPECIALIST AREAS

Since 2006 Mark has specialised in arranging finance for UK holiday lets, holiday homes, second properties, mixed-use properties and holiday let complexes.

Holiday Let Mortgages

Expert, whole of market mortgage advice with solutions for purchase, remortgage and capital raising.

Multi-Unit Holiday Lets

Multi-Unit, mixed-use or even both together!

The mortgage finance is mainly provided by commercial or specialist lenders operating in the hospitality/short-term letting markets.

Limited Company Holiday Lets

Holiday Park Finance

Commercial holiday park finance for site owners. To buy, develop, improve and refinance.

Written by Mark Lanario

Can we get a mortgage for a holiday let business?

A holiday let business is more than just a single rental property. It typically includes multiple units or even an entire holiday park. If …

Purchasing a Guest House or B&B

We receive many early stage enquiries from the travel and tourism sectors. A popular approach is to purchase an existing or start-up guest houses and …

What are holiday let occupancy clauses?

To own and run a UK holiday let you need to be aware of the occupancy rules and restrictions that apply to such properties. …

Section 106 Planning Restrictions

A Local Authority will often use a Section 106 planning restriction when they want to control how a property can be used. These powers …

Can I remortgage my holiday let?

Remortgaging a holiday let can be a great way to take advantage of better rates or terms, or to free up equity in the …

What kind of mortgage do you need for Airbnb?

Are you a landlord looking to make money from Airbnb rentals in the UK? If so, it is important to understand the type of …

What kind of mortgage is best for a holiday rental property?

When it comes to mortgages, there are a few different types that you can choose from. If you are looking to purchase a holiday …

The PDR Opportunity for Investors

Planning permission through PDR (Permitted Development Rights) is a great opportunity for investors to make profit The demand for housing continues to exceed supply …

How To Buy a Holiday Home

When summer arrives, and our thoughts turn to getaway plans, many of us may consider buying a home at our favourite holiday destination. Generation …

Growing demand for holiday let mortgages

EVER DREAMED of owning a second home by the coast, or in your favourite UK holiday spot? Or perhaps you’re looking at a second …

Who offers the best holiday let mortgages?

In the main, the lenders that offer the best holiday let mortgages tend to be the smaller building societies, specialist finance companies plus some …

Already own a property, and thinking about buying another?

INVESTING IN A SECOND PROPERTY is on the increase. In fact, the number of people in the UK who own more than one property has risen …

The importance of using a buy to let mortgage broker

Is it the right time to invest in buy to let? It’s hard to predict the future but we all still have to plan …

Benefits of using a Bridging loan for Property Development

Quick access to cash to buy a bargain property or to keep a project on track. There are many benefits when using a bridging loan …

Why use a bridging finance broker?

Bridging finance can be a very useful tool for many small developers. It helps to secure the funding necessary to cover the costs of building …

Renovation Mortgage: An unlettable property in Scotland

As a specialist in providing finance for holiday and short term let property, we receive enquiries for financing the very simple to the quite …

Buy to Let vs Holiday Let

It is important to understand the differences between these two property types. Just because they both involve letting does not mean that they are …

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I have enjoyed the benefits of extending my property portfolio with the advice from Norman Phillips and his team. I always trust their solutions and let them deliver the financial strategies needed.

Nicholas Thompson

Wimbledon
Thank you both so much for all of your help. You have made such a difference to our house buying process.

Rebecca

London
I recently worked with a mortgage advisor Kerry who was exceptional. She was knowledgeable, responsive, and provided excellent customer service. I highly recommend Drake Mortgages to anyone in need of mortgage guidance and support. Thank you for making my experience stress-free and straightforward!

Ieva Umbrasaitė

The mortgage on our holiday let flat completed last week. Thank you both for your help with this, I appreciate all your efforts.

Wayne

Basingstoke, Hampshire RG21
Thank you for your help throughout this process, we are very happy with the service provided and would not hesitate to recommend you.

Kat & Gary

Camden London N9
I wanted to express my sincere gratitude to you and the team at Drake for the exceptional service and attention to detail in helping secure mortgages for both of my children in the last three months. I have had numerous experiences with mortgage brokers, but none as good as you.

Duncan H

West Kingsdown