Commercial & Buy To Let Mortgage Specialists
Phone 01223 291929

What We Do



Development

We have a whole range of lenders, active in this sector of the market. 100 % finance is sometimes available, dependent on the deal, the experience of the developer etc.

We understand what developers are looking for and we provide the speed, the flexibility and the personal service. Funds are normally advanced in stage payments as the build progresses. We know that every development is unique and requires a tailor-made financial solution.


Auction Finance

Speed is of the essence here and we work with lenders who are geared up to deliver the necessary finance quickly.
There are even lenders who will look to lend on the open market value – rather than the price paid at Auction.


Conversions & Refurbishments

If refurbishment is required then 70% of the purchase price is available with one of our specialist lenders and after the works have completed, this lender will release back to you, the capital spent on the refurbishment, up to a maximum of 75 % of the after works value. This frees up your capital again so you can further invest in the market.

This is an increasingly vibrant market and also covers buildings currently being used as offices or other being converted in to flats or other residential buildings.


Buy To Lets & Portfolios

This is an area of key lender competition and there are multiple schemes available. As a general guide residential buy to lets go to 75% LTV ( more with additional security ) and you can choose from a plethora of fixed and variable rates, with terms from 3 to 30 years, interest only, capital repayment or part capital-repayment. Lenders normally look to the rental generated from the property to cover the mortgage payments and this will normally determine how much you can borrow. Some lenders will allow you to borrow up to age 80 years. HMOs are a particular speciality of one of our lenders.


Retail Shops

Trading Businesses or as an investment, where you place a tenant in the premises on a commercial lease: - look to a maximum of 75% LTV but again plenty of lender offerings and the High Street Banks are increasingly lending in this sector : - fixed & variable rates.


Offices & All Types of Commercial Buildings

Hotels, Pubs, Restaurants, Industrial Units, Offices, Farms and many more.


Bridging & Short Term Finance

Again, a vibrant market with a lot of options from which to choose, including interest roll-up. Obviously bridging is a short-term solution and not suitable for long term financing but used wisely, it can make the vital difference to that all-important property acquisition.