Development and Refurbishment – 90% Loan to all Costs available – Terms available for Professional Developers & First-time Builders. 100% of costs available with funder profit share.

Commercial Mortgages – Up to 85% LTV (100% plus goodwill in some professional sectors). Rates start at 1.85% over base rate. Terms up to 30 years with Interest-Only options

Bridging and Short-term Finance – from 0.4% pcm – Available for Auction Purchases

Property Investment

Property Investment

Finance is available for all borrower types across all asset classes, from individuals financing a single buy to let property to companies buying or refinancing large portfolios. Our bespoke service ensures we fully understand our clients’ requirements, delivering not just any deal but the right deal for that specific set of requirements.

We’ll outline the very best terms available, then manage the application process from enquiry to full credit sanction and through to completion.

Property Investment facilities are available to all applicant types; individuals, partnerships, limited companies, trusts, pension schemes, complicated and layered company structures, including overseas investors and Ex-Pats. Interest-only and part-repayment options are available with loan terms up to 30 years.

The funding available is specific to that client and sector; whether Residential, Mixed Use, Commercial or a combination of the three across a large Portfolio, please select the appropriate section below for more information, or call to speak to a member of the broker team who will be happy to help.

Residential Property Investment

Specialist Residential Investment

As experienced property investors will know, there are many situations and types of residential property where traditional buy to let lenders will not provide funding. These can include:

Properties owned for less than 6 months
Properties above or adjacent to commercial premises, including restaurants and takeaways
Applicants with provable income below £20,000
Historic credit problems
Professional landlords
Applicants with property portfolios
Limited company applicants where the company is trading
Houses in Multiple Occupation with shared facilities including bedsits
Multi-unit freeholds including blocks of apartments
First time investors

With our direct access to the entire market covering all residential and commercial lenders, we can find a solution for most applicant and property types, even where applications have been declined by traditional lenders.

Most of the above scenarios can be funded up to 75% of valuation, limited company buy to let up to 85% even for trading companies, with interest rates starting from just 2.5% above base rate.

Mixed Use and Semi-Commercial Property Investment

We are currently seeing a huge uplift in clients wanting to purchase this type of property which can be as simple as a commercial unit with one or more flats above, to entire blocks or parades with commercial units commonly on the ground floor.

We handle purchases, straight like-for-like refinance and capital raising.

All applicant types can be accommodated including individuals either solely or in partnership (UK and overseas residents) also limited companies and trusts (UK and offshore)

Loans are available with a choice of repayment and long-term interest-only options including properties with short commercial leases and even licences, the residential units usually being self-contained and let on Assured Shorthold tenancies, but corporate lets and also HMOs above commercial can be funded.

Commercial Investment Finance

Whether you are looking to finance or refinance a single property or a portfolio, including Shopping Centres, Industrial or Office Parks, we have a solution to meet just about every need,

We handle purchases, straight like-for-like refinance and capital raising – whether you need to fund an office block, a shop with flat above or any other property type in between, we can help.

All applicant types can be accommodated including individuals either solely or in partnership (UK and overseas residents) also limited companies and trusts (UK and offshore)

Loans are available with a choice of repayment and long-term interest-only options including properties with short commercial leases and even licences.

Portfolio Finance

Professional or semi-professional landlords have portfolios which are made up of one, more or indeed all the types of investment properties covered in the other 3 Property Investment sections.

The information in those sections therefore holds true in that any mix of those property types in a single portfolio can be funded using the same principles with either a single loan against the entire portfolio or separate loans for each property type via the same or different lenders to take advantage of lower pricing for certain asset types in isolation.

Similarly funding is available for all borrower types whether UK based or overseas.