We can help with all types of finance, employed, self-employed, commercial, bridging, buy-to-let, development finance, secured and unsecured loans and equity release at very low rates as we have access to the whole market.

  • Commercial Mortgages and Buy to Let
  • Prime & Complex cases;
  • Market leading rates;
  • High Street / Specialist Lenders;
  • Commercial & Semi-Commercial;
  • Up to 115% LTV available with additional security;
  • Loans up to £20 million;
  • Owner occupied & investment;
  • Multi leases on one title;
  • Most property types considered;
  • Adverse considered;
  • Poor property condition;
  • Portfolio’s accepted;
  • Recent purchase;
  • Heavy Refurbishment.

House in Multiple Occupation (HMO’s):

  • Up to 75% LTV;
  • Up to 8 bedrooms;
  • Interest only refurbishment loans;
  • 1st and 2nd Charges;
  • Personally owned or Ltd. Companies.

Development:

  • Up to 65% Gross Development Value (100% of build costs);
  • Terms up to 24 months;
  • Loans up to £10m;
  • Rates from 0.90%;
  • Funding available prior to planning permission.

Secured and Unsecured Loans (second charge):

  • Contract workers, probation & maternity income;
  • No caps on income multiples;
  • Interest only and to age 85;
  • BTL – 115% rent coverage and no stress test;
  • Non standard construction and ex council flats;
  • Unlimited adverse up to 70% LTV;
  • Declined consent;
  • Pay day loans, IVA’s, debt management & bankruptcies;
  • Business loans, Tax, complex debt consolidation.

Adverse Credit:

  • Arrears 12 months ago.
  • Recent CCJ’s now satisfied;
  • Loans to clear IVA’s, DM plans or bankruptcies;
  • Arrears 12 months ago;
  • Recent CCJ’s now satisfied;
  • Loans to clear IVA’s, DM plans or bankruptcies.

Bridging Finance:

  • Expedite Bridging;
  • Fast bridging;
  • Standard Bridging;
  • Whole of market choice;
  • Private lenders.

Equity Release:

  • Lifetime mortgages specialist lending.