Property Finance

Whether a business is looking to own their own premises, outgrown their current property or looking at different ways of using their capital through investment properties. The market has a range of different lenders who can support most opportunities and help you achieve what you want to achieve.

Commercial mortgages (owner occupied or investment) use the security of the building(s) as the main security in the transaction; this is normally a longer term loan than a standard loan with typically a lower interest rate than an unsecured facility but is determined by the strength of the applicant and the buildings being financed.

We work with a range of different customers, from businesses purchasing their first property to highly experienced commercial landlords with multiple property types and investment goals.

• Commercial Mortgages

Benefits longer term to keep capital repayments down and cheaper interest rates compared to unsecured facilities.

Term - typically up to 25 years.

• Property Investment (residential and commercial investment)

Benefits longer term lending for leased out buildings – sometimes lenders have the option for interest only. 

Term typically up to 5 years but with an extended repayment profile of up to 25 years.

• Buy To Let (BTL) Portfolios

Benefits BTL mortgages are for landlords who want to buy or refinance a residential property to rent out. A BTL mortgage can be used to help purchase a new property or can be used to release equity to raise funds to expand a portfolio – lenders sometimes offer interest only.

Term typically up to 5 years but with a repayment profile of up to 25 years.

• Commercial Bridging Finance

Benefits Very quick turn around to complete against tight deadlines. End values of assets sometimes taken into account to secure the loan amount. 

Term 3 – 24 months.

• SIPP/SSAS Mortgages

Benefits Allows you to purchase an investment property through a pension scheme which could allow potential tax benefits. 

Term up to 25 years

• Development Finance 

Benefits Short term funding option which is usually used to specifically support with the purchase and building costs relating to a residential or commercial property development project. 

Term between 3 -24 months