Mortgages

Looking For A Residential Mortgage
Or Commercial Finance?

Look no further, we can help you with any of the following:

• Residential Mortgages
  • First time buyers
  • Home movers
  • Remortgages
  • Second charges
  • Islamic Mortgages
  • Self-employed
  • Employed
  • Tax credit
  • Gifted deposits welcome
  • CCJ’s-Defaults – No problem
  • Over 50s accepted
  • Mortgage prisoners – No problem
  • Term up to age 75

   

• Buy to Let
  • Loans up to £2 Million available.
  • Terms from 2-35 years.
  • Up to 80% LTV.
  • First Time Buyer/ Landlords.
  • 1^st and 2^nd charges available.
  • Adverse Credit accepted.
  • Multi-Unit Freehold Blocks.
  • HMO products available.
  • Ex-Pats and Foreign Nationals accepted.
  • Employed & self employed
  • First time landlord accepted

   

• Limited company Buy to Let
  • Loans of up to £10 Million available.
  • Terms from 2-35 years.
  • 80% LTV.
  • 1st and 2nd charges available.
  • Can accept adverse credit.
  • Ex-Pats and Foreign Nationals accepted.
  • Day one limited company mortgages

   

• Bridging Loans
  • Loans up to £50 Million available.
  • Competitive rates
  • Regulated terms from 1-12 months.
  • Unregulated terms from 1-36 months.
  • No exit penalties available.
  • 1^st, 2^nd and 3rd charges available.
  • Can accept unlimited adverse (Valuation only products).
  • Ex-Pats and Foreign Nationals accepted.

   

• Commercial Loans
  • Loans up to £50 Million available.
  • Competitive Rates
  • Terms from 3-35 years.
  • Up to 75% LTV.
  • Care sector products available for NHS contracts – up to 100% funding.
  • Ex-Pats and Foreign Nationals accepted.

   

• Development Finance across the UK
  • Competitive rates
  • 90% GROSS of Purchase and 100% Build Costs .
  • 60% land purchase and 75% build costs.
  • No early repayment fee/ Exit fee.

   

  If land is already owned, we will fund 100% of the build cost in stages

   

• Unsecured Business Loans
  • 2 Years trading minimum.
  • 1 years latest finalised accounts.
  • 3 months business bank statements
  • Loans can be agreed and paid within 72 hours.
  • Unsecured up to £500,000 –
    Secured up to £1 Million.
  • Can be used for all types of business use other than full purchase of commercial property – can be used as deposit once an offer has been made for a commercial mortgage.
  • Merchant Banking and Invoice Finance available (B2B Led).

   

  We can look into the residential side of business also…

   

• Second Charge Loans
  • Loans from £10,000.
  • Most lenders have a minimum of 6x LTI (Many even go off an income & expenditure).
  • Equitable charges available (won’t need consent from 1^st charge lender).
  • Some lenders accept self employed with 1 year’s accounts plus one years projected.
  • 100% LTV Options.
  • Raise money for any legal purpose (Can even raise money for business purposes).
  • Seconds used for debt consolidation will not take the consolidated items into account for affordability.
  • Products with no ERC’s available.