Whether it is investment, development or you are looking to buy a property for your business, finding the right finance solution is critical. With so much to think about, finding the right funder can be extremely time consuming at a time where the market is moving quickly.
Investment
This can be a long term project or a short term profit opportunity, in either the commercial or residential sector
Term:
- Up to 25 years – Residential
- Up to 15 years – Commercial
Loan to Value (LTV) varies depending on the situation.
Typically fully amortising repayment profiles but interest only options are available.
Development
Usually funders are looking to partner with experience developers with a strong track record and good knowledge of the market which mitigate their risks.
However there are a lot of innovative funding solutions to help developers achieve their goals.
Commercial Mortgages
Either for investment purposes or owner-occupiers, commercial mortgages can be used for new purchases or for refinance of existing premises.
New Purchases
Typically up to 70-75% LTV although certain sectors such as healthcare, professions, and education can attract up to 100% LTV.
Re-finance
This can be used to release cash for expansion or growth, or simply to get terms if the market has moved.
Property Development Bridge
Development bridge
Tyneside client needed to refinance in order to complete their development and sell the property.
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Refinance and Capital Release
Investment
Refinanced a property for £715,000 with a new lender, boosting borrowing capacity, improving interest margin, and unlocking capital to repay high-cost debt and fuel business...
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Short timescale property investment
Property Bridge
Client needed to move quickly to capitalise on a property opportunity.
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Property bridge for construction firm
Property Bridge
Client needed capital to purchase land and carry out development on a new site.
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Further Advance
Commercial Mortgage
Existing client needed a further advance but we were prepared - no surprises, and no challenges!
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Bridge facility enables property development
Bridge
Client needed to invest in the development of their existing site to increase rental income.
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