Commercial Loans

Secured Loans – the real alternative to re-mortgaging

If you are looking to raise money for things like home improvements or debt consolidation but it’s too expensive for you to re-mortgage because; for example, you may have an interest-only or low-rate mortgage that you do not want to lose, a secured loan may be an excellent alternative.

We can offer you a whole-of-market panel service and have access to the products from all of the UK’s most respected lenders.  We can arrange either capital repayment or interest-only loans from £10,000-£500,000 from 3–25 years on residential properties and £10,000-£3,000,000 on buy-to-let properties.

Bridging Loans

We know the demand from property investors for bridging finance has increased dramatically in the last few years. In the same period mainstream mortgage finance has been squeezed, and the two are correlated. The availability of short-term finance products for property investors has increased greatly over the last few years.

Whilst classic bridging can still be used by residential property owners for property chain-breaks or releasing equity quickly, or for buying property where there are known issues (such as title or planning issues where the client has the view of remedying these before selling the property on), there has also been a real shift in perception. Investors are starting to view the short-term market as a more viable option to leverage and make their money work harder as well as taking advantage of time-sensitive opportunities which come their way.

No two bridging loans are the same, and no two reasons for taking out a bridging loan are the same either.

We can assist you with the following:


We have access to the many providers who specialise in these specific areas and who have created their own product overviews.  Please feel free to contact us by, phone, email or via, our contact form to discuss your personal requirements.

Think carefully before securing other debts against your home.  Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

For mortgages and equity release we can be paid by  a combination of fee and commission or by fee payment only.

A typical £495.00 fee is payable at the time the application is submitted and completed; plus we will be paid a commission by the lender.

For fee only cases, a £495.00 fee is payable at the time the application is submitted and completed plus we will charge a fee of 0.5% of the loan value on completion.

The Financial Conduct Authority does not regulate some aspects of commercial mortgages, buy to let mortgages, secured loans or bridging finance.




Can I help?

James Watkin

Independent Financial Adviser

James

CALL US: 0191 516 6353

or 0191 252 9318

Advice with Integrity