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Property Finance Loans
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We are here to assist you with any type of loan you require, be it personal or business. We will have various options available to you, such as loans for bridging the gap between properties, consolidating current debts, or funding home improvements. Think carefully before securing other debts against your home.
Regardless of whether the loan you are seeking is secured, unsecured, or a bridging loan, we can match you with a lender that suits your specific needs. If you want to learn more about obtaining a loan, click Get Started to speak to one of our friendly agent or reach out to us at 0116 216 2340 and we will discuss your available options with you.
Secured Loans What Is Secured Loans?
Second charge loans, also known as secured loans are called “second charge” loans because they take a secondary position behind the first charge mortgage on the property.
Second charge loans can be used for a variety of purposes. They tend to have higher interest rates than first charge mortgages as they rank second behind the first charge mortgage in the event of a repossession. They can be a useful option for those who do not qualify for or circumstances do not suit a new a first charge mortgage. Subsequent charges may be also be allowed if certain criteria is met for the lender. Not all secured loans are regulated by the FCA.
Bridging Loans What Is Bridging Loans?
Bridging loans are a type of short-term financing used to “bridge” the gap between the purchase of a property and the securing of long-term financing or alternative methods to repaying the capital initially borrowed.
They are typically used by property investors and developers to quickly acquire a property. Bridging loans typically have higher interest rates and fees than traditional mortgages, but they can provide quick access to borrowing for those who need it. Not all Bridging loans are regulated by the FCA
commercial mortgage What Is Commercial Mortgage?
A commercial mortgage is a type of loan used to finance the purchase or refinance of a commercial property, such as an office building, shopping centre, or apartment complex. These mortgages are typically used by business owners, investors, and real estate developers.
It can be split into two categories. These are owner occupier mortgage by the business purchasing it and a commercial investment mortgage. Not all commercial mortgages are regulated by the FCA.
Development finance What Is Development Finance?
Development finance mortgages are a type of mortgage that are typically used to finance the construction or development of real estate projects. These types of mortgages are often used by developers and builders to fund the costs associated with acquiring land, designing and building new structures, and completing other types of development work.
Development finance mortgages typically have higher interest rates and more stringent lending criteria than traditional mortgages, due to the increased risk associated with development projects. Finance can be released at the correct stage for each individual development project. Not all development finance is regulated by the FCA
Lifetime Mortgages A lifetime mortgage will be secured on your home What Is Lifetime Mortgages?
A lifetime mortgage is a type of equity release mortgage that allows homeowners to borrow money against the value of their home, while retaining ownership of the property. Lifetime mortgage will be secured on your home. The loan does not have to be repaid until the borrower (usually the homeowner) dies or moves out of the home permanently.
The interest on the loan and any fees are added to the balance of the mortgage and are repaid when the property is sold in most cases, however there is the option for interest only or serviced plans. The amount that can be borrowed is typically based on the value of the home and the age of the borrower(s). Lifetime mortgages can be a useful option for older homeowners who need additional income but want to remain in their homes.
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- Re Mortgage A re mortgage, is the process of paying off an existing mortgage with the proceeds from a new mortgage using the same property as collateral.
- Second Home A second home residential mortgage is a loan used to purchase a second residence, typically for vacation or other reason which is allowed by the lender.
- Buy to Let A buy-to-let or LTD Company buy-to-let mortgage is a type of loan specifically designed for individuals or companies who wish to purchase a property with the intention of renting it out to tenants. These mortgages typically have different requirements and conditions compared to traditional Residential mortgages.
- Expat and overseas UK Expat mortgages are home loans specifically designed for individuals who live and work outside of the UK. The property purchase is usually for investment purposes but in rare scenarios the lender may accept owner occupation. The condition of expat mortgages are set by the lender who will typically be based in the UK.
As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage
repayments. A buy to let mortgage will be secured against your property. Some types of buy to let mortgages are not
regulated by the Financial Conduct Authority.
