Commercial Mortgages and Residential mortgages
 

Commercial mortgages &
Residential mortgages

Commercial Mortgages

Owner-occupied industrial and commercial property

  • Loans up to 80% of valuation are available (up to 100% for sitting tenants buying at discount)
  • Repayment term up to 25 years
  • Interest from 0.75% to 3% over base rate

Commercial investment property

  • Loans up to 85% of valuation
  • Repayment term up to 25 years
  • Interest from 0.75% over base rate
  • Up to 5 years interest-only
  • 1 - 25 years fixed rates available

Buy to Let Mortgages

  • Loans up to 90% of valuation
  • 85% - 90% ltv buy to let mortgages
  • Repayment term up to 20 years
  • Interest from 1% over base rate
  • Interest-only loans available
  • Lenders valuation fee added to loan

Residential Development Finance

  • Joint venture finance up to 100% of both land and development costs
  • Other packages comprise:
    • 60% of land and 100% of development costs
    • 60% of total sales value of site
  • Mortgage interest rates from 1% over base rate

Pubs, Hotels, restaurants

  • Loans up to 75% of 'Going Concern Valuation' (90%/100% of bricks and Mortar) on hotels and pubs.
  • Repayment term up to 25 years
  • Interest from 1.75% to 3% over base rate

Nursing & rest Homes

  • Loans up to 75% of 'Going Concern Valuation' (100% of brick and Mortar) with term up to 25 years
  • Interest: 1.25% to 3% over base rate repayment up to 25yrs

Retail Shops and Post Offices

  • Loans up to 75% of valuation are available, up to 100% sitting tenants buying at discount
  • Repayment term up to 25 years
  • Interest 1.5% to 3% over base rate
  • Loans available for leaseholds up to £75,000 over max 5 years

Professional Practices

  • Particularly attractive rates are available for this sector
  • Accountants, Dentists, Doctors, Solicitors, Surveyors, Vets
  • Loans up to 100% of purchase price/valuation
  • Interest 1% over base upwards

Commercial Mortgages - non status

Commercial Mortgages - non statusWe specialise in helping with problem or difficult cases. i.e. borrowers and companies who may not be acceptable to high street lenders due to past credit problems or the project does not meet the banks criteria.

All purposes considered:

  • house extensions and conversions
  • Loft conversions
  • capital raising
  • debt consolidation

Self-certification for self employed. CCJ's, mortgage arrears, defaults, ex bankrupts, IVA's, no credit history.

Bridging Finance / Loans

  • £50k to £3m
  • Period 12 months (extendable)
  • Loans up to 75% LTV
  • Interest from 1% per month

Commercial, Semi Commercial and Residential investment

  • £25k to £500k
  • Repayment terms 10 years (first 5 years interest only)
  • Commercial loans up to 75% LTV

Residential Mortgages

Residential MortgagesWe specialise in arranging mortgages, second mortgages and re-mortgages for people who have trouble obtaining credit. i.e. CCJ's, mortgage arrears, defaults, ex bankrupts, IVA's, no credit history. Self-certification for self employed. Whatever the problem we can usually help, for example:

  • Loans from £25k to £1m up to 95% LTV
  • Repayments 5-25 years Buy to let <80% LTV
  • Right to buy <75% LTV
  • Self Cert <85% LTV
  • Bridging Loans £50k to £1m
  • Term 12 months (extendible)
  • Loans up to 80% LTV
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