Our Specialist Lending Services
Shared Ownership
Many people are finding it increasingly difficult to get started on the property ladder. With the combination of high property prices and mortgage lenders asking for a minimum of a five percent deposit, many prospective home buyers may feel defeated before they start to view properties. The Shared Ownership Scheme allows you to buy a home even if you cannot afford all of the deposit and mortgage payments for a home that meets your needs.
Right to Buy
Bad Credit
Holiday Let
A holiday let mortgage will allow you to purchase a property that will be let out to paying holidaymakers, whilst also allowing you to personally use it as a holiday home each year. As the demand for staycations surge, there has potentially never been a better time to purchase a holiday let property. A holiday let mortgage is not to be confused with a buy to let mortgage which is a long-term rental or a mortgage for a holiday home which is a second home that will only be used by you and your family.
Most lenders will need a letter from a holiday let company confirming what income the property will generate per week during the low, mid and high seasons.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Equity Release
Releasing equity can impact the inheritance you leave and any state benefits or local authority grants you receive. Before deciding whether to consider equity release, it is a good idea to speak with trusted family or friends. They could give you support or suggest other ways to raise the money you need. A lifetime mortgage is a long-term commitment which could accumulate interest and is secured against your home.
Equity release is not right for everyone and may reduce the value of your estate.
Equity release is arranged on an introduction only basis.
Self Build Finance
A mortgage for a self-build differs from a mortgage you would use to buy a house because with a self-build mortgage the money is released in stages as the build progresses. There are different ways in which this money can be released and your choice of product will depend on your own particular circumstances. This is why it is important to speak with a broker to discuss your options as early in your project as possible.
Commercial Finance
Commercial mortgages are not usually regulated by the Financial Conduct Authority.
Commercial mortgages are arranged on an introduction only basis.
Are you looking to expand your business or have you realised that the cost of renting has become too great? If so, you might find that a commercial mortgage can offer business finance options you weren’t aware of.
Bridging Finance
Bridging Finance is arranged on an introduction only basis
This type of finance is essentially short-term finance usually where a quick purchase is vital such as auction purchase or that once-in-a-lifetime business opportunity. This allows purchases to complete in a much shorter timeframe than traditional funding and can often be measured in days rather than weeks or months.
Clients may wish to consider Bridging finance for a number of reasons with
Second Charge Loans
A second charge loan allows you to use any equity you have in your home as security against another loan. It means you will have two mortgages on your home. Many people use them as a quick way to raise money, avoiding the complications and risk associated with remortgaging.
Second Charge Loans are arranged on an introduction only basis.
"If you would like any further information on any of these specialist areas, please submit the contact us form and we can arrange a meeting so that we can discuss your individual circumstances."