Frequently Asked Questions

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Frequently asked questions

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Get a quote today

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Acorn.finance franchises, introducers & careers

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[av_toggle title=’I‘ve been told it’s difficult to get a buy to let mortgage as a limited company, is that true?’ tags=’buy to let mortgage,’]
Lending to limited companies has increased exponentially since the former Chancellor of the Exchequer, George Osborne announced the changes to the tax relief around buy to let mortgages. – there are a broad selection of lenders operating in this space who offer a great variety of extremely competitive products for corporate borrowers.
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[av_toggle title=’I’m buying at less than market value, can I borrow more than standard lending?’ tags=’below market value’]
A number of lenders will extend better terms than normal to those purchasing at below market value. Lending is possible against the market value of a property, commercial or residential at up to 90% of purchase price.
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[av_toggle title=’’m the sitting tenant of a pub and the landlord will sell me the freehold, do I have to come up with a 40% deposit?’ tags=’sitting tenant purchase of freehold’]
Sitting tenants have long been penalised by the major banks. Acorn finance have worked with a number of lenders since the late 1990s to rectify this problem.  We currently have a number of lenders who will lend against the market value of your pub, hotel or other business and allow an advance of up to 90% of the purchase price of the freehold.  We can also help with the VAT which is often payable in these situations (it’s normally reclaimed with the next VAT return)
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[av_toggle title=’Does my loan have to be used for a particular purpose?’ tags=”]
Many of the lenders we work with are happy for you to use the proceeds of the loan for “any legal purpose” in the past we’ve raised funds for the purchase of holiday homes abroad, sports cars, yachts and even aircraft.
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[av_toggle title=’My bank says that to get funding for my business I have to put a 50% deposit down, is there no better option?’ tags=”]
There is almost always a better option.  Acorn.finance work with almost 200 lenders to put the best funding package together for your circumstances.  There are specialist lenders in many sectors offering great deals to businesses just like yours. It matters because if your competitors are getting a better finance deal than you then they will have more profit available to spend on marketing, improving their offer and potentially stealing your customers.
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[av_toggle title=’Why do you charge a fee for raising finance?’ tags=”]
As professionals we want to offer the very best customer experience to every one of our clients, working with them personally to ensure their long term aspirations are met.  That can mean working long hours before a case is presented to a lender to ensure that once the application is submitted it will be successful.
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[av_toggle title=’Why would I use a broker when I have a great relationship with my bank?’ tags=’buy to let mortgage,’]
The high street banks are great so long as you fit their criteria, the often lend fairly conservatively and have quite strict lending policies. By working with acorn.finance it might be possible to get a better deal with a specialist lender  or turn a “no” into a “yes”

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[av_toggle title=’My bank says that to get funding for my business I have to put a 50% deposit down, is there no better option?’ tags=’below market value’]
There is almost always a better option.  acorn.finance work with well over 200 lenders to find the best funding package for your circumstances.

There are specialist lenders in many sectors offering great deals to businesses just like yours. That matters because if your competitors are getting a better finance deal than you then they will have more profit available to spend on marketing, improving their offer and potentially stealing your customers.
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