Buy to let mortgages & commercial investments

Funding your property portfolio

Experience | Knowledge | Integrity

Your first investment in Buy to Let

First time landlord mortgages

Most lenders restrict first-time buyers to a loan to value (LTV) of 75% of the purchase price or value of the property.

It’s possible to borrow more in some circumstances so if that restricts you then do talk to your advisor.

Ways to find your deposit

Your deposit doesn’t always have to be from savings, it’s common to remortgage your primary residence, take gifts from within the family, second charges from builders, some lenders will accept deposits from credit cards or other means.  Contact us to discuss your needs.

Other costs
Purchase costs

As well as your deposit there are other costs you’ll need to account for;

  • Stamp Duty Land Tax
  • Legal fees (both your own and the lender’s)
  • Lending fees
  • Valuation fee
  • Possible refurbishment work
Bridging finance
Opportunity finance

To those who don’t understand, bridging finance can seem expensive, the interest rates are double mortgage rates or more. So why would you use one? A bridging loan lets you buy a property to refurbish, release value when buying undervalue, complete quickly on an auction purchase or to get a discount. 

Growing your property portfolio

Realising your equity
Buy to let mortgages & commercial investment will compare the best buy to let mortgages for your portfolio. Specialist buy to let mortgages for limited companies, growing portfolios and first-time buyers.  Residential and commercial investment property finance.

When to grow
The perfect time to grow is now

A bridging loan is a type of short-term finance product which bridges a gap between two points; An auction purchase – buy to let mortgage, refurbishing a property for sale or refinance, buying undervalue or releasing equity quickly.

Cash flow considerations
Residential or commercial development finance work with experienced and new property developers to arrange the funding needed for builds of all sizes.  With our extensive panel, you have access to the lowest rates or 100% funded joint venture partnerships.

Targeting your purchase
Funding for light or heavy refurbishments

Short term finance could allow you to purchase a property which is unmortgageable, adding to your portfolio at less cost or flipping for a return. Save costs with refurb to term products from selected lenders on our panel.

Houses of Multiple Occupation and Multi-let properties

Maximising rental income
Start up loans

Here at we’ve worked with hundreds of start-up businesses since 1997. Not only do we work with the Start-up Loans company but also with independent funders who can also help, even when historic figures are not available.

Converting properties
Commercial mortgages | Structured finance | Business loans

When buying a business you need the best funding options to make sure you’ll be a massive success.  From business loans to commercial mortgages work with the best funders in the market to fund your perfect business.

Lenders requirements
Commercial mortgage | Asset finance | Invoice finance | Business loans

Growing your business needs the right finance to be in place. The right amount, the right terms. By taking the time to understand your borrowing or cash-flow needs, our funding experts can arrange the perfect finance solution.

HMO Legistlation
Debt consolidation | Improving borrowing terms | Reducing rates

Is your business borrowing at the best rates and terms? With interest rates still at historically low rates is it the best time to consolidate or remortgage to reduce your monthly payments?  For a free consultation and appraisal contact us now.

Commercial investment property

Why invest in commercial property
Mortgages and loans for Pubs, Hotels & Restaurants

No other finance company has the experience and lender selection that can offer.  Our award-winning team can put together funding for open or closed units, disposals and growth plans, experienced owners or first-time buyers.

The right property
Commercial investment mortgages
Commercial mortgages | Invoice & Asset finance | Business loans

Buying into manufacturing means arranging the most competitive finance package to suit you and the business.  Our 250 + lender panel allows a structure of one or more lenders to suit your circumstances and your growth plans for the business.

Commercial property bridging
Commercial mortgages | Business loans | Asset finance 

Buying into retail needs an understanding of where the sales are coming from and how the funding can be repaid.  At we’ll combine the right funding sources to get you in and trading.

Contact us

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