If you have an enquiry regarding any of the following, we are here to help:
HMO Mortgages: A HMO (House in multiple occupation) is a property that is let to multiple different households. For the property to be a HMO the whole building, or even part of the building needs to fall within one of the following categories. A building or flat in which more than one single household shares an amenity – for example, a bathroom, toilet, or cooking facilities, Tenants share one or more of the basic amenities or the accommodation lacks one or more of these amenities (defined as a toilet, personal washing facilities and cooking facilities), The building does not entirely consist of self-contained units or at least three people occupy the building who make up more than one single household.
Multi-unit Freehold Mortgages: A multi-unit freehold mortgage is used to secure funding against a property that is comprised of many self-contained flats, apartments, or houses. It applies to properties held under a single freehold title, without individual leases. The key difference to an HMO is that each unit is self-contained with its own private entrance and separate AST (Assured Shorthold Tenancy), as opposed to an HMO property with a shared kitchen, bathroom and communal area.
Bridging Finance: Is short term lending usually up to 18 months. Bridging loans can finance a new property or the cost of renovation, especially where the property is uninhabitable, or you need fast access to funds. Some bridging loans do not require monthly repayments to be made, this can be retained interest or rolled up interest. You can also have the option to have serviced interest. We can discuss these options with you and make the most suitable recommendation for your circumstances.
Development finance: We cover all kinds of developments from ground up developments to heavy refurbishments, No two developments are ever the same. We assess each unique opportunity on a case-by-case basis, to help bring your project to life.
Commercial finance: If you are looking to secure finance on a commercial premises, be it a pub, care home, warehouses/retails units or office space we have access to specialist lenders to help you to achieve your business ambitions.
Self build finance: When it comes to self-build finance, the value that a good mortgage adviser adds to your team of professionals is significant. We have access to wide range of lenders on the market and can advise as to the correct provider offering the correct product for your project. This will help save you hours spent searching for the right lender yourself. It’s not just about the rate of interest you pay; the wrong structure could mean you are tied into a self-build product several years after the project is finished, unnecessarily incurring a large amount of interest.
Second charge mortgages: A second charge mortgage is a type of loan secured against your property. It can help you get the funds you need for things like home improvements or debt consolidation. This can be a great way to use some of the equity you have built in your property by using your home as collateral. Talk to us to help you understand if a second charge mortgage is the most suitable option for you.
* Some forms of Buy to Let mortgages are not regulated by the Financial Conduct Authority.
* This service is offered by referral to a third party.