Bridging Finance Loans - (Intermediaries and Brokers Welcome!)
As an Independent Property Bridging Loan Finance Broker in the UK you are able to quote with all the primary Bridging Finance Lenders in once place. For more information on the types of Niche Bridging Loans (including Large Loan Bridging Finance) we offer please visit our flash webpage’s – please give them 10 seconds to load!
Remember, our Bridging Loans are based on Open Market Value!
Specialist BMV Lending Solutions
Whether you choose to join our collective or make an individual enquiry this website will assist you to borrow on BMV properties even if they are in need of refurbishment and not immediately 'lettable'. Through our entire niche borrowing schemes we can assist you to borrow based on open market value rather than the actual lower purchase price.
The schemes and methods we offer provide end to end solutions with interest rates and fees on par with that of standard Lending.
If you are not a Professional Landlord, but want to learn more about our services please browse our pages.
Bespoke Lending
Large Bridging Finance Loans and Commercial Mortgages are readily available, even in the current climate. Outside the scope of standard Mortgage Lenders we are able to offer our Niche Commercial Mortgage Loans and Private Finance based on Open Market Value.
Interest Rate Hedging
With Fixed rates disproportionate to the Bank Base Rate (BBR) and tracker margins too high to sustain should BBR return to a more ‘normal’ level, Professional Landlords and Commercial property owners with Large Loans need to look for alternative ways to protect their debt from prevailing interest rates. For information on interest rate hedging and an overview of our interest rate risk management services view our hedging pages.
Estate Planning
Putting individual property or your portfolio into trust can mitigate many tax and long term care implications. For information and more complex Capital Gains Tax (CGT) strategies for portfolio disposal, tenants in common, or stamp duty information for Large Loan purchases, please visit our Estate Planning page.
Current Mortgage & Remortgage Rates
As well as our Niche Mortgage Lending for BMV Investors and Professional Landlords, we also provide finance for many other scenarios. Please browse through our site for further information and latest mortgage interest rates.
Introduction
Property - Niche Lending - Landlords - Investors
Professional Investors will always look for alternative ways to increase their property portfolio in a more profitable way. Buying at auction is the most common way to source properties below market value (BMV), but Investors will find that Mortgage Lenders will decline to secure funds against the property until it is in a 'lettable' or habitable condition, often applying full or partial retentions that require additional deposit input to complete the purchase.
Other Investors may turn their attention to offering a quick property purchase to the Vendor in return for a substantial reduction in purchase price; but with Lending criteria restricted to borrowing on the actual purchase price rather than the open market value, without the correct methods, any funds made in this way can end up being tied up in equity. Property purchased below market value (BMV property) is only immediately profitable if you are able to borrow based on the open market value rather than a percentage of the purchase price.
Purchasing buy to let properties below market value normally requires the use of a property Bridging Finance Loan. Even if the buy to let property requires a large loan (Large Loan Mortgage or Large Loan Bridging Finance), the Bridging Loan can be refinanced to a standard Mortgage Lender based on Open Market Value. Standard Mortgage criteria will prevent even a Professional Landlord from refinancing the Bridging Loans until 6 months of ownership has elapsed. The use of niche Bridging Finance and Bespoke BMV Mortgages can allow Professional Landlords and Investors to remortgage before this time to release the equity held in the property.
This website provides solutions for Professional Property Investors and Landlords using niche funding techniques. Please proceed to our dedicated Professional Landlord Zone for more information on our Bespoke Lending options, Landlord insurance, eviction services and portfolio management.