Building a property deal that’s right for you

You’ll know that the property industry can move fast and opportunities can come and go in days at times. Sometimes it’s necessary to complete a quick purchase or to refinance an existing asset in a short period of time and that’s why it’s essential to have the right funding available to you first time around.

With our unique relationship with our lenders, we can often create building development finance packages that have a higher degree of flexibility. In most cases, this leads to a higher loan to gross development value and a higher loan to cost ratio, ultimately resulting in minimal developer’s cash contribution to a project.

Commercial mortgages can be utilised for properties that businesses will trade from or as a way of purchasing an investment, such as a buy-to-let. They can be seen as a complex form of lending; therefore, knowledge of the industry is recommended when arranging.

When you’re looking for a buy-to-let mortgage, it’s tough to know if you’re getting the best deal. Unless you have the time to approach a huge number of lenders and tailor each application to their specific standards, getting the most competitive quote can be extremely difficult.

Let’s face it, not all of us are in the position to buy a property with cash. The vast majority of people require a loan in order to purchase their dream home, whether that is a first apartment, a family forever home or a pied-à-terre in the city.

A secured loan, much like the name suggests, is a loan that is ‘secured’ against an asset. This could be your main residence, or it could be a buy-to-let or commercial property. Secured loans can also be known as a second charge mortgage, a secured homeowner loan, or even simply, a homeowner loan.

There are certain changes in our lives which inspire many of us to take out insurance for the first time or up the level of existing cover we have. Whether you’re starting a new job or buying a new home, getting married, divorced or having a baby, comprehensive cover can appear more appealing than ever before.