Acquisition Finance Explained

What Is Acquisition Finance? Acquisition finance is funding used to buy another business, part of a business, company shares, or business assets. It is often used where a buyer does not want to pay the full purchase price in cash, or where using all available cash would place too much pressure on working capital after… Read more
Bridging Loans for Listed Buildings

Can you get a bridging loan on a listed building? Yes, bridging finance can be used to buy, renovate, or refinance a listed building, particularly where a standard mortgage is not suitable at the outset. Listed buildings can be more complex because of consent requirements, specialist repairs, valuation concerns, and lender caution. A bridging loan… Read more
OpCo PropCo mortgages

OpCo PropCo mortgages Explained If your business owns or plans to buy a commercial property, you may have heard the term OpCo PropCo mentioned by an accountant, solicitor, or lender. In simple terms, an OpCo PropCo structure separates the trading business from the property it operates from. It is common in commercial mortgage lending and… Read more
Can I Get a Mortgage If I Have an IVA

Can I Get a Mortgage If I Have an IVA? It is possible to get a mortgage if you have an Individual Voluntary Arrangement (IVA), although your options are likely to be more limited than someone with a clean credit history. Many high street lenders will automatically decline applicants with an active or recently completed… Read more
Re-bridging To A New Bridging Loan

Should You Rebridge To A New Bridging Loan Or Refinance Another Way When you first took out your bridging loan, you probably had a clear plan. You expected to sell, refinance, or complete works within a set timeframe. Then life happened. A sale fell through, builders ran late, planning dragged on, or the mortgage you… Read more
UK Commercial Mortgage for Expats and Foreign Nationals

Commercial Mortgages for Expats & Overseas Buyers UK If you are living abroad or moving from overseas and want to invest in property, you may be wondering how to secure a commercial mortgage. For expats and foreign nationals, arranging this type of finance can be more complex than a standard mortgage. Lenders often see international… Read more
Case Study: Product Transfer for Rate Renewal

Summary We recently helped our customer arrange a product transfer on their home in Hook, Hampshire, as one part of their NatWest mortgage was approaching the end of its fixed rate and due for renewal. The mortgage was split into two parts with different fixed-rate expiry dates. The customer wanted to secure a new five-year… Read more
Secured Loans & Second Charge Mortgages

Secured Loans Advice for Homeowners If you’re looking to borrow a larger amount, spread repayments over time, or unlock equity in your property without disturbing your current mortgage, a secured loan could be an option, subject to professional advice. A secured loan, sometimes called a homeowner loan or second charge mortgage, lets you borrow money… Read more
Case Study: Farnham Remortgage After a Business Loss

Summary We recently helped our customers arrange a remortgage in Farnham to raise £175,000 from their residential property for a business purpose. Both customers were self-employed, and the money was being raised to buy out a business partner. The main challenge was that their business had made a loss in the previous year, so we… Read more
Chain Break Bridging Loan

How a chain break bridging loan can save your property purchase When you find the right home, you do not want a broken property chain to ruin everything. Yet buyers pull out, mortgage offers get delayed and sometimes people simply change their minds. This can cause the process to be very stressful. A chain break… Read more
SIPP & SSAS Commercial Mortgages

Using a SIPP or SSAS to Buy Commercial Property: Mortgage Options, Benefits & Rules Many business owners are surprised to learn that their pension can be used to buy commercial property. A Self-Invested Personal Pension (SIPP) or Small Self-Administered Scheme (SSAS) can purchase commercial premises directly, including properties occupied by your own business. Where pension… Read more
Case Study: Long-Term Mortgage Solution for First-Time Buyers

Summary We recently helped a young professional couple purchase their first home in Blackwater, near Camberley, Surrey. They were buying a flat for £230,000 with a £23,000 deposit and required a mortgage of £207,000. Both applicants were employed with a combined income of £90,000, but they were also both living in the UK on Tier… Read more

Category: Mortgages