We are FCA Regulated and are full members of the NACFB.
Property Investment Finance
There are many more options other than standard Buy to Let (BTL) lenders.
Commercial lenders have a good appetite for residential property investors,
particularly those with portfolios.
These are typically standalone transaction’s and borrowing is based upon a
bricks and mortar valuation and rental income. Several different stress
techniques are used by various lenders, the key is having the knowledge
and the access to these bespoke lenders.
Solutions are available for those property investors who want to:
- Expand their portfolio
- Buy property quickly at auction
- Renovate existing property
- Utilise existing equity in their property
- Refinance onto a cheaper rate
- Exit from their existing lender
Investment Property Loan
An Unsecured Business Loan could be the quick solution
for your business needs.
Did you know?
40 year term available, Interest only available, 85% maximum Loan to Value,
No need for income proof,
Low Early Redemption Charges, 1st and 2nd charges, Rates from 2.35% (typical), Capital raising for any legal purpose.
Residential Development – Yorkshire
Residential Development – Total Loan £961k
The Situation: A property developer in Yorkshire was under pressure from a high street bank to
redeem a commercial loan he had taken out in order to develop over 40 residential units. After the
property market adjusted, our client was left with a number of properties within the development
company and a substantial seven figure sum outstanding.
The Solution: Commercial Expert Ltd worked with the client and the high street bank and created a
solution which involved negotiating a substantial ‘Debt Forgiveness’ with the bank. We arranged the
transfer of ownership of the properties from the client’s limited company into his own personal name.
Using the equity in the properties as a deposit and working with a quick bridging product meant that
the client was able to settle his bank debt and reduce his overall borrowing.