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A selection of our completed deals

Commercial Mortgage

Date completed: 7th April 2021

Loan amount: £725,000

Location: Cheshire

Description:Our client wished to re-mortgage their successful children's day care nursery and desired a banking partner who had specialised knowledge of the sector to help support and achieve their growth plans. A lender was sought who demonstrated the industry knowledge and facilities were provided as required.

Commercial Mortgage

Date completed: 2nd April 2021

Loan amount: £386,250

Location: Cheshire

Description:Our client had successfully secured planning for the conversion from commercial to residential for the upper floors on a commercial high street property and subsequently split the title after completing the build works. We were able to secure a commercial mortgage with a challenger bank at 75% LTV on competitive terms with the borrowing entity being an LLP.

Commercial Mortgae

Date completed: 1st April 2021

Loan amount: £597,628

Location: Greater Manchester

Description:Our client approached us at they wanted to repay a bridging loan facility on 9 residential properties which they had recently purchased and refurbished for letting. We successfully raised capital to repay original loan whilst releasing additional capital for our clients to utilise towards future purchases.

Agricultural Finance

Date completed: 30th April 2021

Loan amount: £170,000

Location: Cumbria

Description:Our client was introduced to us by their IFA as they were looking to repay the existing borrowing on their farm and borrow additional funds to purchase some land. We were able to place the deal with High Street agricultural lender at 2.85% over base with the lender waiving all fees and even paying the valuation fee on the client's behalf.

Bridging Loan

Date completed: 9th April 2021

Loan amount: £142,000

Location: Hamilton, Scotland

Description:Our client approached us having being impressed with our LinkedIn profile as they had acquired a commercial unit at auction and needed to secure a bridging loan to complete the purchase. Their intention is to lease the property out to a hot food business with contracts already drawn up for the rental. As we were quickly able to source and secure a short term loan for our client, they have now applied for further lending on three other projects which are currently ongoing.

Commercial Mortgage

Date completed: 10th March 2021

Loan amount: £297,000

Location: Manchester

Description:Our client owned a 16 Bed HMO which we refinanced to raise capital for them to purchase further investment properties. The deal was refinanced with a challenger bank on a 25 year repayment, upon approval the valuation was instructed and satisfactory. Legal's instructed and completion followed a few weeks later and our client is happily looking at their next purchase for their portfolio.

Holiday Let

Date completed: 03rd March 2021

Loan amount: £450,000

Location: Kent

Description:Our client requested our assistance to raise funds in order to clear a very expensive business loan she had committed to. She owns a number of investment properties and so we simply raised the finance on a residential apartment she owned and rents out. This was a slick process, despite various challenges and due to the bank's willingness to support our client and the hard work of all concerned, this case completed in a timely manner allowing the client to redeem the existing loan and as a consequence reducing her monthly outgoings dramatically.

Residential BTL

Date completed: 19th March 2021

Loan amount: £210,000

Location: Liverpool

Description:Our clients were looking to capital raise against a flat above a Public House, which they had recently purchased and renovated for letting. The referral came in from a Mortgage Advisor who struggled with conventional BTL lenders given the locality above a pub. We managed to obtain a mortgage with an LTV of 75% and completed within 6 weeks.

Auction Finance

Date completed: 25th March 2021

Loan amount: £113,250

Location: Derby

Description:Our clients had successfully bid on a former HMO property in Derby at auction that they intended to convert to a 6 bed all ensuited property - three of which will include kitchenettes. They needed to complete within 28 days of the auction and we were able to secure a bridging loan with a challenger bank at 75% LTV (net) over an 18 month term with no exit or early repayment charges on very competitive terms. This also had the added benefit of switching to a mortgage term product upon completion of the build and allowing the borrowers to release all their money and additional equity as the valuer has already provided an end value (subject to the works completed as per the schedule provided).

Barn Conversion

Date completed: 15th March 2021

Loan amount: £175,000

Location: Shropshire

Description:Our farming clients wanted to acquire a part-converted barn to operate as a holiday let business. We were able to raise the full purchase price of the barn using the client’s farmland as security for the loan. The loan is for 3 years and includes an amount of interest roll up to give clients the opportunity to complete the refurbishment and remortgage the barn onto a holiday let mortgage.

Commercial Mortgage

Date completed: 18th February 2021

Loan amount: £127,600

Location: Southport

Description:We were introduced to a client who was looking to purchase a commercial property located in Southport who had already been to another broker and had been told the finance wasn't possible due to some recent credit file issues. We were able to source a lender from our panel who were able to take view of the client's minor credit file blemishes and support the deal.

Bridging Loan

Date completed: 09th February 2021

Loan amount: £62,250

Location: Salford

Description:Our clients needed to complete the purchase of a new build BTL property quickly following their BTL application falling through with their current advisor. We arranged a bridging loan facility that completed within 2 weeks, and are in the process of securing their BTL facility which has been agreed also and should complete within 6 weeks.

Property Investment Mortgage

Date completed: 26th February 2021

Loan amount: £130,000

Location: Glasgow

Description:Our clients, who are overseas nationals invest in property in the UK. They had purchased a property outright and completed a full refurbishment before approaching us. They wanted to raise capital on this property now that it was rented out. We arranged a mortgage for £130,000 and our clients will use these funds for their next property purchase.

Commercial Mortgage

Date completed: 15th February 2021

Loan amount: £150,000

Location: Manchester

Description:We assisted our client with the purchase of a Car Repair Garage & MOT testing station which he had been renting for his Car Wash business. A deal was agreed and our client was delighted to acquire the whole site.

BTL Mortgage

Date completed: 19th February 2021

Loan amount: £142,500

Location: Greater Manchester

Description:Our client was introduced to us by an asset finance broker as they were unable to assist with an application for a residential buy to let. The application was complicated by the purchase being in a company name and the client having no previous property experience however using our expert panel of lenders, we were able to secure a 75% mortgage on suitable terms for our client.

Commercial Mortgage

Date completed: 12th February 2021

Loan amount: £286,000

Location: Glasgow

Description:Our client was looking to expand their assets within the business and found the perfect property to rent out as residential premises. We were able to successfully secure a commercial mortgage within our clients timescales.

Bridging Loan

Date completed: 27th January 2021

Loan amount: £136,850

Location: Greater Manchester

Description:Our clients had completed the purchase of a former commercial property with the benefit of planning approval for a 10 bed HMO and was looking to release equity to be used for funding the conversion costs. We were able to secure a bridging loan at 70% Net LTV over an 18 month term with no exit or early repayment charges on very competitive terms.

Specialist BTL

Date completed: 8th January 2021

Loan amount: £225,500

Location: Derbyshire

Description:Our client had recently completed a new build development project consisting of 2 x semi-detached properties. We successfully raised 75% of the property value on completion, as our client decided to keep the properties as a long term investment, with the properties being let on a BTL basis to third party tenants.

Office Refinance

Date completed: 22nd January 2021

Loan amount: £647,500

Location: Essex

Description:Our clients run a successful business from their premises, which they had recently completed a substantial refurbishment on. Their existing bank was hesitant about reimbursing the capital our clients had invested but we were able to refinance them with a new bank to clear their existing mortgage and recoup the substantial personal funds they had used for the property improvements.

Bridging Loan

Date completed: 15th January 2021

Loan amount: £2,250,122

Location: North West

Description:Our client required funding to assist with the purchase of a former bank building, which they intend to gain planning permission for the leisure and tourism sector. The client required a lender who would lend against the property market value as opposed a vacant possession value therefore, maximising the amount of loan towards the purchase. A loan was secured to suit the client's needs and duly completed.

Portfolio Refinance

Date completed: 4th January 2021

Loan amount: £900,000

Location: Liverpool

Description:We were introduced to a client who needed to refinance a portfolio of BTL properties which were located in Liverpool. The client had already been to three brokers previously and had been told the refinance wasn't possible due to some recent credit file issues. We were able to source a lender from our panel who were able to take view of the client's minor credit file blemishes and support the deal to refinance the portfolio away from their current bridging loan provider.

Bridging Loan

Date completed: 29th January 2021

Loan amount: £1,300,000

Location: Nottinghamshire

Description:Our client contacted us the week prior to Christmas advising us that they had been let down by their previous broker and they needed a bridging loan to completed by end January. Working closely with our client and lender, we were able to collect all documentation and arrange a bridging loan within our clients timescales.

Buy to Let

Date completed: 03rd December 2020

Loan amount: £422,000

Location: Warrington

Description:Our client wanted to purchase properties back from an administrator after their previous lender had gone into administration. With their previous broker unable to source an appropriate solution, their accountant introduced the client to us. Using our extensive panel and wealth of knowledge in this area, we were able to source a lender who could see that the client’s situation was out of their control and we worked together to ensure the deal completed within our clients timescales.

Owner Occupied Commercial Mortgage

Date completed: 5th December 2020

Loan amount: £160,000

Location: Liverpool

Description:Our client was introduced to us after being declined by his own bank. He was looking for a 65% loan to value interest only mortgage to 'cash out' on a commercial yard in Liverpool. Having sourced an appropriate lender from our extensive panel, the deal was transacted in 8 weeks from start to finish, providing the client with funds to re-invest back into his business for a new project.

Commercial Mortgage

Date completed: 17th December 2020

Loan amount: £210,000

Location: West Lancashire

Description:Our clients had given notice on their existing premises earlier in the year and needed to vacate by the end of 2020. Having found a suitable property to relocate their business to, they then found the prospect of securing lending in the midst of Covid-19 very challenging. We were able to secure a commercial mortgage at 75% LTV and 3% over bank base with no early repayment charge and completed on the transaction within 8 weeks of application.

Commercial Mortgage

Date completed: 03rd December 2020

Loan amount: £262,500

Location: Lincolnshire

Description:Our clients have a real passion for animals, and have always wanted to run their own full time business. Having found a particular Kennels and Cattery business which they were keen on purchasing, they were unsure they could obtain the funding they required having being declined by their bank. After researching the whole market, we arranged a commercial mortgage with a 'Challenger Bank' at 70% LTV, despite the clients having no prior experience in this particular industry.

Commercial Mortgage

Date completed: 14th December 2020

Loan amount: £900,000

Location: Merseyside

Description:Our client is a charitable housing association. They required a commercial mortgage to re-finance their existing bank mortgage and arrange an additional mortgage to purchase a further property to be used both as office premises for the business as well as additional accommodation for their vulnerable tenants. Our client required specialist knowledge both from a broker and lender perspective and we were delighted to assist utilising to our wealth of knowledge and expertise in the sector.

Commercial Mortgage

Date completed: th December 202

Loan amount: £360,000

Location: Lancashire

Description:Our clients had been attempting to purchase a fishing lake for some time. The bespoke nature of the site prevented most banks from assisting however, we were able to secure the support from a specialist funder. They funder could see the potential in the site as our clients plan to develop lodges around the lake and create a main building with coffee shop and restaurant - so as well as day fishing, the site will become a 'venue' and long-term a potential holiday destination too.

CBILS Loan

Date completed: 20th November 2020

Loan amount: £250,000

Location: Preston

Description:Our client, who runs a construction company, has won a number of new large contracts recently and needed working capital to be able to fulfill them. We were able to source a lender who were able to support this well established company and provide a loan in the time needed to support our clients business growth.

Bridging Loan

Date completed: 27th November 2020

Loan amount: £100,125

Location: Clacton

Description:Our client was hoping to purchase a residential property at auction and required a bridging loan to complete the purchase within the auction house timescales. Having arranged approval of the finance prior to the auction, our client was able to bid with confidence. The valuation was quickly instructed along with legals and the deal completed within the 28 days required under auction conditions.

Commercial Mortgage

Date completed: 20th November 2020

Loan amount: £360,000

Location: Manchester

Description:Our client, who runs a wedding shop, needed to raise capital on their commercial premises to clear an existing loan. With the help of a bank dedicated to supporting SME's and some great work from the solicitors, we were able to facilitate and complete this transaction swiftly to enable our client to redeem their initial loan.

Development Loan

Date completed: 9th November 2020

Loan amount: £3,998,000

Location: North West

Description:Our client is a North West housebuilder who required a development loan for a 3 phase scheme. Working closely with our panel of lenders, we were able to assist our client with a loan for the build out of 81 units on a peak development debt basis.

Owner Occupied Commercial Premises

Date completed: 5th November 2020

Loan amount: £210,000

Location: Yorkshire

Description:Our client was introduced by an asset finance broker at the height of lockdown as they were unable to refinance a bridging loan. The bridging loan was required to support the client in purchasing commercial premises to trade their engineering business. We were able to source a lender who was happy to provide the loan at 70% loan to value.

Bridging Loan

Date completed: 17th November 2020

Loan amount: £678,400

Location: London

Description:Our clients had secured two auction properties during the "Covid" lockdown and with funds to complete tied up elsewhere, they required a bridging loan at 90% of purchase price to meet the auction completion deadline. The matter was not straight forward either as one of the properties was leasehold with a missing freeholder. However we managed to source a lender that was happy to structure the deal to overcome the hurdle which was ultimately secured by way of a 1st legal charge against the properties being purchased and a 2nd legal charge against the clients main residence at very competitive terms over 12 months with no early repayment charges.

CBILS Cash Flow Funding

Date completed: 13th October 2020

Loan amount: £194,000

Location: Shropshire

Description:Our clients business - like many others over recent months – has been effected by Covid-19 in terms of cash flow. With payment terms extended well beyond the usual 30 - 60 days that the business operated within, our clients were looking to secure a facility promptly to ease trading pressures. Having already approached their own bank to be told that due to the volume of enquiries it would likely be 4 - 6 weeks before their application under CBILS could be assessed, we were able to secure funds within 3 working days. These funds were then drawn down within 7 days of the original application on competitive terms.

Commercial Mortgage

Date completed: 1st October 2020

Loan amount: £1,710,000

Location: Liverpool

Description:We were approached by our client during the first lockdown who had agreed to purchase a portfolio of 32 buy to let properties on The Wirral with a value of £2.9m for £1.9m. Our client required a lender who could support the deal and lend against the value of the portfolio rather than the purchase price as the client required the highest loan amount possible. We were able to source a lender from our extensive panel who were happy to offer the client a loan of 90% against the purchase price as they was still within their normal loan to value parameters.

Commercial Mortgage

Date completed: 1st October 2020

Loan amount: £379,236

Location: Manchester

Description:Our client agreed to purchase a commercial investment property to add to their growing portfolio of commercial properties. A deal was agreed quickly and valuations instructed and our client is now actively looking for the next addition to their portfolio.

Property Development

Date completed: 23rd October 2020

Loan amount: £806,000

Location: Liverpool

Description:Our client was acquiring a site for the development of flats with a pre-sale to a Housing Association agreed. The client required a facility which would fund 100% of the development costs on a drawdown basis and had acquired the site using the exchange proceeds from the Housing Association - hence loan to cost was too high for many funders to assist. A lender was sourced who would support the proposal to meet the client requirements.

Company Acquisition

Date completed: 02nd October 2020

Loan amount: £828,000

Location: Cheshire

Description:Our client was looking to buy out her business partner in a dental practice, at the same time re-mortgaging her existing commercial loan onto a better deal. We managed to raise an Unsecured Business Loan of £828,000, against an LTV of 70% against the goodwill only.

Property Investment

Date completed: 30th October 2020

Loan amount: £2,500,000

Location: Midlands

Description:Our longstanding client was looking for finance to purchase a freehold block of residential flats in the Midlands. Rather than investing any of their own funds into the purchase, they offered a portfolio of unencumbered residential properties as additional security and borrowed 100% of the purchase price. The transaction completed in 8 weeks from initial enquiry.

Holiday Let Finance

Date completed: 29th October 2020

Loan amount: £560,000

Location: Scotland

Description:Our client, who is an experienced Holiday Let operator, wanted to purchase a large residential property with a coffee shop attached. This is an extension of his portfolio and offers him the opportunity to capitalise on income from the house as well as the business, which is extremely popular due to its rural location. He had negotiated a price subject to a very stringent timescale and we were able to achieve this with the help of the lender, who was extremely helpful and supportive.

Commercial Mortgage

Date completed: 30th September 2020

Loan amount: £155,000

Location: Accrington

Description:Our client was on a bridging loan for a property that they purchased at auction that had been converted to 5 flats without planning permission. We arranged a remortgage with one of our panel lenders based on the value of the property in it’s current state and as a single dwelling. The remortgage was sufficient repay the bridging lender and ensure our client didn’t have to resell the property.

Heavy Refurbishment Loan

Date completed: 16th September 2020

Loan amount: £166,900

Location: Lancaster

Description:Our client purchased a residential property for £155k in poor condition. They required finance to assist with both the purchase and the £50,000 renovation costs to convert it into a 5 bed HMO. We successfully arranged a refurbishment loan of £116,250 towards the purchase, plus 100% of the refurbishment costs with interest to be rolled up and paid on completion.

Residential Bridging Loan

Date completed: 28th September 2020

Loan amount: £101,500

Location: Birmingham

Description:Our client was introduced to us by his residential mortgage broker who had placed the client with a residential buy to let lender. Unfortunately this lender pulled out due to concerns about the condition of the property. We were able to place the deal on a bridge to term product where the property is bridged whilst refurbishment work is undertaken. Once completed, it will then be transferred to a long term mortgage with the same lender.

Developer 'Exit' Finance

Date completed: 25th September 2020

Loan amount: £1,350,000

Location: Cheshire

Description:Our clients are builders and property developers and recently completed the construction of two luxury homes. They required finance on a short-term basis to repay their development funder who had supported them with the project and intend to repay this new loan when they sell the properties. We arranged one new loan which enabled them to clear their existing facility but also raised additional capital for them which they will utilise towards their next project.

Commercial Mortgage

Date completed: 1st September 2020

Loan amount: £522,500

Location: Cheshire

Description:Our client was purchasing their first commercial investment property. Whilst they were experienced in the property sector, they had no previous history of owning investment properties. A loan was sought and obtained at 55% LTV to acquire a commercial property on a sale and leaseback to the property owner, with a 5-year lease but with a 9-month break clause. Whilst the break clause was a short term, the clients experience and property location satisfied the lender sufficiently to offer support.

Bridging Finance

Date completed: 17th August 2020

Loan amount: £250,000

Location: Southport

Description:We were approached by a client who agreed to purchase a commercial property at auction. Their finance had fallen through at the 11th hour while they had also just been served notice to complete within 10 working days of the purchase or risk losing their substantial deposit. We were able to source a lender who acted quickly and used the existing valuation to save time and costs to the client. We successfully completed the transaction within 9 working days.

Commercial Mortgage

Date completed: 20th August 2020

Loan amount: £72,000

Location: Burnley

Description:Our client was given the opportunity to purchase the trading premises that they were currently renting. We presented the deal to a number of lenders and quickly obtained an offer of funding with the valuation and legals instructed swiftly.

Bridging Loan

Date completed: 27th August 2020

Loan amount: £1,326,000

Location: Liverpool

Description:Our client is an experienced property investor who had agreed to purchase a vacant office / leisure building in Liverpool. They have future plans for the property by way of conversion / development and required a bridging loan to assist with the initial purchase. A lender was sought who would support based upon the asset type especially during Covid-19 and supportive with serviceability demonstrated from alternative income streams.

Commercial Mortgage

Date completed: 12th August 2020

Loan amount: £168,000

Location: Blackpool

Description:Our client had completed just one years trading as a new Ltd company and had the opportunity to purchase new premises for their business. They had demonstrated small profits in the first year and provided robust projections to demonstrate how the company would grow in the next 2 years. We successfully secured a mortgage agreed at 70% LTV for client to purchase their new premises for their business with residential accommodation above that may be let out to provide additional income.

Commercial Bridging Loan

Date completed: 20th August 2020

Loan amount: £199,750

Location: Skegness

Description:Our client was in need of a quick purchase for a Hotel / B&B in the tourist resort of Skegness. The vendor had unfortunately taken ill and had reduced the asking price in return for a quick sale. Having had his offer accepted, our client had a month to complete on the sale. We were able to arrange a bridging loan to complete the purchase within the timescales required whilst also ensuring that we could secure a longer-term mortgage to exit the bridging loan. The commercial mortgage was agreed at the same time and should complete within a month of the bridging loan.

CBILS Loan

Date completed: 25th August 2020

Loan amount: £225,000

Location: Greater Manchester

Description:Our client runs a leisure centre and sports club and was introduced to us as their high street bank had declined their CBILS application. Following a review of their business, we were able to place them with a specialist unsecured lender who approved their CBILS loan at competitive rates.

Commercial Mortgage

Date completed: 17th July 2020

Loan amount: £185,000

Location: Exeter

Description:Our client was looking to raise finance against a piece of agricultural land to enable them to open a new cafe/restaurant business. Having been declined by their bank, our client approached us to see how we could help. We were able to secure an appropriate deal for our client, which was initially approved pre lockdown, and due to complete just lockdown was announced. Unfortunately the lender paused lending due to this which meant that the deal had to be put on hold. We remained in touch with our client throughout giving them regular updates and supporting them through this tough period while engaging with the lender to confirm any additional requirements in order to complete the deal. We successfully completed approximately 2 weeks following lockdown being eased in the sector which allowed our client to continue their business plans.

Property Investment

Date completed: 17th July 2020

Loan amount: £200,000

Location: Cheshire

Description:Our clients are experienced property investors and had purchased a semi-commercial property which was in a state of disrepair. Having completely refurbished the building by funding the purchase and works costs privately, they contacted us to help them refinance the property on a long-term mortgage to raise capital towards their next purchase.

Commercial Mortgage

Date completed: 10th July 2020

Loan amount: £170,000

Location: Lancashire

Description:Our client owns two Public Houses which are let our to 3rd party tenants. As their existing lender wanted repayment of their facility in full, they approached us to see how we could assist. We successfully secured a loan with the valuation and legals instructed in quick succession and completing within our clients timescales.

Bridging Loan

Date completed: 10th July 2020

Loan amount: £105,000

Location: Crewe

Description:Our client is a new property investor who had just completed their first purchase and refurbishment. Having seen a second property they wanted to purchase at auction and using their existing property and the new property as security – we successfully arranged 100% finance for the new purchase plus funds to refurbish the new property. This loan was arranged despite our clients having only 3 months property development experience.

Commercial Mortgage

Date completed: 9th July 2020

Loan amount: £150,000

Location: North Wales

Description:We recently completed on a commercial mortgage on a Guest House in North Wales where our client was looking to capital raise to buy out his business partner. Despite the impact of lockdown imposed by COVID-19, we managed to complete on this facility at 60% LTV as originally agreed and within our clients timescales.

Development Finance

Date completed: 2nd June 2020

Loan amount: £1,848,000

Location: North London

Description:Our client is an experienced developer and required a facility to repay a high street bank and provide 100% development finance for 8 apartments. Despite the Covid-19 outbreak occurring during the lending process, we worked closely with the lender and the client to ensure the facility requirements were delivered and the deadline met.

Bridging Loan

Date completed: 12th June 2020

Loan amount: £600,000

Location: Liverpool

Description:Our clients had agreed to purchase a parade of commercial shops along with associated land and needed to act quickly to secure the purchase. We quickly arranged a suitable lender who approved the deal with legals instructed immediately to avoid delays. Upon valuation, the loan was approved by the lender who then released funds upon completion.

BTL Portfolio Mortgage

Date completed: 19th June 2020

Loan amount: £340,200

Location: Lancashire

Description:An existing client of ours was offered the opportunity to purchase a portfolio of nine tenanted properties from a retiring landlord and managed to negotiate a block discount of 20%. This discount however resulted in the individual property prices being around £50,000 - which for many lenders was below their minimum property value. We were able to secure funding at 75% LTV on a single loan facility with a challenger bank on competitive terms with the benefit of a 5 year fixed rate product. Our client has since been offered other properties by the agents that marketed the portfolio and is looking to continue to build his portfolio.

Commercial Mortgage

Date completed: 15th June 2020

Loan amount: £175,000

Location: North Wales

Description:Our client was renting a B&B and Coffee Shop in North Wales for 3 years and was given the opportunity to purchase the building. Despite the impact of lockdown with the COVID-19 outbreak mid-way through the application process, we were able to successfully complete on a commercial mortgage at 60% LTV.

Property Investment

Date completed: 11th June 2020

Loan amount: £157,500

Location: Liverpool

Description:Our client had purchased a residential property using short-term bridging finance. They had converted this into a 6-person HMO in readiness to rent to the student market at the beginning of the next term. We successfully provided a long-term mortgage, which enabled him to clear their existing loan and raise some additional funds to invest in their next purchase.

Development Finance

Date completed: 12th June 2020

Loan amount: £113,500

Location: Staffordshire

Description:Our client required a development finance facility to complete the construction of 3 x new build flats in Staffordshire. Having been let down by their lender during the coronavirus pandemic, we were able to assist them by sourcing a new lender who completed on the loan using existing valuations and within the timescales required by our client.

Commercial Mortgage

Date completed: 20th June 2020

Loan amount: £465,000

Location: Wolverhampton

Description:Our client is a steel fabricator wanted to purchased a new premises to continue to grow their business. Having been declined by their existing lender, they were introduced to us by their residential mortgage broker to see if we could support their plans. While we were able to secure 75% of the value of the property to be purchased, we are now in discussions with the client and their new bank to further support their growth via a new invoice finance facility.

CBILS

Date completed: 14th June 2020

Loan amount: £100,000

Location: North West

Description:Our client approached us as they required a loan to invest funds into their business so they could continue to work on new projects during lockdown. They had a poor relationship with their high street lender and asked us to manage their application and obtain funding on their behalf. We supported them with their loan request, which successfully completed – allowing them to continue trading and secure new contracts in difficult times.

Bridging Loan

Date completed: 20th February 2020

Loan amount: £490,000

Location: Manchester

Description:Our client owned some land that they had sold to a supermarket chain. They also had other opportunities they wished to pursue so we provided a bridging loan for them to release the equity pending sale to enable them to secure another project. Land was valued with solicitors instructed quickly and completion followed shortly afterwards.

Bridging Loan - SSAS

Date completed: 14th February 2020

Loan amount: £130,000

Location: Manchester

Description:Our clients approached us wanting to utilise their SSAS Pension Fund to purchase a commercial property however the property was in a derelict / unmortgageable condition. We were able to provide a bridging loan facility to assist with the purchase, whilst ensuring that we have the exit strategy to convert to a long term mortgage on completion of the redevelopment works.

BTL Mortgage

Date completed: 14th February 2020

Loan amount: £216,950

Location: Kent

Description:Our client approached us as he was going through a divorce and needed to buy out his ex-wife from an investment property they owned jointly. Our client was also in a debt management plan meaning conventional lenders were unable to support his application. We were able to source a lender who was able to understand and sympathise with our client's situation and support the client to be able to fulfil the client's requirements.

Commercial Mortgage

Date completed: 13th February 2020

Loan amount: £224,015

Location: Cheshire

Description:Our clients wanted to release equity for other investment opportunities and at the same time switch to an interest only product. We were able to secure funding on competitive terms with the clients opting for a 10 year fixed rate.

Commercial Mortgage

Date completed: 3rd February 2020

Loan amount: £806,000

Location: Cheshire

Description:Watts Commercial Finance had assisted a client with a 2nd charge bridging loan to invest into their trading business at the end of 2019. A commercial mortgage was also arranged as a follow up action to consolidate the existing commercial mortgage and the bridging loan onto a new commercial mortgage thus ensuring the client was borrowing on an expensive bridging loan for the shortest time possible.

Commercial Mortgage (Semi-Commercial)

Date completed: 20th January 2020

Loan amount: £315,000

Location: Warwickshire

Description:Our clients had the opportunity to purchase their business premises and adjoining residential investment property from their landlord. Whilst they were able to raise a 40% deposit the deal didn't fit credit policy criteria for the high street banks - given part owner occupied and part investment. We were able to place the deal with an alternative lender who were able to adopt a different approach taking into account the fair market rent for the residential property at competitive terms for our clients.

Development Finance

Date completed: 30th January 2020

Loan amount: £1,350,000.00

Location: Liverpool

Description:We assisted a longstanding client with a development loan for the conversion of a building into 14 Apartments. Funding was arranged with a lender without the need for a valuation, as their in-house team were able to appraise the site. Upon confirmation from the lender they were happy to proceed to legals which were instructed immediately with completion following shortly after.

Property Investment Mortgage (HMO)

Date completed: 17th January 2020

Loan amount: £175,000

Location: Liverpool

Description:Our clients had purchased a residential property in Liverpool and converted it from a three bedroomed family home to a 5 bedroomed House in Multiple Occupation which they had funded with their own funds. Once the property was tenanted, we arranged a property investment mortgage which allowed our clients to invest in their next project.

Unsecured Business Loan

Date completed: 17th January 2020

Loan amount: £250,000

Location: Manchester

Description:Our client approached us as they wanted to expand their online product range and needed to fund a significant investment in stock as buying in bulk enables them to get significant discounts on products. We successfully raised the company an unsecured loan of £250,000 within 2 days of the application being made.

Commercial BTL Mortgage

Date completed: 14th January 2020

Loan amount: £220,000

Location: West Lancs

Description:Our client approached us initially after being unhappy with the service they had received from another broker. They required a bridging loan in order to convert some former farm buildings into bungalows and we quickly arranged a loan which enabled them to carry out the works they required. Following completion of the project, we sourced the client a commercial BTL mortgage to refinance the bridging loan now that the properties have been tenanted.

Commercial Mortgage

Date completed: 7th January 2020

Loan amount: £100,000

Location: Nuneaton

Description:Our clients were introduced to us by a business sales agent. They were looking to sell the social club that they are involved in as they were unable to fund works that the property required and their own bank were unable to support. We were able to arrange a £100,000 mortgage over a 10-year term to fund the improvements and allow the social club to continue using their property.

Commercial Mortgage

Date completed: 16th December 2019

Loan amount: £656,500

Location: Lancashire

Description:Our client approached us to assist with the purchase of a former care home. They wanted to purchase and then apply for a change of planning use – for future development as residential use. A loan was provided for a period of 18-months to assist with the purchase and allow sufficient time for the client to apply for planning, whereupon, further facilities will be applied for to assist with the development.

Commercial Mortgage

Date completed: 23rd December 2019

Loan amount: £550,000

Location: Liverpool

Description:Our client approached us initially after being unhappy with the service they had received from another broker and required a development loan to renovate a new trading site that they had purchased which was derelict. We successfully provided them with a loan, which enabled them to carry out the works they required in order to complete the project. We have since sourced the client a commercial mortgage with a high street lender to refinance the bridging loan they used to purchase the site and the loan they used to complete the project

Development Loan

Date completed: 20th December 2019

Loan amount: £131,500

Location: Cheshire

Description:Our client agreed to buy an end-terrace property with planning permission to extend and convert to a HMO using a newly formed Limited Company (SPV). Our client did not have sufficient funds to buy the property and complete the proposed £100,000 of works required, so we arranged to lend the full build costs plus a portion of the purchase price to make up the shortfall in his funds.

Commercial Mortgage

Date completed: 23rd December 2019

Loan amount: £185,500

Location: Leeds

Description:Our client had a large property portfolio and was looking to raise capital on a residential asset which was free from mortgage to enable them to carry out a refurbishment program to a number of properties across the portfolio. We had a deal approved and valuation instructed quickly with funds being released prior to Christmas. Our client can now start the refurbishment as planned in the coming months.

Commercial Mortgage

Date completed: 20th December 2019

Loan amount: £210,000

Location: Birmingham

Description:Our client had purchased and refurbished a commercial property on a High Street in Birmingham and then let the property to a newly formed business. We successfully raised a commercial mortgage at 60% against the increased valuation following the refurbishment works.

Residential HMO Mortgage

Date completed: 20th December 2019

Loan amount: £410,000

Location: Manchester

Description:Our client had previously used another broker to source development finance for the purchase of a commercial unit that was to be converted to a residential HMO in Manchester. Unhappy with the service received from their previous broker they were introduced to us. We completed on a 75% LTV 10 year interest only mortgage with a challenger bank in less than 8 weeks with the client saying that "It's the quickest mortgage that they have had".

Commercial Mortgage

Date completed: 13th December 2019

Loan amount: £100,000

Location: Manchester

Description:Our client required assistance with cash flow in order to fund a business opportunity - the overriding brief was speed. They had experienced a slight issue in the past, which meant that their credit file was not perfect. As they had sufficient equity in their commercial property, we were able to arrange a second charge loan swiftly with a specialist lender and the loan completed within weeks enabling our client to take advantage of the new venture which they had been presented with.

Unsecured Business Loan

Date completed: 3rd December 2019

Loan amount: £150,000

Location: Cheshire

Description:Our clients were looking for a quick influx of cash in order to complete a number of projects. Based on the strength of their accounts, we were able to secure the £150,000 required over a 60-month term. Within in a matter of days from initial application, the funds were deposited in the clients account.

Commercial Mortgage

Date completed: 6th December 2019

Loan amount: £367,000

Location: Bolton

Description:Our client has an extensive commercial investment portfolio that has been built through cash purchases. They were looking to capital raise on an existing property - which was tenanted by a blue chip company - and use this cash to purchase their next investment however, their existing bank could not offer the terms they required. At a LTV of 60%, we were able to complete at an interest rate of 3.35% fixed on an interest only basis. With the cash now in the bank, our client now has the opportunity to move quickly on their next opportunity.

VAT Bridging Loan

Date completed: 16th December 2019

Loan amount: £520,000

Location: West London

Description:Our client was purchasing 4 properties in West London and one of them had VAT of £520,000 due on completion. Our client required funding on 100% of the VAT within 5 working days. We arranged 100% of the funding at a very competitive rate and completed for the client within the given timeframe.

BTL Portfolio Mortgage

Date completed: 20th November 2019

Loan amount: £522,000

Location: North Manchester

Description:Our client owned several unencumbered properties and wanted to release up to 75% of their value to build up his portfolio of residential investment properties. We were able to secure funds at a competitive rate for our client and completed within their timescales.

Commercial Mortgage

Date completed: 8th November 2019

Loan amount: £455,000

Location: Staffordshire

Description:Our clients required a commercial mortgage in order to repay development funding that we had previously secured on a former farm and outbuildings. Our clients had subsequently secured planning for change of use to a wedding venue facility. The high street bank we approached agreed to lend 70% of the vacant possession bricks & mortar value over a 20 yr term with a 5 yr fixed rate based on forward bookings and projections.

Unsecured Business Loan

Date completed: 7th November 2019

Loan amount: £14,000

Location: North Wales

Description:Our client owned a gym and wanted to install a dedicated circuit area with specialist kit - for classe. We were able to secure an unsecured loan facility for our client quickly so that he could install the kit in the area and begin the classes swiftly.

HMO Remortgage

Date completed: 29th November 2019

Loan amount: £129,000

Location: Stoke-on-Trent

Description:Our client owned two unencumbered HMO's and wanted to release 75% of the value of the properties to allow them to invest the funds to purchase further investment property. We were able to secure the funds at a competitive rate for our client and completed within their timescales.

Commercial Mortgage

Date completed: 22nd November 2019

Loan amount: £477,000

Location: Birmingham

Description:We were approached by our client to refinance the commercial premises that they were trading from. Their existing lenders were not willing to support the deal so we went out to market and secured funding for the funding our client required – completing the deal within 6 weeks.

Bridging Loan

Date completed: 22nd November 2019

Loan amount: £107,250

Location: Manchester

Description:Our client agreed to buy a residential property at auction with the intention of refurbishing and then letting out on a long-term basis upon completion of required works. Our client had 28 days to complete the purchase and we managed to arrange a bridging loan without the need for a valuation, which sped up the process significantly and saved on cost. We successfully raised 75% of the purchase price and completed comfortably before the end of the 28-day deadline.

Commercial Mortgage

Date completed: 20th November 2019

Loan amount: £500,000

Location: North-West

Description:We were approached by our client to assist in the re-finance of their banking and benefit from the incentives available in their new banks switcher scheme. The clients wanted advice on the options available to them and assistance with the delivery of the process.

Unsecured Business Loan

Date completed: 19th November 2019

Loan amount: £100,000

Location: North Wales

Description:Our client required a loan to support a new council contract they had won. The client had a tight timeframe due to the contact commencing at the beginning of December. We were able to source a suitable lender who were able to support our client's requirements and completed on the loan within 5 days of application.

Residential Investment Mortgage

Date completed: 15th November 2019

Loan amount: £175,000

Location: St Helens

Description:Our client, an experienced property investor had bought a commercial property that he then converted into a House in Multiple Occupation. He funded the initial purchase with private finance and then required a mortgage once the refurbishment was complete - with tenants ready to move in. We arranged a mortgage with a challenger bank at 75% of the value, which repaid the initial funds he had invested and also gave him an amount towards his next project.

Commercial Mortgage

Date completed: 5th November 2019

Loan amount: £315,000

Location: Liverpool

Description:Our client completed just one year’s trading as a new LTD company. They had demonstrated small profits in the first year and provided robust projections to determine how the company would grow in the next 2 years. We successfully arranged a mortgage at 75% LTV for our client to purchase new premises for their business with residential accommodation above that may be let out to produce additional income.

Commercial Mortgage

Date completed: 4th October 2019

Loan amount: £257,550

Location: Manchester

Description:Our clients had purchased a number of properties and had carried out a refurbishment on each one enhancing the value. Once the properties were completely refurbished, we successfully refinanced them to enabled our client to commence works on their next batch of properties.

Property Investment Mortgage

Date completed: 31st October 2019

Loan amount: £350,000

Location: Huddersfield

Description:Our client had completed a development of 6 mews properties and wanted a developer exit bridging loan to repay a private investor and release additional capital towards another development scheme. A loan was provided swiftly and prior to Practical Completion Certificates being issued to allow matters to conclude quicker than first envisaged. Upon receipt of the Practical Completion Certificates, the lender has agreed to release an additional sum.

Bridging Finance

Date completed: 31st October 2019

Loan amount: £115,000

Location: West Midlands

Description:Our client had exchanged contracts at auction to purchase some offices for their business and approached us to arrange finance to complete the loan. With 15 days in which to complete the purchase, we successfully arranged a bridging loan to ensure the client didn’t lose the property.

Commercial Mortgage & Trade Finance

Date completed: 4th October 2019

Loan amount: £4,550,000

Location: Widnes

Description:Our client was refused a commercial mortgage by their own High Street lender due to the lack of a cash deposit. We were able to raise 100% of the purchase price (£3.2m) utilising a capital raise against their existing commercial premises providing a total LTV of 83%. We also switched across their Trade Finance facility to a cheaper and more flexible deal, increasing their limit to £750,000, whilst also arranging a £600,000 VAT Bridging Loan for the VAT element of their purchase.

Property Investment Mortgage

Date completed: 11th October 2019

Loan amount: £100,000

Location: Manchester

Description:Our client runs a successful property business and now purchases residential houses for conversion to accommodate tenants who are being housed by Local Authorities or Housing Associations. Our client purchased this latest property with their own funds and also funded the refurbishment. Once the property was complete and ready to be tenanted, we arranged a mortgage based on the post-refurbishment value so our client can utilise these funds on their next project and simply repeat the process.

Commercial Mortgage - Split SIPP

Date completed: 17th September 2019

Loan amount: £262,250

Location: Derbyshire

Description:Our client wanted to utilise their Self-Invested Private Pension (SIPP) in the purchase of a new industrial unit for their main trading business. As they did not have sufficient funds in the SIPP to purchase the industrial unit outright, we completed a Split-SIPP facility, where effectively half of the building was bought by the SIPP (with the aid of a Commercial Mortgage for 50% of the SIPP value), and the remaining half of the building was purchased by the clients main trading company (using a 75% LTV commercial mortgage).

Commercial Mortgage

Date completed: 20th September 2019

Loan amount: £575,000

Location: Scotland

Description:Our client runs a successful business from a large commercial property, where they also rent units to other businesses. The existing lender no longer had an appetite for the properly sector and my client therefore required a refinance to clear their existing commercial mortgage. We arranged funding with a specialist lender who offered the full amount required.

Commercial Mortgage

Date completed: 25th September 2019

Loan amount: £1,050,000

Location: Yorkshire

Description:Our client needed funding to inject into the start-up costs for a new veterinary business and had a strong track record in the sector. A loan was secured with a lender on a long-term repayment of 30-years to support initial cashflow.

Commercial Mortgage

Date completed: 27th September 2019

Loan amount: £199,000

Location: Shropshire

Description:Our client was introduced to us by a residential mortgage broker who was unable to place the deal. The client was looking to purchase an existing business but had no deposit. We were able to raise 65% of the purchase price against the business being purchased and the deposit was raised by borrowing against the clients home with the same lender

BTL Mortgage

Date completed: 3rd September 2019

Loan amount: £142,500

Location: Stoke on Trent

Description:Our clients business model is to acquire tired property either via private sale or at auction and complete a full refurbishment with a typical budget of £25 - 35k and typically within a 16 week timescale. Upon completion, our client then seeks to refinance based on the increased value of the property, we have been able to match his requirements with a lender that understands his business model and are happy to release increased equity created from the works done effectively.

Unsecured Business Loan

Date completed: 16th September 2019

Loan amount: £100,000

Location: Manchester

Description:We successfully secured our client a £100k unsecured business loan to repay a vendor loan taken out when our client purchased their business a couple of years ago. The funds were approved within 48 hours and released into our clients account within a few days.

Unsecured Business Loan

Date completed: 29th August 2019

Loan amount: £35,000

Location: Manchester

Description:Our client approached us to assist them in securing funding to support their business growth plans including hiring additional staff and exploring additional marketing opportunities. As the business had been trading for more than two years, we were able to source them an unsecured business loan over 5 years to support the continued growth of their business. The loan was drawn down within 7 days from when the client approached us.

Commercial Mortgage

Date completed: 23rd August 2019

Loan amount: £130,000

Location: Staffordshire

Description:Our client runs a successful motor vehicle repair business and has rented their business premises for a number of years. Their landlord recently offered our client the opportunity to purchase the premises at an agreed price of £220,000. While our client had a substantial mortgage, we were able to source a High Street lender who offered competitive terms on the balance required to complete the purchase.

Development Loan

Date completed: 23rd August 2019

Loan amount: £358,200

Location: Lancashire

Description:Our client is an experience property investor however wanted to undertake their first development project. We successfully sought a lender who would support a first time developer whilst also providing our client with suitable advice and assistance during the project. A loan therefore was provided to assist with the initial property purchase and 100% of the development costs including interest roll up and fees added to assist cashflow.

Development Finance

Date completed: 2nd August 2019

Loan amount: £280,000

Location: Norwich

Description:Our client was half-way through the development of a residential property to sell and required additional funds to complete the project. We successfully arranged for the additional finance that our client required to keep the remainder of the build on schedule.

Bridging Finance

Date completed: 16th August 2019

Loan amount: £345,000

Location: Leeds

Description:Our client needed to quickly secure a development site with outline planning in a sought after rural location. We were able to secure competitive terms with interest rolled up over 12 months and no exit fee - allowing our client to successfully complete the purchase in a short timescale.

Commercial Mortgage

Date completed: 16th August 2019

Loan amount: £260,000

Location: Loughborough

Description:Our client was introduced to us by their lender who were unable to assist them to complete the purchase of a plot of land on which contracts had already been exchanged. Our client had built a house on the land and wanted to raise funds to reimburse their build costs and complete the purchase of the land. We successfully sourced a lender who was able to provide £100,000 to complete the purchase along with an additional £160,000 to reimburse our clients build costs.

Unsecured Business Loan

Date completed: 20th August 2019

Loan amount: £240,000

Location: Warwickshire

Description:Our clients were introduced by an existing customer and have a care home business in the Midlands. While they already had an unsecured business loan of £140,000, they were looking for an additional £100,000 to aide cash flow. We were able to restructure their existing loan alongside their new loan into one facility - reducing the annual interest rate. This facility was completed and paid out within 7 days of us meeting the client.

Commercial Mortgage

Date completed: 30th August 2019

Loan amount: £105,000

Location: North West

Description:We were approached by our client who had agreed an option to purchase on their trading premises two years prior. Their existing bank would only lend on the purchase price rather than the properties current market value. We sourced a lender who was willing to lend against the current market value - taking into consideration the investment our client had put into the property to make improvements.

Commercial Mortgage

Date completed: 12th August 2019

Loan amount: £105,000

Location: Blackpool

Description:Our client had completed just one years' trading as a new Ltd company and had demonstrated small profits while providing robust projections to demonstrate how the business would grow over the next two years. From this, we were able to secure them a mortgage and an agreed 75% LTV to purchase new premises for the business with residential accommodation above to be let out for additional income.

Developer 'exit' Finance

Date completed: 26th July 2019

Loan amount: £700,000

Location: Cheshire

Description:Our client, a professional property developer had completed the development of a luxury residential property and needed time to market and sell. His initial development funder required the funds for the initial loan to be repaid and we successfully arranged funding with a specialist lender who provided a suitable loan to redeem the original facility and give him time to sell his luxury property and achieve the best price.

Commercial Mortgage

Date completed: 22nd July 2019

Loan amount: £356,250

Location: Shropshire

Description:Our client was introduced to us by their bank manager as they were unable to support their lending requirements. The client had self-funded a development of 8 residential new build properties and required a developers exit loan to fund the purchase of land to start their next development whilst the 8 residential properties were still being marketed. We sourced a lender who was able to roll the interest up whilst their properties were being marketed which reduced their monthly commitments while easing their cash flow.

Commercial Mortgage

Date completed: 22nd July 2019

Loan amount: £189,000

Location: Cheshire

Description:Our client had a number of properties and wanted to secure an overdraft facility with their existing lender. Their lender did not wish to renew their overdraft agreement and wanted repayment of their existing lending. We successfully refinanced our clients’ property portfolio - securing the facility to enable full repayment to their existing lender while raising extra funds for working capital.

Commercial Mortgage

Date completed: 10th July 2019

Loan amount: £135,000

Location: North Wales

Description:Our client is a restaurant owner who had been trading for 2 years and had the option to buy his commercial premises at a pre-agreed price. Since leasing the property, he had spent approximately £50k on refurbishments. Due to several delays with the refurbishment, he only had 2 months left to take advantage of the pre-agreed price that was significantly below market value. We were able to source a commercial mortgage from a high street lender at a very competitive interest rate and ensured that the bank, valuer and solicitors all acted as quickly as possible to deliver the mortgage by the due date.

Acquisition Funding

Date completed: 1st July 2019

Loan amount: £925,000

Location: Wirral

Description:Our client was an Associate of a Dental Practice and was given the opportunity to purchase the business for £1,000,000. This included £300,000 of the property value with the remainder gifted as goodwill. We successfully secured a loan facility of 92.5% LTV at a rate of under 2% pa

Commercial Mortgage

Date completed: 28th June 2019

Loan amount: £168,000

Location: North Wales

Description:Our client required a commercial mortgage to prevent his restaurant from being repossessed by their existing lender. They had already repaid £300,000 from the sale of other properties but did not wish to sell their restaurant to repay the final amount as they wanted to carry on trading. Our client had been declined by other high street banks due to the position he was in with his existing lender. However, we were able to successfully source a specialist lender to provide the required funding and prevent the repossession within a tight timescale.

Business Refinance

Date completed: 11th June 2019

Loan amount: £1,000,000

Location: Scotland

Description:Our client, who owns various business premises had multiple loans with different funders. He was paying expensive rates and wanted to consolidate these debts onto one, manageable loan. We successfully refinanced the existing loans onto one mortgage with a specialisit lender using our clients main commercial premises as security. This considerably reduced our client's monthly outgoings and made their life easier by not having to juggle commitments with multiple lenders.

Commercial Mortgage

Date completed: 19th June 2019

Loan amount: £1,773,750

Location: Staffordshire

Description:Our client was looking to refinance an existing facility to provide cashflow funding for other projects whilst at the same time releasing additional equity in their security property. This property consisted of 24 apartments on a freehold title in a block of 26. We were able to secure competitive terms over 25 yrs with an initial 5 yr fixed rate period.

Unsecured Business Loan

Date completed: 1st June 2019

Loan amount: £250,000

Location: Scotland

Description:Our client required an urgent unsecured business loan to assist with a VAT payment. A loan was sourced and approved at a competitive interest rate and drawn within a matter of days to allow the payment to be made. The business is a long-established and successful business but had a short-term cashflow requirement which we were able to assist with.

Commercial Mortgage

Date completed: 30th June 2019

Loan amount: £375,000

Location: Manchester

Description:Our client was introduced to us by a residential mortgage broker and had previously had a poor experience with another broker. They required exit finance for £375,000 to repay a development facility that was used to refurbish 4 x commercial units in Manchester. We successfully sourced a lender who was able to tailor a deal to suit our clients’ needs – including the loan amount changing three times to suit their changing circumstances.

Commercial Mortgage

Date completed: 28th June 2019

Loan amount: £250,000

Location: Manchester

Description:We were approached by our clients to refinance their commercial property in Manchester to release equity for them to purchase another investment property in Wales. We sourced a new lender who approved the facility with the deal completing within 6 weeks. Our client was then able to purchase the investment property and are shortly starting work on their new project.

Bridging Loan

Date completed: 20th June 2019

Loan amount: £56,000

Location: Wirral

Description:We were introduced to a client by one of our mortgage brokers, their client had been let down on an auction purchase by another broker who was sourcing them a bridging loan. Our client was served a notice to complete meaning they had only 14 days to complete on the transaction or they would lose the property along with the 10% deposit they had already paid at the auction. We were able to source a suitable lender able to complete in the timeframe and recommend a solicitor who prioritised the case to ensure we completed in the 14 day timeframe. The deal completed in 13 days from application and we are now in the process of sourcing the client a refinance onto a buy to let mortgage.

Commercial Mortgage (Holiday Let)

Date completed: 5th June 2019

Loan amount: £101,500

Location: North Wales

Description:We successfully arranged a mortgage facility for our clients to purchase a holiday let. The property had previously been used as a family home and our clients saw the potential to convert the cottage to a holiday rental. Through projections from a reputable Holiday Lettings company, we successfully raised 75% of the purchase price for our client without them having any prior experience in the market.

Bridging Loan

Date completed: 24th May 2019

Loan amount: £150,800

Location: Warwickshire

Description:Our client purchased a property at auction costing £230,000 and had 4 weeks to complete the purchase having paid 10% deposit. We successfully arranged a bridging loan of £150,800 to complete the purchase with the deal completing within 2.5 weeks – well in advance of the completion deadline.

Commercial Mortgage

Date completed: 28th May 2019

Loan amount: £600,000

Location: Hereford

Description:Our client wanted to take cash out against an unencumbered mixed use property to enable them to purchase a residential property to live in. We were able to secure £600,000 against the property and within our clients timescales.

Commercial Mortgage

Date completed: 28th May 2019

Loan amount: £60,000

Location: Manchester

Description:Our client purchased a commercial property at auction and carried out a full refurbishment so they could trade from the premises. We successfully refinanced the property, which enabled the client to replenish savings spent of the refurbishment of the property. The deal was approved and valuation instructed with legals following quickly. The deal completed within a few weeks afterwards.

Buy-to-Let

Date completed: 22nd May 2019

Loan amount: £56,000

Location: Liverpool

Description:We were approached by one of our valued mortgage brokers who had been having an issue finding a lender willing to support an application for a BTL mortgage for one of their clients due to the tenant being a family member of the director of the company who owned the property. We were able to source a lender willing to support the case as the property was owned by a limited company, they treated the transaction as non-regulated. The transaction took 8 weeks to complete from application.

Unsecured Business Loan

Date completed: 16th May 2019

Loan amount: £83,226

Location: Greater Manchester

Description:Our clients needed a working capital facility to assist with funding new contracts. As such we secured a facility of £83,226 over 60 months on competitive terms with funds drawn in less than a week.

Commercial Mortgage

Date completed: 14th May 2019

Loan amount: £1,410,150

Location: Birmingham

Description:Our clients required a commercial mortgage to purchase two freehold sites as part of a company Management Buy-In (MBI). The commercial mortgage had been declined by the high street banks due to the perceived risk of the MBI structure; however we were able to source a lender to provide the required funding at competitive funding terms to support the overall purchase.

Commercial Mortgage

Date completed: 14th May 2019

Loan amount: £360,000

Location: Manchester

Description:Our client wished to capital raise against his wine bar, which changed from his trading business to one which he rented out to a third party on an investment basis. There were two studio flats above rented on standard AST's. We managed to secure 75% LTV to help enable our client buy more property and grow his portfolio further.

Developer 'exit' funding

Date completed: 10th May 2019

Loan amount: £350,000

Location: Cheshire

Description:Our clients were nearing the end of a development of a residential property and needed to redeem their existing, short term loan facility. We arranged a new facility with a lender who understands this market and were happy to offer a 12 month loan term enabling our clients to market the property properly and secure the best possible selling price.

Commercial Mortgage

Date completed: 2nd May 2019

Loan amount: £270,000

Location: London

Description:Our client is a hair salon owner who had been trading for 2 years. She had option to buy her commercial premises at a pre-agreed price. Since leasing the property she had spent approximately £50,000 refurbishing and due to several delays with the refurbishment she only had 2 months left to take advantage of the pre-agreed price that was significantly below market value. We were able to source a commercial mortgage from a high street lender at a very competitive interest rate and ensured that the bank, valuer and solicitors all acted as quickly as possible to deliver the mortgage by the due date.

Buy to Let Refinance

Date completed: 26th April 2019

Loan amount: £142,500

Location: Staffordshire

Description:Our clients purchased a property for £134,000 from a deceased estate for cash and completed a full refurb at a cost of £30,000. They wanted to refinance within 3 months of ownership and we were able to arrange funding at 75% LTV with a specialist lender on a competitive 5 yr fixed rate based on the new valuation, which came in at £190,000. This allowed our clients to leave 15% of their own funds in the deal and move onto their next target property.

Commercial Mortgage

Date completed: 29th April 2019

Loan amount: £1,104,660

Location: Merseyside

Description:Our client's approached us after working with a previous broker who wasn't able to source a suitable facility for their requirements. The client's had a mixed investment portfolio with an expiring mortgage with another lender which needed to refinanced in a short timeframe. We were able to source a lender who were willing to offer the facility the client's required and refinance in the timeframe required, the transaction completed within 10 weeks of application.

Unsecured Business Loan

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