Our Lending Facilities
We work with lenders across the market and negotiate on your behalf to secure the lowest possible rates for your application. Our lending facilities aren’t always set in stone and it may be possible to negotiate an even keener deal for strong applications.
In most cases, we are paid by the lender for introducing the application to them. This means we don’t usually have to charge a broker fee for our service.
Can You Lend to Complex Ownership Structures?
Yes, we can lend to individuals, partnerships, LLPs, UK or overseas Ltd companies, pension funds and overseas borrowers.
Whatever the ownership structure, we can help. Where the structure is unusual, the product offered may be bespoke, so it’s best to discuss your application with an experienced expert.
Which Lenders Offer Large Commercial Mortgages?
Funding is usually arranged through either high street banks, challenger banks or specialist commercial lenders.
For larger loans, where the interest rate charged is all important, we will always favour high street banks. When working with these, we use our experience to negotiate favourable rates for you and won’t charge broker fees – saving you as much money as possible.
What if I’m Buying a Property Which is VAT Registered?
Where VAT must be paid on the acquisition of a property, we can fund up to 100% of the amount due, often on the same terms offered on the commercial mortgage.
Where this facility is taken up, the amount is simply repaid on successful reclaim of the VAT.
Can Lending Be Agreed Across Multiple Properties?
Yes, we can offer funding across multiple securities, with no maximum. Of course, the security offered will need to have survey reports undertaken on them. The logistics of arranging this tends to be the largest hurdle to funding very large portfolios.