Property Finance
Sourcing property finance, within all property sub-sectors is our core business. We have extensive experience and ‘inside knowledge’ that is not generally available to property investors and developers.
Our success rate is very high, and in almost every case we deliver payback on our fees from the improved borrowing terms and cost benefits that we obtain for our clients, along with the added value we provide to your reputation, whilst saving you time, which can be better spent elsewhere. Learn more
Our experience tells us that the most frustrating element of property investment and development is the amount of time and money that is spent when buying, selling and refinancing property.
From sourcing the property, to completion of the purchase, this can often take 6-12 months depending on the nature of the transaction. We believe this is unacceptable. Learn more
Lending and Security Review
It is often the case that after monies have been borrowed, the borrower does not revisit the terms of the facility throughout its duration.
On the basis that most investment facilities are structured on an amortising basis, the position is likely to continue to improve throughout the term of the loan.
Additionally, on the basis that lenders can provide loans for up to 30 years, market conditions can change significantly throughout this period. We don’t have to look back too far to see this. Learn more
Property Schedule / Covenant Certification
Lenders generally require a detailed property / tenancy schedule from investors with borrowing in excess of £1m. This is usually required on a monthly, quarterly, 6-monthly or annual basis.
It is essential that this information is provided in a format that is clear to understand, robust enough to satisfy the lenders requirements, and provided on a timely basis. Learn more
Exit Strategy
If you are seeking to sell your portfolio, early planning is essential to ensure that the disposal of the portfolio is structured appropriately to minimise tax liability. Learn more
Property Sourcing / Disposal
We understand that sometimes, when buying and selling assets within all property sub-sectors, that discretion is key.
Therefore, an “off-market” transaction is sometimes preferred. Learn more
Helping you maintain access to finance on the right terms
- Do you ever feel at a disadvantage when negotiating with your bank?
- Are you aware of the common pitfalls facing borrowers and how to avoid them?
- What would happen if your bank reduced or cancelled your facilities?
Problems with Lenders
Are you having problems with your bank ?
- Has a change of Relationship Manager caused problems?
- Is your bank trying unfairly to change your borrowing terms?
- Has your account been moved into your bank’s ‘special measures’ department?
Other Services
Following feedback from our existing clients, we have also been asked to assist with the following :
Residential / Commercial Development Viability
If you are looking to purchase a development site, we can provide a scheme finance viability for any schemes you are considering for the site, on terms that we know are "fundable". Learn more
Residential / Commercial Development Scheme Management
If you have a scheme that you wish to develop but are unable to find the time to concentrate on this, we can take control of the scheme on your behalf, to bring it to fruition. Learn more