Our Services
Residential Mortgages
If you are looking to buy your first home, you will most likely need to apply for a mortgage. This is a loan which is secured against the value of the property.
Securing a mortgage for your first home can feel overwhelming, with so many decisions to make along the way. We’re here to simplify the process, guide you through every step, and help you find the most suitable deal with all the information you need to feel confident.”
A mortgage is a loan secured against your home.
Your home may be repossessed if you do not keep up repayments on your mortgage or any other debt secured on it.
Buy to Lets & Specialist
If you are planning to buy a property to rent out you will need a buy-to-let mortgage. A buy-to-let mortgage is a mortgage sold specifically to people who buy property as an investment, rather than as a place for them to live.
A buy-to-let property can be a welcome asset for a landlord with a portfolio of properties or someone looking at investing in their first property. Before you take the next steps, we can talk to you about the different buy-to-let mortgages available from the buy-to-let mortgage marketplace, and make sure you have all the information you need.
Let us help you find a competitive buy-to-let mortgage, whether you are buying an investment property or remortgaging an existing one.
Commercial Mortgages
Commercial mortgages are arranged for the purpose of purchasing or re-mortgaging property that is primarily for commercial or business use and can be arranged for as a form of investment (commercial buy to let) or for a business to trade from.
There are two types of commercial mortgage: an owner occupier mortgage for trading premises and a commercial investment mortgage for those looking to invest in commercial property. We can help you look at both.
We aim to find the most suitable commercial mortgages for both investors and business owner-occupiers, based on your needs, circumstances and preferences. So, talk to us today and let us help you.
Commercial & Business Loans
Often when you're starting a new business or growing a business, loan finance can be really useful to help with the costs.
A business loan differs from a personal loan, in that you will need to provide information about your business, its turnover, and its profit.
Business loans can be useful for both your short term or the long term needs, but will involve paying a set amount of interest on a lump sum borrowing amount.
Different loans can be available for different circumstances. It will help to have a clear picture of what you need the money for before you start by comparing business finance loans.
Bridging Loans
A bridging loan or bridge loan is a short-term loan given to 'bridge the gap' between buying a new house and selling your previous house.
Bridging loans can also be useful when used as a short term loan to help you buy a property at auction, when money is needed immediately as you may not have sold your current property yet.
A Bridging Loan is a short-term loan secured against your home or property. Your home or property may be repossessed if you do not keep up repayments on your mortgage or any debt secured on it.
The Financial Conduct Authority does not regulate some forms of bridging finance.
Property Development
Get your project off the ground with a development loan.
We aim to help property developers get the right finance; providing funding solutions for new build projects, redevelopments, major renovation works or just general refurbishments. Let us help you with your residential development.
Development funding without full planning consent can be very difficult to secure, so unless you are highly experienced and have completed a number of development projects. Before seeking finance, it is vital to finalise planning consents and have all relevant documentation available to show your lender.
Protection & Insurance
The aim of protection is to provide money for people who financially depend on you, or in the case of an employer to offer peace of mind to your employees.
It's important that you consider the impact and consequences that your death or your suffering from ill health might have on the people closest to you. We offer the following:
Buildings & Content Cover
Life Insurance
Critical Illness Cover
Income Protection
Family Income Benefit