Commitment to service

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For arranging Equity Release, we charge £900, payable on completion. For arranging mortgages and various forms of commercial finance, we charge up to 2% of the loan amount, payable on acceptance of offer, we also charge an application fee which is not refundable. We do not charge any fees for arranging insurance and protection policies. Your fees will be confirmed by your advisor before the transaction starts.

See our Terms of Business page for further details

As part of our service, we want to ensure you and your loved ones are fully protected if a difficult situation arises. Our Insurance advice is complimentary and offered to all of our clients, regardless of the type of transaction we arrange for them.

Aimed at home owners aged 55+, Equity Release enables you to release some of the wealth tied up in your property. You have the option to retain ownership of your property or sell a portion of it, in exchange for a tax-free lump sum. In accordance with your circumstances and needs, you may also be able to release small portions of funds over time. 

See our Equity Release FAQ page for further details 

The time to obtain a bridging loan can be faster compared to mortgages, with some lenders providing funds within days, depending on the application process and required documentation. 

There's a risk of being unable to sell the existing property within the anticipated time frame or refinance it, which could lead to higher interest costs and reposession. It's essential to have a clear repayment strategy before considering bridging finance for your next property venture which includes refinancing the loan using a long term facility.

The amount you can borrow usually depends on the expected rental income from the property. Lenders will also take into account other aspect such as the type of property you are looking to purchase or refinance ( House on Multiple Occupancy, Multi Unit Property, Holiday Let etc) 

For owner occupiers, lenders typically assess the business's financial strength, credit history, the property's value. For investors, lenders look at projected income from the property as the borrower's experience in managing commercial properties. 

 Lenders typically consider the business's creditworthiness, financial stability, revenue, time in operation, and the owner's personal credit score when evaluating loan applications.