When the mortgage required makes sense but rigid automated decisioning systems are not able to take a view, the client falls foul of a “computer says no” situation. We can refer you to specialist brokers who have lenders available which are able to judge each case on its own merits and price for the risk applicable to the borrower.

The Financial Conduct Authority do not regulate commercial mortgages and some bridging loans.

Commercial Finance

Commercial finance covers a broad spectrum of lending. If you are looking for a mortgage on a commercial property such as homes with multiple occupancy (HMO) that is being purchased for rental return or capital gain, an office building, warehouse, factory, workshop, garage or care home etc, then contact a member of our team for more details.

Bridging Finance

A short term loan, secured against property or land and is used to “bridge” the gap, until longer finance can be arranged. The key to the success of a bridging loan is the viable exit strategy that is in place.

Second charge lending

The security for second charge loans is the borrower’s existing home or investment property. The loan is made in addition to the first charge mortgage with which the borrower purchased or remortgaged the property.  This is particularly useful when your existing lender is not able to facilitate any additional borrowing.