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  • Commercial Lending

    Perhaps you want to buy a plot of land to build a house on, or a business to run yourself. Or maybe you’re seeking some kind of development finance or a competitive mortgage deal for a commercial investment property. Whatever it is, our commercial specialists can help. Arranging a commercial mortgage secured on a business property is different to arranging a residential mortgage and clients are much more likely to rely on their own bank than approach other lenders, not fully understanding how to package, negotiate or secure the most suitable possible terms. As with a residential mortgage the rate, fees, flexibility, repayment method, loan amount and security sought are all factors that need to be taken into consideration. We have both the expertise and contacts to take this laborious process away from you and with access to a large number of commercial providers we look to secure the most suitable terms.

    Since these deals are assessed case-by-case, it’s vital to know where to go. If you’re buying commercial property you need a lender who’s comfortable with that. For more flexible financing we may suggest someone else.

    There are certain lenders who specialise in non status or business forecast commercial lending for businesses without the relevant proof of income or with an adverse credit history. Some specialist lenders are also able to lend at higher loan to values than traditional high street banks on development and commercial investment properties. These lenders will base their decision much more on the security offered by the property, however the trade off is that their rates may be higher.

    As well as finding the lender, we’ll ensure you present to them effectively, with all the relevant information ready so they can quickly grasp what you want and why. This way we can help you achieve the funding you need on the most suitable available terms.

    Please note: Commercial mortgages are not regulated by the Financial Conduct Authority.

    Your property may be repossessed if you do not keep up repayments on your mortgage.

    Development Finance

    Our advisers have extensive experience in helping property developers obtain the finance they require to complete the projects they wish to undertake, whether residential developments or commercial developments.

    The various terms and rates on offer for development finance will differ depending on the applicants experience, the industry sector and the nature of the proposal. The loan to project costs will be influenced by projected gross property development values, but funding would typically be in the region of 70% to 75% of the purchase price and build costs.

    In certain circumstances, we have access to funding which, through a joint venture partnership, will allow up to 100% development costs, and land purchase, but only with planning consent in place.

    Should a lower loan to build cost be offered and you require assistance with the additional finance we can also assist in arranging Mezzanine finance.

    Our advisers will assist you in packaging your proposal and business plan, presenting to the lender, and negotiating the most suitable rates for your circumstances.

    Your property may be repossessed if you do not keep up repayments on your mortgage.

    Buy to Let

    Gone are the days where you could expect a good yield and nice monthly income from a buy to let on almost any property you purchased and let out. You could also enjoy a nice capital return on the rising value of your investment. Post credit crunch, it requires specialist knowledge of lenders and the market place to ensure you are getting a buy to let on terms which are acceptable to you, and not falling foul of an investment which isn’t working for you.

    Owning an investment property carries responsibilities and costs and success is not guaranteed. Carefully selecting a property that has strong income or capital growth potential is a much better strategy than just hoping that the property market will continue to rise.

    In many instances the buy to let purchase may involve refinancing other property including the main residence. This needs to be done carefully to avoid incurring penalty and taking affordability into account.

    Our advisers use their specialist knowledge of the market to find the right structure for your circumstances whether you have one buy to let, or an extensive portfolio of properties. This sometimes involves using lenders who fund generously based on a property’s rental potential. It can also involve taking advantage of a new build developer discount using the existing equity in the property created by the reduced purchase price as part of your deposit.

    What people rent is different to what they would buy. They’ll choose different areas, have different priorities and expect different facilities. Not every property is suitable for an investment of this kind.

    The advisers at Keystone Wealth Management Ltd have a solid reputation within the Buy-to-let sector through our extensive client bank and we’ve enabled many people to build significant portfolios. Whether you’re buying your first property or your tenth, we have the practical experience you need to obtain the most suitable mortgage for your circumstances.

    Your property may be repossessed if you do not keep up repayments on your mortgage.

    Please note that the Financial Conduct Authority do not regulate most forms of Buy To Let mortgages.

    International Mortgages

    International mortgages are becoming more and more popular with a steady increase in demand with people relocating for work and others retiring overseas, people buying second homes, and others seeking investment opportunities in other overseas markets.

    Corporately speaking, many companies are moving abroad, or already have a presence but are looking to expand. Our advisers are specialists in sourcing lenders specifically for your requirements.

    The main countries which UK residents and UK companies look to buy in, whatever their reason for doing so are, USA, Canada, France, Spain, Portugal, Australia, New Zealand, Dubai, Hong Kong, and Singapore.

    The main lending alternatives that you have when looking to purchase a foreign property are to either borrow against a property you already own in the UK or to borrow against the proposed foreign property. We will assist you in helping to make a decision as to which method you would prefer to take.

    If your decision leads you to wanting to borrow against the foreign property, we have built a close working relationship with lenders across the globe that can support your lending requirements across more than 30 countries.

    We have also built relationships with various lenders that are able to provide loans for development projects and the more unusual types of lending almost anywhere in the world.

    Please note you must be in the UK to receive advice. 

    Your property may be repossessed if you do not keep up repayments on your mortgage.

    Please note the Financial Conduct Authority do not regulate mortgages overseas.

    Employee Benefits are not regulated by the Financial Conduct Authority

    Commercial Lending is on a referral only basis