The right financial help is essential in today’s business world. We understand this, we have been building relationships with our lenders for well over 10 years so that you can benefit from our experience. In this challenging market where lenders criteria is becoming ever more strict, a broker’s input has become even more essential.
We are whole of market commercial brokers, able to access the numerous commercial mortgage schemes via a wide range of lenders across the UK; both high street lenders and specialist intermediary lenders. We can access 100% funding for certain professional status borrowers and for those clients with additional security, however for single property transactions, a general rule of thumb would be 75%-80% loan to value, depending on the specifics.
As commercial lending is a specialised market, there are no best buy tables as no two deals are the same since most commercial properties and businesses differ greatly. It is a case of using our industry know-how to approach several lenders with an appetite for the type of lending you require. We negotiate strongly on your behalf and create competition between lenders to ensure you have the best rates for your business.
We can help with:
- Care homes
- Leisure Property
- Semi commercial
- Retail properties
- Industrial property
- Professional property
We offer a whole of market proposition for fast and effective short term funding solutions. We will only recommend this type of funding when warranted and where we are assured of an exit route. Bridging Finance is a short term funding solution and it is not for everyone. However, it can be very useful in securing a property very quickly where time is of the essence; for example an auction purchase, or where considerable renovation works are required prior to securing a traditional long term lending solution.
We will assess your situation free of charge and give you expected terms prior to valuation. We will discuss and agree a fee with you prior to submitting any full mortgage application, any fee’s charged by Michael Graham Private Finance are payable ONLY on completion.
Whether you’re an investor or a business, talk to us and we’ll make the application for you. We will ensure that your loan application is presented in the format the lender prefers, we have strong relationships with many banks and specialist lenders and we work hard to negotiate the best rate and terms for your project.
The Financial Conduct Authority does not regulate some forms of buy to let, commercial mortgages and bridging loans.