BEST BUYS

Best Buy: Residential
Product Type 2 Year Discounted Variable
Initial Rate 1.39%
Subsequent Rate 5.79%
APR* 5.1%
Arrangement Fee £999
Best Buy: Residential
Product Type 2 Year Fixed
Initial Rate 1.05%
Subsequent Rate 4.24%
APR* 3.7%
Arrangement Fee £995
* The overall cost for comparison

The availability of the above products is dependent upon certain criteria including but not limited to loan size, loan to value and personal income.

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I would not hesitate to recommend Private Finance and I can’t praise the firm highly enough. Alexander Armstrong, Comedian, Actor & Presenter
So many people have congratulated us on getting finance in place to buy without selling. Very few people realised before how useful a broker can be. Jan Harrison
Once again, many, many thanks for the help provided by you and your team (especially Tricia). We were very impressed with how quick and responsive you all were. More than that, you were the key to us realising that we could actually move ahead on a let-to-buy basis, after I’d rather been discouraged by a previous conversation with another intermediary, so it’s no exaggeration to say that we couldn’t have done it without you. Mr & Mrs Lethem
Dear Edward, it was such a pleasure dealing with your firm, I wanted to make a special effort to write and thank you and your team for all your efforts.  I set you a difficult task because of the many circumstances surrounding my refinance. Having bought and sold property in England some years ago and then becoming a licenced commercial property broker in California, I was involved in arranging many mortgages both for myself and my clients. Both Simon Marsh and Tricia Clarke were gracious and helpful, and assisted me in every way possible. They were right on top of the situation and made me feel as if I was the only client they had. I have never had such excellent service before; both sides of the Atlantic! I truly appreciated the promptness with which all the requests were passed on to me, and in helping me to fill out the forms.  Now it is in the hands of the solicitors. Thank you again and I will have no hesitation in recommending your firm. Basia Fuller
MORE TESTIMONIALS

Bridging loans - short and sweet

by Kate Blissett | May 23, 2018
Risk. It’s been the watchword in the mortgage market since 2008 and despite the industry undergoing quite the recovery since the downturn lenders are still fearful of any deals deemed to be even slightly risky.

Short and sweet

Risk. It’s been the watchword in the mortgage market since 2008 and despite the industry undergoing quite the recovery since the downturn lenders are still fearful of any deals deemed to be even slightly risky.

Borrowers who need to move quickly are particularly out of luck as tightened criteria and increased scrutiny means the application process can be more cumbersome and time consuming.

But bridging lenders have seized the opportunity to come to the rescue.

So what exactly is a bridging loan?

Bridging loans are short term loans that can be accessed very quickly. The processing time for a bridging loan can be as little as 48 hours - significantly less than a standard mortgage application. They are designed to act as a short-term solution, however, as they typically come with a very high rate of interest and often have hefty administration fees attached.

When are they used?

As one would expect, bridging loans are ideal for situations where finance is needed quickly but where an alternative source of finance is lined up.

A buyer looking to purchase a property at auction, for example, who will only have 28 days to pay the balance on the property would be a perfect candidate for bridging finance. Similarly, if a homeowner is in a chain and doesn't want to miss out on their new house just because their existing property is taking longer to sell than expected, bridging could be used.

Borrowers who are looking to buy a house for which a traditional mortgage would not be suitable could also look into bridging. Most mortgage lenders won’t offer mortgages on properties that don’t have a working kitchen or bathroom, for example, so a property investors looking to buy a run down home and renovate it could use bridging finance in the first instance before refinancing. 

What are the alternatives?

Without an exit strategy bridging finance can be extremely expensive so it’s worth exploring other options unless you have a clear route out of the loan. Standard second charge loans could be a viable alternative. Second charges have much lower interest costs and borrowers won’t need to refinance quickly.

For borrowers looking to bridging finance because they need to complete on their new home before selling their existing property Let to Buy could be an option, provided you have enough equity in your current property to remortgage and raise the deposit for the new home.

You would have the lender’s permission to let out your existing property and use the income to cover the mortgage and other outgoings. An occupied property might sell better and you will then be free to take out a mortgage for your new home without the need for a bridging loan.

An experienced mortgage broker will be able to help identify the best value solution for your circumstances.

For more information about sourcing bridging finance, speak to us today on 0800 980 8777.


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