At QED Finance, we take the time to understand your specific requirements. Our expert team are on hand to assist you with any property related funding requirement. whether your are seeking funding for commercial or residential property, short or longer term finance, we have a lender that will match your need.
Why use a business finance broker?
One application with us, enables a full market search for your requirement. Matching you to the best and most suitable lender, not only saving you considerable time and effort, but preventing multiple credit searches on both your business and the owner/directors personally. A low credit score can limit your options or see you turned down by some lenders.
Click on the icons below to learn about each type of property finance facility.
Commercial Mortgage
Commercial mortgage loans are similar to traditional mortgage loans; but instead of borrowing money to buy residential property, you secure any land or property for commercial purposes. Examples of commercial property are office buildings, industrial warehouses, shops and care/nursing homes.
Commercial mortgages start from £25,000 upto many millions of pounds. The laon is secured by a first legal charge on your business premises.
Key features + benefits
Commercial mortgages available for amounts over £25,000 with maximum loan term 25 years
Capital and interest or interest only repayment options to suit your business circumstances
Choose between a fixed rate (up to 10 years) and a variable rate linked to base rate.
Some funders allow you to build in a capital repayment holiday for pre agreed period to help boost your cash flow
Borrow up to 80% of the property's loan-to-value (LTV) based on the lower of the purchase price or professional valuation
Get fast access to your funds, if approved and subject to security being in place
What can you use the funds for?
Buying business premises
Further develop existing commercial property
Refurbishing your existing commercial property
Raise funds for investment finance for your business
Investment finance
Raise finance to buy other assets such as motor vehicles, machinery and other equipment
At QED Finance, one application with us, enables a full market search for your requirement. Matching you to the best and most suitable lender, not only saving you considerable time and effort, but preventing multiple credit searches on both your business and the owner/directors personally. A low credit score can limit your options or see you turned down by some lenders. Click below to get a quote or Apply for finance today.
A commercial mortgage is a loan secured against a property used for commercial purposes, such as office buildings, industrial warehouses, retail shops, and care homes. Unlike residential mortgages, commercial mortgages are tailored to meet the financial needs of businesses and investors.
How much can I borrow with a commercial mortgage?
You can borrow amounts starting from £25,000 up to many millions of pounds for a commercial mortgage. The exact amount you can borrow will depend on your business's financial circumstances and the loan-to-value (LTV) ratio of the property.
What is the maximum term for a commercial mortgage?
Commercial mortgages can be arranged for terms up to 25 years. The term length you're eligible for may vary based on the lender's assessment of your application and the nature of the property being financed.
Can I choose between different repayment options?
Yes, commercial mortgages offer flexibility in repayment options. You can choose between capital and interest repayments or with some lenders interest-only payments. This choice allows you to select an option that best suits your business's cash flow needs.
What interest rates apply to commercial mortgages?
Interest rates on commercial mortgages can be either fixed for up to 10 years or variable, typically linked to the base rate. The rate you're offered will depend on factors such as the LTV ratio, your business's creditworthiness, and the loan amount.
Is it possible to take a capital repayment holiday?
Some lenders offer the option of a capital repayment holiday for a pre-agreed period. This feature can help businesses manage cash flow more effectively during certain phases of their operation or investment.
How much of the property value can I borrow?
Lenders typically allow borrowing up to 80% of the property's loan-to-value (LTV) ratio, based on the lower of the purchase price or professional valuation. However, the exact LTV ratio offered can vary by lender and the borrower's credit profile.
How quickly can I access the funds if my application is approved?
If your commercial mortgage application is approved and security is in place, you can gain fast access to the funds. The exact timeline can vary depending on the lender's processing times and any legal due diligence required.
What can I use the commercial mortgage for?
You can use a commercial mortgage for several purposes, including buying new business premises, further developing existing properties, refurbishing your current commercial property, raising investment finance, or purchasing other assets like motor vehicles and machinery.
How do I apply for a commercial mortgage?
To apply for a commercial mortgage, you'll typically need to provide detailed information about your business, the property you wish to purchase or refinance, and financial statements. Start by requesting a QUOTE and one of the QED Finance team will guide you through the process.
Buy-to-let Mortgages
Its now much easier to become a landlord in the UK. With house prices outstripping wages growth, a growing number of households rent in the private sector fueling demand for housing. Whether you want to give up your day job, or top up your pension then a Buy to Let mortgage should be the perfect match.
The application is similar to a residential mortgage application but with a few differences. These differences include the amount you could borrow and how much deposit you will need. A number of lenders dont need you to have previous experience as a landlord before they'll consider you. Applications can be made for everyone from private individuals and sole traders, to partnerships, limited companies and others.
If your rental income sufficiently covers your mortgage payments, then most lenders won't conduct any further affordability assessments. But should they need to, they will take all of your income into account – including rent from other properties, or wages from your day job.
Key features + benefits
Available for amounts over £25,000
Maximum loan term 30 years
Borrow up to 80% of the property’s market value (LTV)
Rates from 3.75%
Variable, fixed rate and interest only options available
What can you use the funds for?
Buying a residential property you intend to let
Convert an already owned property to a buy to let
Inherited a property that you intend to let
Refurbishing existing property that you intend to let
Investment finance
Buying certain semi commercial properties
At QED Finance, one application with us, enables a full market search for your requirement. Matching you to the best and most suitable lender, not only saving you considerable time and effort, but preventing multiple credit searches on both your business and the owner/directors personally. A low credit score can limit your options or see you turned down by some lenders. Click below to get a quote or Apply for finance today.
A Buy-to-Let mortgage is specifically designed for those looking to purchase or refinance properties to rent out to tenants. It facilitates investment in the housing market by enabling individuals to become landlords.
Who Can Apply for a Buy-to-Let Mortgage?
A wide range of applicants including private individuals, sole traders, partnerships, and limited companies can apply. Previous landlord experience is not necessarily required by some lenders.
How Does a Buy-to-Let Mortgage Differ From a Residential Mortgage?
Key differences include the determination of the loan amount, the size of the required deposit, and the use of rental income for affordability assessments. Buy-to-Let mortgages typically require a larger deposit and offer different rates and terms.
How Much Can I Borrow with a Buy-to-Let Mortgage?
Borrowers can typically secure up to 80% of the property's market value, subject to the lender's criteria and the borrower's financial situation.
What Are the Interest Rates for Buy-to-Let Mortgages?
Rates start from 3.75% and can vary based on the loan's details and the chosen mortgage product. Available options include variable, fixed rate, and interest-only mortgages.
What Can I Use a Buy-to-Let Mortgage For?
Funds can be used to buy new residential properties to let, convert or refurbish an existing property for rental purposes, or purchase certain semi-commercial properties intended for letting.
What Is the Maximum Loan Term for a Buy-to-Let Mortgage?
Loan terms can extend up to 30 years, depending on the lender's policies and the applicant's profile.
Is Rental Income Considered for Mortgage Payments?
Yes, lenders look at rental income to ensure it covers the mortgage payments adequately. In some cases, no further affordability assessments are needed if the rental income is sufficient.
Can I Get a Buy-to-Let Mortgage if I Don't Have Landlord Experience?
Many lenders accept applicants without previous landlord experience, though they may have other specific eligibility criteria.
What Is the Minimum Loan Amount for a Buy-to-Let Mortgage?
The minimum loan amount usually starts at over £25,000, varying across different lenders.
How do I apply for a Buy-to-Let mortgage?
To apply for a Buy-to-Let mortgage, you'll typically need to provide your financial documents, including proof of rental income, or rental income projections for the property, and any relevant landlord experience. Start by requesting a QUOTE and one of the QED Finance team will guide you through the process.
Development Finance
Development finance is a form of short term financing available for those who are looking to take on a development project. Whether that's building a new development or conducting major refurbishment works. This type of finance is used for an existing but uninhabitable property, or constructing one from the ground up. The finance can often be used for both the land purchase and building costs.
Some lenders will insist on a track record of developing property, but not all. If you lack experience then get a good agent and architect on board and work with an established and experienced builder. Most importantly, planning must be in place before looking for finance.
We even have lenders who will provide 100% of the finance for a good project and take a 50% profit share.
Key features + benefits
Available for amounts over £25,000
Maximum loan term 36 months
Up to 90% loan to cost or 75% loan to GDV (Gross development value)
100% of build costs + up to 70% land cost
Rates from 0.5%
Variable, fixed rate and interest only options available (interest is normally rolled up and repayed at the end of the loan period.)
Development Finance is a type of short-term financing aimed at individuals or companies undertaking property development projects. This includes building new developments, major refurbishments, or converting uninhabitable properties. It can cover both land purchase and construction costs.
Who can apply for Development Finance?
Both experienced developers and those new to property development can apply. While some lenders require a track record in property development, others are open to first-time developers, especially if they collaborate with experienced agents, architects, and builders.
What are the key features of Development Finance?
Loan amounts starting from £25,000
Maximum loan term of 36 months
Financing up to 90% of the project cost or 75% of the Gross Development Value (GDV)
100% of build costs and up to 70% of land purchase costs covered
Competitive rates starting from 0.5%
Various repayment options, including variable, fixed-rate, and interest-only, with interest typically rolled up and repaid at the end of the loan term.
What is required to secure Development Finance?
Most lenders require detailed project plans, including planning permissions, a comprehensive budget, and a projected timeline. Experience in property development is beneficial but not always necessary. Having a qualified team, including a good agent, architect, and established builder, can also be crucial.
Can I get 100% financing for my development project?
Yes, some lenders offer 100% financing for projects they consider viable. These arrangements might involve a profit share agreement, where the lender takes a portion of the project's profits, commonly up to 50%.
How is the loan amount determined?
The loan amount is typically determined by the cost of the project or the Gross Development Value (GDV) of the property upon completion. Lenders assess the project details, costs, and expected market value to decide the loan amount.
What is the difference between loan to cost and loan to GDV?
Loan to cost (LTC) refers to the percentage of the project's total cost that the lender is willing to finance. Loan to GDV (Gross Development Value) relates to the percentage of the project's anticipated market value upon completion that can be borrowed. LTC is generally based on immediate costs, whereas GDV is speculative and based on future value.
What happens if my project goes over budget or schedule?
It's important to communicate with your lender immediately if your project faces delays or cost overruns. Some lenders may offer flexibility, but it's crucial to have contingency plans in your budget and agreement for such situations.
How do I apply for Development Finance?
The application process typically involves submitting a detailed project proposal, including costs, timelines, and projected outcomes. You may also need to provide personal or business financial statements, planning permissions, and evidence of your development experience or your team's expertise.
Where can I find more information or apply?
Start by requesting a QUOTE and one of the QED Finance team will guide you through the process. We are here to help guide you through each step and ensure you have the financing you need for your development project.
Bridging Finance
Bridging finance, often referred to as a bridging loan, is a short-term funding option used primarily to 'bridge' the gap between an immediate funding requirement and the availability of a more permanent financial solution. Unlike commercial mortgages tailored for purchasing commercial properties over a longer term, bridging loans offer rapid financial solutions for individuals or businesses facing temporary cash flow gaps. This form of finance is used in property transactions, allowing borrowers to secure property swiftly without waiting for existing assets to sell.
Bridging loans can start from as little as £5,000 and can go up to several million pounds, with the loan secured against residential, commercial, or mixed-use property. The security provided enables quicker lending decisions and fund disbursement.
Key features + benefits
Bridging loans available for amounts starting at £5,000, catering to a wide range of funding needs.
Short-term financing options with loan terms typically ranging from 1 month to 24 months.
Interest can be 'rolled up' to pay at the end of the term, monthly, or occasionally, depending on the lender's criteria, suiting various cash flow requirements.
Flexible lending criteria with loans up to 75% of the Loan to Value (LTV) of the property, sometimes higher with additional security.
Quick access to funds, often within a few days of application approval, subject to the property being used as collateral.
No exit fees with some lenders if the loan is repaid before the end of the term.
What Can You Use the Funds For?
Quick property purchases, including auction buys where completion is required within tight deadlines.
Bridging the gap between buying a new property and selling an existing one.
Property development, including renovation and refurbishment projects before obtaining long-term financing or selling.
Solving short-term cash flow issues within a business.
Any legal business purpose that requires swift funding.
Bridging finance offers a flexible and immediate financial solution for those in need of short-term funds, particularly in fast-moving markets like property. Its versatility and speed of arrangement make it an attractive option for many scenarios where traditional funding methods are too slow or not feasible.
Bridging finance, also known as a bridging loan, is a short-term funding solution designed to help cover immediate financial needs until permanent financing is secured. It's often used in property transactions to bridge the gap between purchasing a new property and selling an existing one.
How quickly can I receive a Bridging Loan?
One of the key advantages of bridging finance is the speed of access to funds. You can typically receive the money within a few days of your application being approved, subject to the property used as security being adequately valued and legal checks being completed.
What are the interest rates for Bridging Loans?
Interest rates for bridging loans vary depending on the lender, the amount borrowed, the term of the loan, and the risk associated with the loan. Interest can be 'rolled up' to be paid at the end of the term, paid monthly, or, in some cases, on an ad-hoc basis.
How much can I borrow with a Bridging Loan?
The amount you can borrow typically starts from £5,000 and can go up to several million pounds. Loan amounts are usually up to 75% of the Loan to Value (LTV) of the property used as security, though this can be higher with additional security.
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