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.

Apply for funding now

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.

Apply for funding now

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.)

Apply for funding now