Best Buys

Specialist lenders tend to offer bespoke deals for bridging loans, depending on the property involved and the borrower’s individual circumstances. Contact us now for the best rate and terms we can negotiate on your behalf.

WHAT IS POSSIBLE FOR ME?

With different lending criteria, rates and charges imposed by the various lenders who offer bridging loans, it is important that we negotiate the right deal for you.We work efficiently and quickly on your behalf, understanding that speed and communication are important. We are with you from start to finish; there's no need for you to chase the lender or other professionals involved in the process.

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WHAT OUR CLIENTS SAY

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

‘Let to Buy’ – Buying without selling

by Ian Giles | Nov 12, 2014
Recently, clients of ours found a property that needed complete redevelopment, so much so that any mortgage lender would consider the property to be ‘uninhabitable’ and therefore unsuitable as security for a mortgage. There was competition for the property so the clients had to move quickly to secure it. They either had to be cash buyers or be in a position to purchase without selling. Read about how they used 'let to buy' as the solution.

London property prices have surged over recent years. The gap between the average price of property in London (£401,000) and the UK as a whole (£189,000) is now as wide as it has ever been, according to the Nationwide’s latest figures at the end of the third quarter of 2014. London’s average property price has increased by 21% in the last year, whereas the overall UK average has increased by 10.5%.

Short term dip
However, the latest figures from the Land Registry show that property prices in London fell 0.7% in September, the first monthly fall experienced in the capital for nearly a year. It came off the back of a 2.4% increase in August and 2.6% in July. Perhaps now is the time to search for better value property outside the capital?

Long term growth
In the long term, if previous trends continue, then London property prices are likely to continue to outstrip the rest of the country. London is an attractive global cultural centre, a safe home for international investors and a service hub for the world. Many London home owners are considering moving ‘out of town’ to take advantage of the value to be found in the regions, but are not ready to give up the capital appreciation potential of their London property. It could be an important part of their retirement planning.

Let to buy
One way of hanging on to your London investment, but still being able to buy another property elsewhere, is to ‘let to buy’ where you keep your existing property and rent it out at the same time as buying your new place.

Case study
Recently, clients of ours found a property in Kent that needed complete redevelopment, so much so that any mortgage lender would consider the property to be ‘uninhabitable’ and therefore unsuitable as security for a mortgage. There was competition for the property so the clients had to move quickly to secure it. They either had to be cash buyers or be in a position to purchase without selling.

The clients’ current property was an easy-to-let property that they wished to retain as a future investment. The estimated rental income from the property was fairly conservative and so the mortgage did not fit using ‘standard’ Buy to Let (BTL) stress tests. With our experience of the specialist BTL sector, we were able to select a lender that used a more flexible stress test and had confidence in the clients being first time landlords.

The case study attracted the attention of the Daily Telegraph, where it was featured in an article on the potential effects of EU legislation on the BTL market. In our view, the European Mortgage Credit Directive is unlikely to be applied retrospectively to borrowers who have already taken out BTL mortgages to finance a ‘let to buy’ move, but clients who are interested in using BTL for this purpose might want to consider taking advantage sooner rather than later. As always, it pays to take the advice of a professionally qualified independent mortgage broker.

Private Finance
Private Finance provides first-class independent mortgage advice to suit your requirements.

Founded in 1999, based in London, it has established relationships with the key lenders in the UK mortgage market, including those who do not have a high-street presence. It arranges bespoke mortgage solutions for its clients. It works quickly and efficiently on your behalf, leaving you free to get on with your life. Its service is individual; the latest technology is used without compromising its commitment to personal service.

Whether you are acquiring a property or looking to remortgage an apartment or a house, Private Finance can help. Specialising in the arrangement of larger property loans, its experienced mortgage finance professionals have access to the whole of the market and provide a tailored one-to-one advisory service, delivered face-to-face or remotely to fit your circumstances, allowing you to finance your property in a convenient and stress-free manner.

Email info@privatefinance.co.uk or call 0800 980 8777.

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  2. Alexender | Sep 08, 2016

    How I can buy new place and properties what's the process of buy any property I want to gel some information about it. Now I Purchase an Assignment UK because I couldn't my this work on time I do job and sp much busy in my office work.

    Leave a comment

    YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.

    © Private Finance Limited, 2017. Private Finance provides independent mortgage advice and arranges individual mortgage solutions for clients. Private Finance is a trading style of Private Finance Ltd, 21 Bedford Square, London WC1B 3HH, registered in England no. 3855776 and Private Finance Associates LLP (PFA LLP) of the same address, registered in England no. OC357301. PFA LLP is an Appointed Representative of Private Finance Ltd. Charges are based on the loan amount and the complexity of your needs and circumstances. Our maximum fee is 1% however typically our average fee has been 0.28%, i.e. £980 on a loan of £350,000. Private Finance Limited is authorised and regulated by the Financial Conduct Authority (FCA registration number 310566).

    Private Finance Ltd is rated 4.94 stars by Reviews.co.uk based on 243 merchant reviews

    4.94 / 5 Rating
    243 Reviews
    The best finance firm in London in my opionion. Very fast response and always help get the best deal.
    Extremely efficient and demonstrated an excellent knowledge of the market place. Nice people with a refreshingly 'unsalesy' attitude.
    I am a strong advocate of Private Finance and Tim Nye is a superstar ! Nothing was ever too much trouble during the application process and he kept me fully informed every step of the way. It's so refreshing to have dealt with such an efficient team.
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