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Property finance


    When looking for property finance, you will find plenty of lenders who would be happy to offer you advice and promote their own products and services.

    All lenders will offer slightly different products, services and offers and with all of this information it is not surprising that you could feel confused and overwhelmed.

    Professional advice
    What you need when choosing the right property finance product for you is to find someone who will give you some free independent advice. Impartial advice will help you to choose the right property finance product for you that will allow you to develop and run your business the way you like.

    An independent property finance professional will also be able to put you in touch with a lender who may offer you a preferential rate or a special offer on the product that you’re interested in because of the relationship with your broker.

    Secured finance
    If you have a property or other assets to offer as security for your loan, your loan options will increase and you will find plenty of banks and lenders who will be willing to lend to you. If your business already owns assets like property, this can be very useful as you can raise working capital through a secured business loan.

    The advantages and disadvantages of secured business loans
    The advantages:

    Lower interest rate and charges
    Ability to borrow a larger amount
    Longer period to pay it off
    The disadvantages:

    Your assets could be at risk if you don’t make your repayments
    Often inflexible repayment terms
    Harder and more time consuming to arrange
    Property finance options
    If you are looking for property finance options then the most common finance solution could be a commercial mortgage. However there are a range of other finance options which may be just what you are looking for.

    Other finance options include:

    Funding for an acquisition
    Property development loans
    Bridging loans
    Factoring and discounting
    Plant and machinery finance
    The right product for you will depend on how much finance you need and what you want to use it for, so make sure you have these details in mind when you speak to an independent property finance professional.

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