A lifetime mortgage is a type of equity release that allows you to unlock cash from the value of your home. Equity release gives people aged 55 and over, who have money tied up in their home the ability to release equity from the property without having to sell it or make monthly repayments. You […]

AdviserFinance has a wealth of experience in the mainstream mortgage market. As whole of market advisers we are able to find the best possible deals for your purchase or remortgage, on both a residential basis and buy to let. For most people, a mortgage is the largest financial commitment they will make and having the […]

‘One size’ rarely fits all in terms of mortgages. There are numerous potential hurdles to overcome from the way you earn a living, or your credit score, to the type of property you want to purchase or the reason for the financing. For these alternative home solutions, you will need access to more than the […]

A second charge mortgage, also known as secured loan, is secured on a home or investment property. They are called second charges because they have secondary priority behind your first mortgage when it comes to repaying the loan. Often used as an alternative to remortgaging, they are a great way to raise funds for a […]

Bridging finance (also known as a bridging loan) is a short-term finance option where a sum of money is lent solely for the purpose of paying a debt until longer-term finance, such as a mortgage or funds from another source (the sale of a property or receipt of an inheritance perhaps) becomes available, thus ‘bridging […]

A commercial mortgage is any loan secured on property which is not your residence. Commercial mortgages are often aimed at businesses looking to purchase property to trade from, or to generate a rental return; but this type of finance can also assist when the mainstream buy-to-let lenders cannot. If you’re looking for a commercial loan, we can […]

Balancing cashflow is a challenge for many businesses, big or small. Even with the best-laid plans businesses can often hit bumps in the road that can leave firms in a precarious situation. Sometimes it can take weeks for mainstream lenders to agree to a loan. This is where cashflow lending comes into its own; short-term […]

Asset finance is a type of finance used by businesses to obtain the equipment they need to grow. It usually involves paying a regular charge for use of the asset over an agreed period, thus avoiding the full cost of buying outright. The most common types of asset finance are leasing and hire purchase. Asset […]

Development finance is a type of short-term finance (usually between 12 and 18 months) used by individual businesses, partnerships, or limited companies to purchase a building plot or new build, or to convert or renovate an existing property. This is a specialist product that tends to be offered by specific lenders, however with our knowledge […]

Landlord tax changes and new buy to let affordability assessment rules have caused an influx in the popularity of purchasing investment properties via an SPV limited company, especially for those who own investment properties already and/or are higher rate tax payers. A portfolio landlord is defined as an individual that has 4 or more investment […]