Be it to owner occupy or rent out, funds are readily available

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Welcome to Property Finance

Buying a property to live in or to buy as an investment, is one of the biggest events in a person's life.  The financial commitment and associated costs can be immense.  It is imperative that the client is guided through the process by an experienced and independent brokerage.  It is vital that the funding package is the most appropriate for the client.  A client who is purchasing or refinancing needs to know that they are not alone and have an adviser to turn to for support, knowledge and empathy.  In working with R & E Finance the client will find all these qualities.

Commercial Mortgages

For the business that wishes to buy its own premises to operate from or the investor who wishes to buy a building to then rent out, a variety of commercial mortgages are available to choose from.

Residential Mortgages

As a broker directly authorised with the Financial Conduct Authority, R & E Finance is able to arrange a residential mortgage for clients who are:
• A first-time buyer.
• A second time buyer.
• A client with adverse credit.
• A self-employed client with only one year's accounts.
• A client wanting to buy a shared ownership property.
• A client wanting to buy increasing amounts of the equity in a shared ownership property.

Equity Release

As an independent broker, directly authorised with the Financial Conduct Authority, we can approach the whole of the market for our mature clients, who are wishing to release money from the equity in their house

Mortgage into Retirement

Mature individual(s) who are able to prove ongoing income by way of employment or self employment, can have a mortgage up to the age of 90 on an interest only basis and up to 75% loan to value.

Holiday Let

"Staycation" is becoming very popular in the U.K and many investors are moving into this fast-growing sector.  Based upon the forecast income of the property, it is possible to arrange a high loan to value facility at competitive interest rates.  Such facilities include:
• Bridging to purchase and improve the property.
• Long term funding to purchase.
• Long term funding to refinance and release equity.

Residential Bridging

Investors who wishes to:
• Buy a property at auction.
• Carry out a light refurbishment programme.
• Carry out a heavy refurbishment programme.
• Release equity.
• Quickly complete a transaction.
We, at R & E Finance, can approach the whole of the market for our clients.

Buy to Let

For the experienced landlord or first-time landlord, funding is available on:
• A single unit property.
• A house of multiple occupancy.
• A multi-unit freehold block.
• A portfolio etc.

This finding could be to:
• Purchase
• Refinance.

Regulated Bridging

Client who wish to:
• Buy a house to move into before selling their current property.
• Release equity for working capital.
• Purchase an investment property and complete quickly.

This office can arrange such funding on a first or second charge basis.

Semi Commercial Mortgages

The property that has residential accommodation above a retail business, a pub etc, a long-term mortgage for investors can be arranged at a high loan to value and competitive interest rates.

Commercial Bridging

An owner occupier or a landlord investor may wish to:
• Release equity for working capital.
• Purchase a property and complete quickly.

This office can approach the whole of the market on behalf of our client.