Bespoke
Property & Business Finance Solutions

With Finanze, it’s personal. Providing bespoke solutions for bridging, buy to let, development finance, residential and commercial mortgages along with business finance for private and corporate clients.

AN INNOVATIVE BESPOKE PRIVATE BROKER

We focus on exceptional
advice, service and diligence
for discerning clients.

We like to get involved as early as possible in a transaction, providing guidance on various products and strategies that could be useful, before helping customers to run comparative analyses on different scenarios. Sometimes the customer will be advised not to invest if the timing isn’t right, or the deal doesn’t make sense given their personal circumstances.

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PRODUCTS

BRIDGING LOANS

Bridging is used as short-term finance for buying and/or refurbishing a property. With LTVs up to 80% and rates from 0.4%, if you are looking for a quick injection of capital, bridging may be right for you.

BRIDGE TO LET MORTGAGES

Most BTL mortgages won't allow any significant refurbishment and need tenants in situ. If you need to renovate the property and want to save on paperwork and fees, a Bridge To Let may be more appropriate. This is a bridging loan and BTL mortgage rolled into one.

RESIDENTIAL MORTGAGES

If you’re planning on purchasing a property to live in and require the funds to do so you’ll need a residential (regulated) mortgage.

Purchasing your own property is a great way to save money each month as mortgage costs tend to be cheaper than renting for a similar size property and also a great investment for the future if property prices rise.

BUY TO LET MORTGAGES

Property all done up and tenants signed their ASTs? Time to get your equity unlocked with a BTL Term Mortgage. Up to 80% LTV available and Capital Repayment or Interest Only options, providing flexibility to pay off costs incurred or even use to buy the next property.

SEMI/COMMERCIAL
MORTGAGES

Whether you are looking to buy a new building for your business or want to release equity from your current one, a Commercial Mortgage can help you achieve that. Often with terms up to 25 years and longer fixed interest periods. A Semi-Commercial Mortgage may also be suitable if the property is mixed use between residential and commercial.

DEVELOPMENT FINANCE

Borrowing larger amounts, with the bulk upfront and the rest drawn over the build process? Development Finance is considered short-term lending to help developers with the purchase and build costs of a project. Finanze can also introduce you to JV and Mezzanine lenders to evaluate all your options. Suitable for residential, commercial and mixed-use projects.

BUSINESS
FINANCE

Business finance is the funding a business needs for commercial purposes. It is the money business owners require to start, run or expand a business. It includes business loans both secured and unsecured. Often used for funding inventory, equipment, marketing, cash flow and many other business needs.

FACTORING / INVOICE DISCOUNTING

Invoice factoring is a type of accounts receivable finance that is also known as ‘factoring’ or ‘debt-factoring’. Invoice factoring enables businesses to sell outstanding invoices (accounts receivable) to a third-party commercial finance company (a factor). Invoice discounting is a short-term borrowing against outstanding invoices – it enables you to sell unpaid invoices to a lender, who then gives you a cash advance based on the percentage of the invoice’s value.

ASSET FINANCE / LEASING

Asset finance is a flexible alternative to a traditional bank loan, providing significant cash flow benefits for businesses looking to purchase a new piece of equipment, a vehicle or other fixed assets. This type of finance is used to obtain equipment through hire purchase or equipment leasing agreements.