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Property Finance
Creative stand out by offering buy-to-let mortgages, consolidation mortgages, commercial mortgages and property refinancing as well as bridging loans and development finance.
Does your current broker do all that?
Find the tool you need to unlock the future you deserve
- If you need to refurbish – we can fund it
- if you need to build – we can fund it
- Property development & new builds
- Complex structured funding
- Business premise
- Investment properties
- Landlords
- Fast decisions
- High Loan to value
- Refinancing specialist
- An account manager you know and meet personally.
Explore our Property finance services
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Bridging Loans
Bridging the gap with a bridging loan
- A bridging loan is a short-term loan that can help you buy a property, renovate it, or take advantage of an opportunity without waiting for a regular mortgage or other financing.
- A bridging loan can be useful in various situations, such as buying a property with a gap in the chain, bidding at an auction, boosting working capital, paying unexpected bills, updating premises, closing on an ideal property, or securing long-term benefits.
- We work with you to establish a bridging loan that fits your needs and provide you with the necessary supporting information.
What is mortgage fraud and how to avoid it?
- Mortgage fraud is when you take a standard residential mortgage and then rent the property without informing the lender.
- This can lead to legal consequences and penalties.
- To avoid mortgage fraud, you need to apply for a buy-to-let mortgage, which is designed for landlords who want to rent out their properties.
Free yourself from leases, increase your purchasing power and invest in your business
- Refinancing can help you release equity tied up in your property and use it for other purposes, such as paying off debts, making new investments or improving your cash flow.
- Budget by securing a lower interest rate, a longer repayment term or a fixed rate that reduces your risk of market fluctuations.
- The first step is to assess your current situation and your goals for refinancing. You need to know how much equity you have in your property, how much you owe on your existing loan, what are the terms and conditions of your current contract and what are the benefits and costs of a commercial mortgage.
Consolidation
Debt consolidation is a strategy that can help businesses manage their existing debts more effectively. It involves taking out a new loan to pay off multiple debts from different lenders, such as credit cards, creditors, or suppliers. This can have several benefits, such as:
- Improving cash flow by lowering the monthly payments and interest rates
- Restructuring the debt into a more manageable and affordable plan
- Reducing the hassle and stress of dealing with multiple accounts and deadlines
Development Finance
Development finance is a type of loan that is based on the current and future value of a property project.
- It requires experience, budgeting and timely delivery from the borrower.
- It offers flexibility, speed and personal service from the lender.
- Creative is a broker that can access award winning development finance for property developers.