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Welcome to Independent Financial Services (Commecial) the specialist Property & Business Finance Adviors

We aim to help you with the knowledge and funding choices to enhance your wealth in property investing and developing. We specialise in the buy to let and investor market, & property development with independent advise

Express Bridge Finance, First and Second Charge Loans, Semi-commercial & Residential Investments (can be pre-let, pre-sold and speculative) Bridging Loans for short term finance, Mezzanine Finance as additional layer funding - Buy to Lets, Let to Buys, Buy-to-Let Port-folios and refurbishment and development funding, Bridging Finance, and structured finance. Please get in touch how we can deliver a solution to you....

Equity and joint venture projects brokered for larger property development projects in the UK and international basis

We are approachable, easy and friendly to work with...Our services do not end at the stage of obtaining a funding line for our clients. We go to the market, and then with care analyse and discuss with you the best route and why. We are not simply lowest interest rate driven but deal driven. As we are seeking consistency and mutual understanding from all parties involved. We work with the lenders, specialist solicitors and insuers to provide an efficient and speedy completion. Our approach is hands on and pro-active.

We are independent commercial finance advisors, and not tied to any one bank or product provider. We seek to empower you to make the right decision with a range of bespoke financial services in accordance to your specific needs and circumstances.

We can help you if you seek 'Bridge Finance' or other finance solutions for your next project:

You can fill a simple ‘ Quick Enquiry’ form and we will telephone you back at your convenience to discuss in confidence your needs and circumstances. Click here>>>. Or Alternatively telephone 0845 4860 786 Or Fax 0845 8051677

You can fill a ‘Commercial Enquiry Form’ so we can search the market for a suitable mortgage in accordance to your needs and suitability. Click here >>> Or just call for advise or guidance the initial consultation is FREE to discuss your options....

 

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This website is owned and a trading style of Independent Financial Services (commercial) which is not regulated by the Financial Services Authority (FSA). Its primary focus is business and commercial finance & related business solutions and consultancy services. Independent Financial Services (Commercial) works with a range of associated financial Advisers and Product Providers who are regulated and authorised by the Financial Services Authority (FSA) as introducers for FSA regulated products and services. Current FSA regulatory regime can be read by visiting FSA's website www.fsa.gov.uk/register/ or contacting the FSA on 0845 606 1234.

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Independent article by:

Jenny Austin

'Bridging Finance – Advantages and Disadvantages'

- Posted: Jul 16, 2008 . All rights ackowledged.

The most important advantage of using Bridging Finance is that you can complete the purchase of a new property before the sale of your existing property has completed. As organising the sale of your existing property and co-ordinating the purchase of a new property can be extremely difficult and create stress and pressure. If there is enough equity in your existing property you may be able to incorporate the finance needed for all of the fees involved. A Bridging Finance Loan is a temporary home loan which enables a purchaser to buy the property of their choice without being held up by the lengthy sales process. This can be a huge plus when you find the property for you and you do not want to risk losing it through a lengthy chain in your sale. You can also use Bridging Finance to avoid moving into rented accommodation and move straight into your new home.
Bridging Finance also has the advantage of having a quick process and has many different uses. It can be used for funding auction finance, first and second mortgages, home renovation and refurbishment, new-build development and construction as well as debt consolidation. Many Bridging Finance providers offer a option to defer fees to be charged until the completion of your sale and then added to your new mortgage, this can be useful in keeping the costs down.
There are several disadvantages when using Bridging Finance that you should be aware of before choosing this route. You may be required to have sufficient equity in your current property to support the purchase of both properties. As well as this you should also note that until your existing property is sold your interest payments will keep adding up, this can lead to difficulties if you do not sell your property quickly. Taking out a Bridging Finance home loan may force you to sell your property at a price lower than you wish to due affordability. You will be charged interest on the entire amount of the new loan. A Bridging Loan is only designed for short term use to bridge the gap between your purchase and sale usually only between 6 to 12 months, obviously the shorter the term of the loan the less cost there will be to you.
When using Bridging Finance you will pay a higher rate of interest this is because Bridging Finance is seen as riskier by the lender. It can be difficult to find a bridging loan this is because the risks are high so not many lenders are involved in the bridging market. There usually is a large amount of paper work and money involved as the finance covers two properties. As the loan is short term lenders do not make the same kind of money as with a traditional mortgage. This makes providing Bridging Finance less attractive for lenders and subsequently results in there not being many available lenders in the market. So when you need a bridging loan quickly this can be awkward, if possible strike up a relationship with an institution that provides bridging finance before the time arises. As a bridging loan can be costly you should be absolutely certain that the property is worth it. If you really cannot do without the property then bridging finance could possibly be the best solution.
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www. Express Bridging .co.uk