Investment Mortgages

You are buying a new investment property:

Few people have sufficient cash resources to purchase a property outright, and even if they did, that might not necessarily be the best financial decision. As such, most buyers would take a mortgage over a long period of time.

We can also look to use existing properties you own to “gear up”, meaning that the cash deposit to purchase a new property could be reduced or even eliminated altogether if you have sufficient equity in other properties to use.

We recently helped an Investor buy a new investment property that had come to the market. He had a large amount of his cash tied up in a development project so didn’t have a cash deposit for the purchase, but he didn’t want to lose out on the opportunity. We looked at his existing portfolio and identified which of his properties held the most equity. We then approached a lender in order to refinance three of the properties at better rates, releasing sufficient cash for his deposit on the new property.

You are at the end of your existing mortgage:

Many lenders offer fixed rate deals that, once they expire, revert to a standard variable rate which in most cases is more expensive than the initial rate.

At this point we can research the market in order to get you a better deal.

Positive Commercial Finance has access to the whole of market. We use our vast experience to facilitate the most suitable mortgage available via the high street and specialist lenders.

You need some extra cash for a project

If you have a property that has lots of equity within it, we can look to release this providing the rental income is sufficient to make repayments.

Personal circumstances may change

Many people manage to obtain finance even though their credit history isn’t the best, albeit the finance will probably be at a premium rate. Over time, once the credit report improves, we can help you to take advantage of this by obtaining cheaper finance from more mainstream lenders, who offer cheaper rates to those with “clean” credit.