Commercial Loans UK - 1st4 Secured Loans Solutions

1st4 independent commercial brokers provide a range of innovative and competitive commercial mortgage and loan products, secured against different types of commercial property.

From small family firms to large company organisations, and whether a borrowing requirement of £75,000 or £15 million AND ABOVE, 1st4 brokers will work with you to provide you with the most competitive commercial borrowing package your circumstances allow.

Buy to Let/Rent
Pubs - Hotels
Warehouses
Farms - Garages
Flats above Shops

THE UNDERWRITING PROCESS

An experienced Commercial Mortgage Consultants will undertake the following on your behalf:

Preparation of a fact find on your business and requirements for presentation to lenders. A site visit may or may not be necessary, depending upon the individual circumstances.
Identification and initial discussions with suitable lenders applicable to your business sector and requirements.
Continual monitoring of your case throughout the process.
A review of the terms offered by the lenders.
Assistance/presence at meetings with lenders to further assist in the ‘negotiation’ process until an acceptable formal ‘offer of facilities’ is made.

1st4 independent brokers deal with a wide and varied panel of UK and Overseas lenders in order to give clients the best possible choice, and to secure the best possible terms in today’s complex and ever changing environment.

Up to 79% Loan-to-Value on just bricks and mortar
Self declaration of income even with CCJ's or mortgage arrears
Up to 30 years term with no age limit
Self declaration of income with accountants letter for refinance
Self declaration with 12 months projection for purchase
60% Loan-to-Value on semi commercial properties, rate can be fixed for 4 years

HUGE RANGE OF COMMERCIAL FINANCE PRODUCTS
WE CAN ONLY HELP YOU, IF YOU CONTACT US!

Loan Size

£25,001 No maximum. The same care and consideration will be taken regardless of loan amount. However, 1st4 independent brokers are particularly adept at arranging the larger commercial finance facilities of over £10 million where the identification of the right lender and the subsequent negotiations will be critical to a successful outcome.

Term

Up to 30 years no age limit

LTV

Generally up to 79% applies
Up to 100% if additional security is available
Sitting tenants may also obtain up to 100% in some circumstances

Bridging Loans

Residential property
Up to 80% of Open Market Value. Rate 2% per month. Any purpose. (Correct at time of publishing, full details with application)

Commercial Property
Up to 70% of Forced Sale Value. Rate 2% per month. Any purpose.
If the loan requirement is less than the maximum stipulated above, then better terms may be available. (Correct at time of publishing, full details with application)

Fast Commercial Loan Application Form

Commercial Loan/Mortgage Application

To receive an "In Principle Offer" from our lending sources 1st4 require the following application form to be completed. To speed up your enquiry, all fields SHOULD be filled in.

HATE FORMS?
BEEN TURNED DOWN BEFORE?

NEED TO TALK TO A HUMAN?
YOU PHONE OUR
FREE PHONE
0800 169 5297

MAKE AN EXPRESS APPLICATION and "talk to a human"... JUST FILL OUT THE REQUIRED FIELDS IN RED AND A QUALIFIED COMMERCIAL BROKER WILL CALL YOU BACK FOR FREE!

Details of first applicant

Name:

Occupation:

Address:

Postcode:

Tel:

Mobile:

Assets:

Private House (Value):

Other Property (Value):

Details of Business to be purchased or refinanced.

Name of business:

Type of Business:

Purchase Price/Valuation:

Freehold/Leasehold :

Borrowing Requested

Loan Amount:

Term (years):

Have you approached any other Lender/Broker in connection with the project?

Yes No

Do you have any county court judgments (ccj) or loan defaults

Yes N0

IS THIS A FAST TRACK APPLICATION FOR PROPERTY BOUGHT AT AUCTION?

Yes N0


HELP REDUCE FORM SUBMISSION SPAM BY ANSWERING THE QUESTION BELOW BEFORE CLICKING THE SUBMIT BUTTON
What colour is an orange?

Declaration
I/we, understand that this is a request for further information and doesn't represent an offer of finance facilities. All loans are subject to status.

E-mail Address:

About The "Form"

Once you submit the form an experienced commercial mortgage broker will contact you within 12 to 24 hours (if the application is made during normal working hours, your reply will be almost immediate) to discuss your requirements. Please TRY to have as much information to hand as possible. This will help speed up your application and avoid costly time wasting.

Other areas that 1st4 brokers are also actively involved in arranging funding packages for, secured against commercial properties are:

Bridging Loans – status and non-status (ie applicants with CCJ’s, poor credit history, no income proof). Up to 70% of forced sale value of property available.
‘Development’ loans for builders, up to 60% of projected end retail value of site available.

Fast Track Loans for Properties Bought at Auction

ONE HOUR TURN AROUND FOR APPLICATION RECEIVED WITH FULL CONTACT DETAILS.

Fax starter documents to you
Accept documents back by Fax to start the process (original to follow)
Valuation fees taken by credit card (no cheque to clear)
Less than the full deposit? Other security may be taken

How Does a 1st4 Broker Make the Money?

A 1st4 broker does most of the work that a direct lender does and therefore receives a discounted "wholesale" rate from the lenders s/he works with. 1st4 brokers will not generally cost more than working with a direct lender.
Where a loan (status or non status) is declined by the intended first lender of choice, or when that lender imposes conditions that are judged to be unworkable, 1st4 brokers repackage the loan file and easily submit the SECURED HOME OWNER LOAN, UNSECURED LOAN, NON STANDARD MORTGAGE, NON STATUS REMORTGAGE OR NON PROPERTY OWNER & TENANT LOAN to another lender within a day or two.
1st4 acts as an introducer for a wide range of lenders, loan brokers and financial institutions.
Quality control checks are carried out on a regular basis to ensure your enquiry has been dealt with in a timely and professional manner.
Everyone should think VERY carefully before committing to a loan, secured or unsecured. Borrowed money is THE most expensive money that money can buy!

WE CAN ONLY HELP YOU... IF YOU CONTACT US
NEED TO TALK TO A HUMAN?
YOU PHONE OUR
FREE PHONE 0800 169 5297

ALTERNATIVELY
CLICK HERE
A 1st4 BROKER WILL CALL YOU BACK 4 FREE!!

SECURED HOMEOWNER LOANS | UNSECURED HOME OWNER LOANS
TENANT NON HOME OWNERS LOANS | COMMERCIAL MORTGAGE | MORTGAGES
REMORTGAGES | NON STATUS & LOW CREDIT RATING SOLUTIONS

Fast Track Mortgage and Loan Completions for Properties Bought at Auction

More than half of all borrowers are continuing to pay over the odds for their mortgage each month.
YOU HAVE NOTHING TO LOSE
APPLY FOR YOUR "RATE SMART" RE-MORTGAGE TODAY!

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LOANS SECURED ON YOUR HOME.

THINK CAREFULLY BEFORE SECURING OTHER DEBTS AGAINST YOUR HOME. YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

1st4-secured-loans.co.uk act as an introducer for Central Capital Limited an independent finance company who are authorised and regulated by the Financial Services Authority
Central Capital Limited Registered Office: The Atrium, St. Georges Street, Norwich, Norfolk NR3 1GT. Registered in England No. 2168047.

Whilst every effort has been made to ensure that the facts here are correct, no liability is accepted for any errors contained herein or for any loss resulting from actions taken.
OFFICE OF FAIR TRADING - CREDIT LICENCE NUMBER 525142

Unless stated all loan products are intended for people living in the United Kingdom.