Services

Mortgages for all types of business

The Financial Conduct Authority does not regulate some forms of commercial mortgages.

Winning Commercial Finance will arrange the most competitive commercial mortgages for your circumstances for any property type including:

Lenders Panel

We work with owner-occupiers and investors alike whilst also being able to provide SIPP and SSAS pension mortgages.

As an independent broker and commercial finance consultancy, we provide access to variety of mortgages and lenders from our extensive panel. We operate a system which encourages lenders to competitively tender for our clients’ mortgage applications: this ultimately means better rates and terms for our clients.

All of the mortgage deals brokered by us are designed around our clients’ needs and cover the entire range of mortgage options including:

Refinance commercial property

When clients already own property for their business or investment purposes and they need to raise funds we can advise on remortgage options, releasing funds quickly and efficiently.

Unlike residential mortgages, commercial loans can be used for a variety of purposes including purchasing additional business premises, expanding a business, debt consolidation, cashflow, and property development.
Pricing models can be complex and our lenders will consider a number of factors such as the security available, financial accounts, clients’ experience, and credit history.

Winning Commercial Finance Ltd will guide you through this minefield to ensure you get the most appropriate deal for you.

Winning Commercial Finance Ltd. can guide you through this minefield to ensure you get the most appropriate deal for you.

To find out more, call now on 07398 566701 

Development and Construction Funding

Through our extensive relationships with lenders, our consultants are able to offer creative and innovate solutions to assist any and all property developers. The more challenging the opportunity, the more we help.

We arrange funding for all residential and commercial development projects even if you are a first-time developer. Regardless of your experience level, credit history, or development project we will help.

Our lending partners are usually specialist development lenders or private funders: not only will they assist you in the purchase and development but, if required, will offer sound and practical advice and guidance throughout the build.

Cost overruns can be a problem, especially with barn or similar conversions, and when this happens the last thing you need is an unhelpful or unsympathetic reaction from the lender.

We only deal with lenders with whom we have a successful track record, which demonstrates that if there is a problem they will help. A specialist lender will only get its money back once the build is complete and the units are sold so it is in its best interest – and yours – to finish the project and move on to the next one.

When we work with you, we offer:

Our development funding case studies explain more about how we can help you. For more information, please contact:

hello@winningcommercialfinance.co.uk

To find out more, call now on 07398 566701 

The Financial Conduct Authority does not regulate some forms of commercial bridging finance.

We are a Credit Broker not a Lender.

Business owners and individuals are often looking for ways to solve their short-term financing requirements, and a bridging loan can address this need. The UK bridging finance sector has grown dramatically in size over the last few years and is now worth an estimated £4bn. Traditional banks are increasingly being joined by a new wave of lenders willing to offer this type of financial arrangement.

Bridging loans are usually offered for terms from one month to two years and are typically in the form of a short-term mortgage secured against a residential or commercial property or land on a first or second charge basis. To secure bridging finance, a clear and viable exit plan is required and we will help you put this in place.

Borrowers usually need to get access to bridging finance as speedily as possible, and it can be daunting and time-consuming to find the right loan without professional help. We provide a responsive service that offers practical and informed advice when it’s needed most. Our market insight and understanding of the criteria that lenders apply helps us source the right deal for your business needs.

As a mortgage is secured against your home or property, it could be repossessed if you do not keep up the mortgage repayments or any other debt secured on it.

We can help businesses not only to raise money to buy equipment and assets but also to release capital from the assets they already own through our asset finance solutions.

Whether you’re a small sole trader needing to purchase a new vehicle or a large limited company looking to replace your machinery, The team at Winning Commercial Finance can help arrange the best possible asset finance.

If you identify with any of these, we can help:

Perhaps most important, you want the best rates and the most appropriate terms on the market…and that’s where we come in.

Asset Finance Solutions Include:

Hire purchase

This is the most traditional form of asset finance when you want to own the asset outright. Interest charges can be either on a fixed or variable rate profile. The finance term can be structured to suit individual company cash flow requirements from 12-84 months and a residual (balloon) payment can be introduced to lower the monthly finance repayment.

Finance lease

Different from Hire purchase in that ownership never passes to the named customer/hirer in the finance agreement. The finance company effectively owns the asset, which is then rented to you over a predetermined period of time. At the end of the agreed finance period, you typically have the option to either retain the use of the asset by paying a ‘Secondary Period Rental’, sell the goods to a third party (on behalf of the finance company) or return the asset(s) to the finance company.

Operating lease

An Operating lease arrangement allows you to enjoy the usage of a vehicle or piece of equipment without incurring some of the risks of ownership such as depreciation. The funding provider will take all the risk of the future value of the asset. This enables you the full use of the asset throughout the agreement with the added benefit of a built-in residual value, thus reducing your monthly rentals.

The team at Winning Commercial Finance will help you decide on the best option for you and then we will secure the best possible deal in the market to allow your business to purchase the assets that it requires on the best possible terms.

Refinance existing assets to raise funds

If you need an injection of cash for any reason, perhaps to pay or part-pay a loan or finance agreement or to pay for an expansion to your business, we can help you to raise money through refinancing your existing assets.

Your capital could be freed up immediately, offering you a way to generate finance quickly and efficiently. We can help you to identify assets that you can use and advise on the most appropriate deals and lenders in the market.

To find out more, call now on 07398 566701 

Your property may be repossessed if you do not keep up on repayments on a mortgage or any other debt secured on it.

Whether you are an experienced property investment, we can find a product for you.

Experienced investors know that property, whether commercial or residential, needs to be held for the medium to long-term to maximise their investment. Property Investment is not for the short-term investor who wants to make money quickly and move on. So property prices – which have been falling and may drop further – are only part of a much bigger picture.

In many ways, there has never been a better time to invest in property. Rents are high and there is good demand for both residential and commercial property.  Importantly, there is no sign of demand declining.

A specialist lender will charge interest rates in the region of 1.75% to 2% above the bank base rate for Property Investment purchases, with interest-only for the entire term if required and repayment terms of up to 25 years to help with cash flow. A longer term can help the rent to cover the repayment to the lender.

The deposit for the purchase may not be as high as you might think and 100% funding can be arranged with suitable extra security.

Residential Investment

If people cannot, or do not wish to, buy a home, renting is the usual alternative. At present, there are more potential tenants than rental properties available.

However, in choosing a residential investment property, it is important to have a property that will be in demand. Houses are a better investment than flats and three-bed houses are more popular than two-bed.

We are currently placing large amounts of new and remortgage finance for:

Commercial Investment

Many large companies own very little or no property for a number of reasons, including the need to guarantee their cost base.

Renting a property, even if rent increases are built in over time, still allows a company to accurately budget their property costs.  As an investor, you can take advantage of this and we have recently arranged finance for:

To find out more, call now on 07398 566701 

What is Invoice Finance?

Invoice Finance is a commercial finance product which is used to release funds to a business, with outstanding invoices used as security. It is an area of business borrowing that has been under-utilised in recent years.

This highly flexible form of borrowing can be used to free up funds from your debtor book, relieving the pressure placed on your cash flow. Many businesses are turning to this option to take back control of their finances and allow them the breathing space needed to move forward.

As experienced brokers, we are able to offer a wide range of solutions, from full invoice factoring to selective invoice discounting. We can help you free up capital and ease cash flow at market leading rates by unlocking funds tied up in your unpaid sales invoices. Contact us for a free no obligation quote hello@winningcommercialfinance.co.uk

To find out more, call now on 07398 566701