As private lenders we are often able to help you if the big banks and more traditional second tier lenders can’t meet your financing requirements. Private lending can also be a good option if you are bridging a funding gap or shortfall, however to meet our lending criteria, the loan must be only for commercial purposes. 

A bit more about how we may be able to help you and what we require in order to do it:

• As private lenders we require property as security with either a first or second mortgage.  We will need to know the purpose you are borrowing the funds for, and how you are planning on repaying both the interest and the capital you borrow.

• As a private lender, our 'Loan to Value Ratio' is anywhere between 50% to 65%, so if you are buying a property you will need either other property you can offer as security or a large deposit large enough to fund the remainder of the purchase price, plus any other costs associated with the purchase (e.g. stamp duty).

• The interest rate we offer you will be dependent on the individual merits of your loan.

• The term can be anywhere from six to 36 months, during which time we require you pay the interest monthly. There is also an option to pre-pay interest.

• Our fees as a private lender are similar to a normal lender.  After an initial conversation to establish whether we can help you, we will send you an indicative offer which is subject to due diligence.  If you are then happy to proceed then the usual fees would apply which can include an application fee, costs to have a valuation of any security property, legal fees for our solicitor to prepare the agreement and an establishment fee.

• Our advantage is we are able to provide you with quick answers and tailored private loan solutions to help you achieve your objectives.

• As private lenders we can help you with:

          - Purchasing or refinancing a commercial property
          - Purchasing or refinancing a industrial property
          - Purchasing a property for development

How It Works