Property Investment finance is a term loan that is used to purchase, or refinance, residential or commercial property that is let to a 3rd party. The loan costs will be serviced by the rental income that is received from the tenants. First Capital Consultants can help with all property types and tenancy arrangements, including:

• Residential property (BTL's)

• House of Multiple Occupation (HMO’s)

• Multi-Unit Freehold Blocks (MUFB’s)

• Retail and Commercial units

A commercial mortgage is a long term loan used to purchase your own business's trading premises. This could be cheaper than paying rent. This could be for:

• Offices

• Warehouses

• Shops/ with residential above

• Restaurant

First Capital Consultants will search the whole of the market to find the right lender for you.

First Capital Consultants can assist an experienced property developer or somebody looking for a first-time project. We have direct access to a wide range of lenders that offer a variety of loans to suit individual circumstances. First Capital Consultants recognise that all developments are unique and therefore must be individually assessed. We have the knowledge and experience to guide you through this process.

A trading business may require shorter term funds to assist with cashflow. Improving cashflow may help with growth plans whereas purchasing an asset may improve the efficiency of the business. Purchasing your own trading premises may improve your business’s credit rating through your balance sheet strengthening. First Capital Consultants has access to a wide range of lenders that have appetite to support businesses across all sectors.

Bridging loans are typically for a short period, often up to 12 months, but can be longer in some cases. Bridging loans are secured against an asset, most commonly a property, which means the lender has recourse to the asset if the borrower defaults. Bridging loans can be arranged much faster than traditional mortgages or other long-term finance options. 
Bridging loans can also be used in business to cover short-term funding gaps, such as between a payment being due and another source of funding becoming available

In addition to our own experience and advice, First Capital Consultants are able to introduce businesses to a variety of experts in the following fields:

• Tax advice

• Property development joint venture partners

• Equity providers

• Accountancy

• Solicitors