Alternative Finance

Simply put, Bridging Finance is for when funding is required quickly for a short period. Bridging Finance is designed to “bridge” a gap in funding, usually between 1 month and 1 year. Types of scenarios where a bridging loan would be suitable would be, an uninhabitable property such as where structural work is required, an auction purchase or the purchase of a new home prior to selling your own. There must be a plan of how you intend to repay the short-term loan, known as an exit. An exit strategy could be the sale of the securitised property, re-finance to a mainstream lender when works are complete, or the sale of the property being purchased with bridging finance.

The bridging market has become somewhat saturated, with many lenders now active in the marketplace. Whilst competition sees some extremely attractive rates being offered, it can lead to confusion. CPF has experience in the short-term funding market and are on hand to find the right solution for you.

Traditional mortgage lenders will only lend on a property that is built, (not wishing to state the obvious). So, what if you have a piece of land you wish to build your dream home on, or 10 new houses to sell. This is where development finance comes into play. Development finance is designed to fund building projects. These building projects can come in all sizes, from your first project building your dream home to a property company working on multi-unit schemes.

The market for development finance has grown over the years, with many specialist lenders offering a wide range of products, as well as joint ventures. This means receiving the right advice is even more crucial. At CPF, we will assess your personal funding requirements and arrange the most appropriate and suitable financing structure.

Commercial finance is a mortgage secured against commercial property. There could be a wide range of reasons to use a commercial loan. You could be buying or re-financing an office building, a retail shop, a pub, an industrial warehouse, or a block of flats. Commercial finance is more complex than traditional mortgages and it is vital to receive the right advice. CPF have the experience to find the right funding solution for you.

According to the FCA, a high-net-worth (HNW) individual is a client who has an annual net income of no less than £300,000 or net assets of no less than £3,000,000, or whose obligations are guaranteed by a person with an income or assets of such amount.

HNW mortgages are designed to cater for complex income structures, whether that income is derived in the UK or overseas. There may be scenarios where the client is asset rich but has little provable income. It is possible to arrange funding for individuals with these types of scenarios, if we can demonstrate the client owns other assets which could be used to repay the loan, or we can give the lender comfort around the background of the client and the ability to repay or service the debt. This could be prepaying the interest for a set period of the loan term or pledging further assets with the bank. CPF are on hand to help with these types of scenarios.

London has long been a hot spot for international buyers. Offering some of the most prestigious addresses, beautiful architecture and world class shopping and educational institutions. CPF can help you raise the finance to purchase in the UK using tailored solutions. Whether you are buying as a second residence or an investment property, we work with international lenders and private banks to offer you the right funding solutions, regardless of your nationality.