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Kingswood Associates is a specialist firm of commercial finance brokers, dealing with all aspects of a client’s commercial finance needs. The areas we specialise in include commercial and semi-commercial mortgages, bridging and mezzanine loans, development funding, asset finance, self build and renovation mortgages, cash flow funding, business start-up and rescue loans.
We have also been arranging Buy-to-Let mortgages since 1997, before they were even called Buy-to-Let! Our experience here is crucial, as with the right planning now, huge amounts of tax can be saved, as well as a client’s portfolio reaching the size they want as quickly as possible.
We have excellent relationships with all lenders, enabling us to negotiate the most competitive deals at every opportunity. We are members of the National Association of Commercial Finance Brokers and abide by both codes of conduct.
Buy to Let mortgages
Kingswood Associates is a fully independent mortgage broker which specialises in the sourcing and providing of Buy to Let mortgages. We have been advising and assisting Landlords since 1997.
We are experts in investment property and offer more of a service than simply brokering finance, we will assist you throughout the entire process. Kingswood will happily review your property portfolio to ensure that your investments are funded in the most tax efficient and cost effective manner.
Kingswood has excellent relationships with all lenders, enabling us to negotiate the most competitive finance at every opportunity. With access to some 150 lenders, and thousands of mortgages and re-mortgages, we can find the best loan available for you.
We take care of the endless chasing and paperwork, making the process as hassle-free as possible. We strive to deliver a fast service because we know that time is money, and have previously taken mortgage applications through from sign-up to offer within a week!
Our client list contains thousands of landlords, many using our services for every property they invest in. We have helped many landlords build up their portfolios from their first investment property to over a hundred.
The range of funding for residential investment properties has increased dramatically over recent years. We are able to arrange your mortgage requirements, and by looking at your overall situation, structure them in the best possible way, to allow for future portfolio expansion.
We can arrange Buy to Let funding for all situations, including:
• Individuals or Limited companies
• Portfolio and single properties
• Properties converted into flats
• Students and DSS Tenants
• Company Lets
• Houses in Multiple Occupation (HMOs)
• Ex Local Housing Authority properties
• Properties in Trusts
• Expatriate Landlords
• Flats above Commercial properties
• Self-Certification of income
• Council & Housing Associations tenants
• Interest Only option
• Auction purchases
• Mortgages and Remortgages
• Adverse credit, CCJs, IVAs, previous Bankruptcy
Call our dedicated Buy to Let team now on 029 2035 3085 to discuss your options further or fill in our online enquiry form and we'll be in touch.
Commercial Mortgages
There are a wide range of providers offering a wide range of commercial finance products. The vast number of lenders that offer commercial mortgages means that finding the most competitive and appropriate loan can be a very confusing, and sometimes costly, exercise.
Kingswood Associates are specialists in this field, and as our finger is on the pulse, we are able to locate the required funding very quickly. The volume of business we transact allows us to negotiate the best possible terms for our clients.
We deal with all sectors of the market and ensure that the service is fast and efficient, with the lending structured in the most tax efficient way.
Whether you are considering buying a building as an investment to rent out, or as premises for your business to use as an owner-occupier, then we can source funding.
We have special products available for current Tenants and the Professions.
• Nursing and Care Homes
• Doctors, Dentists, Vets
• Accountants, Architects, Solicitors
• Tenants Purchasing Freehold (up to 100% LTV, subject to tenant discount)
• Hotels, Restaurants, Pubs, Guest Houses
• Warehouses, Industrial Units, Factories
• Offices, Shops, Post Offices
• SSAS and SIPP lending
• Motor Trade
• Agriculture, Horticulture, Golf Courses
• Rates from Base +0.75%
• Purchase and Remortgages
• Status and non-status lending
Call our dedicated Commercial Mortgage team now on 029 2035 3085 to discuss your options further or fill in our online enquiry form and we'll be in touch.
Property Development funding
Kingswood specialises in providing property development finance for both residential and commercial property developments. We have arranged finance for all types of development, ranging from single residential developments to multi-million pound mixed-use projects.
Cash when required is the most important financial aspect of a development, as a delay in completing can seriously damage the profitability, and sometimes the viability, of a project. We understand the developer's needs and can make sure that these situations do not arise.
Property development finance can be arranged on an interest only basis and interest can be "rolled up", meaning it isn’t payable until the end of the loan term.
Some of our lenders provide up to 100% of the overall cost of a project, including land and building costs. Through Equity and Mezzanine financing we can reduce the amount of development capital that is required for projects.
We provide full assistance with initial property development appraisals, ensuring projects are feasible to lenders.
After the development is finished, we are also able to assist with the ongoing sale of properties, or if preferred, raise finance against them to allow the assets to be retained.
• Up to 100% of overall cost
• Owner Occupier or Investment
• Commercial or Residential
• Equity and mezzanine funding
• Restructure of existing arrangements
• Pre-let, pre-sold or speculative
Call our dedicated property development team now on 029 2035 3085 to discuss your options further or fill in our online enquiry form and we’ll be in touch.
Bridging Loans
Bridging finance (also often referred to as Swing or Gap finance) is a source of short-term mortgage secured in most cases by a charge on land or property. Typical examples of when bridge finance is needed include when people buy a second property before they've sold their first, or have just purchased a property at auction. Whilst slightly more expensive than conventional bank loans and mortgages, a bridging loan offers many advantages for the commercially aware borrower:
• Bridging finance can often be delivered within a few days of application
• Bridging loans can be non status, i.e. income details, historical accounts, cash-flow projections will not be required
• The loan is based on the open market value of the property, irrespective of the purchase price, meaning in certain circumstances 100% funding of the purchase can be achieved
• Bridging finance can be a useful tool when negotiating the purchase of a property as the borrower can complete within a short space of time.
A classic case for this type of funding is where a property is being purchased at a discounted price. The bridging loan would be used to fund up to 100% of the purchase price, whereas conventional funding would be based on the lower of the purchase price or valuation. The bridge is used for a short period (a couple of weeks or months) whilst the property is refinanced onto more conventional long term funding.
Although traditionally used to buy property or businesses, bridging finance can be used for a number of other reasons such as holidays, weddings, home improvements and renovations, or improving cash flow.
Kingswood arranges commercial and residential bridging loans every day and funding is often completed within a week. We have relationships with all of the lenders and know which ones are most suitable for your situation, allowing us to ensure that finance is in your account as quickly as possible.
Call our specialist bridging team now on 029 2035 3085 to discuss your options further or fill in our online enquiry form and we'll be in touch.
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