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At Fairstone, we do more than help you secure the best possible rates for your home. Our experts offer tailored advice on commercial and specialist property finance solutions, offering guidance across the whole of the market.
Whether you’re looking to expand your property portfolio with a buy-to-let mortgage, secure funding for a commercial venture, or explore options like HMO mortgages, secured loans, or bridging finance, we’re here to help.
Our expert guidance ranges from development projects to marine finance, our specialists will work with you to identify the most suitable financial products to meet your needs and goals.
Specialist property finance refers to a range of funding solutions tailored to unique property or investment needs, including buy-to-let mortgages, bridging loans, commercial mortgages, development finance, and secured loans.
Buy-to-let mortgages are designed for properties intended to be rented out. They often require a larger deposit and focus on the rental income potential rather than personal income for affordability assessments.
Yes, buy-to-let mortgages are available for first-time landlords. Lenders may have specific criteria, such as minimum income levels and deposit requirements.
Yes, specialist lenders provide buy-to-let mortgages tailored for limited companies and special purpose vehicles (SPVs), often used by property investors for tax efficiency.
A bridging loan is a short-term financing option to “bridge” the gap between purchasing a property and securing long-term financing or selling another property. Common uses include auction purchases and property refurbishments.
With streamlined processes, a decision in principle for a bridging loan can often be secured within 24 hours, and funds can be available shortly thereafter, depending on circumstances.
Bridging loans can be used for both residential and commercial properties, including non-mortgageable properties, auction purchases, and properties requiring significant refurbishment.
A commercial mortgage is a loan secured against property used for business purposes, such as offices, retail spaces, or warehouses. It is often used by businesses to purchase or refinance premises.
Rates depend on factors such as loan-to-value (LTV), property type, repayment terms, loan size, credit history, and income cover.
Yes, 100% LTV commercial mortgages are possible with additional security, such as another property or asset.
Development finance provides funding for property development projects, including construction, renovation, or large-scale refurbishments. It is typically released in stages as work progresses.
Development finance is available to a wide range of clients, including first-time developers, SMEs, and experienced property professionals.
A second charge loan is a loan secured against the equity in a property, sitting behind the primary mortgage. It allows borrowers to release funds without remortgaging.
Second charge loans can be used for various purposes, including home improvements, debt consolidation, raising a deposit for property purchases, or funding business investments.
Yes, second charge loans are available to landlords and can be secured against buy-to-let properties.
Buy-to-let mortgages typically offer up to 85% LTV, while commercial mortgages usually range from 65% to 75% LTV.
Yes, bridging loans are commonly used for auction purchases, offering fast funding to meet tight deadlines.
Many bridging loans come with flexible terms and no early settlement fees, allowing borrowers to repay early without penalties.
No, many specialist finance providers, do not charge upfront fees for a decision in principle.
An independent broker offers access to a wide range of lenders and products, ensuring tailored advice and the best deal for your unique financial circumstances.
We have over 1200 local advisers and staff specialising in investment advice all the way through to retirement planning.
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