Revolution Finance Brokers

We are UK based finance Advisors offering business & property finance brokers services. Call 0203 326 0197 for a free finance advice.

Revolution Finance Brokers help business owners throughout the UK in commercial, business and property finance. Our job is to remove the ever-increasing number of hurdles that are put in your path by lenders.

With an ever-changing market, it is important to consult an expert broker to achieve the most favourable terms and interest rates available for larger mortgage requirements, whether for commercial premises or dual-use properties. Mortgage lenders base their offers on a combination of associated risk, the current business climate in the relevant sector, and the level of financing required.

If time wasn’t a pressing issue, every landlord in the country would always opt for the buy-to-let mortgage with the most affordable rate. However, there are certain situations in which a speedy deal is just as attractive as a cheap one, meaning cost isn’t always the bottom line. Before comparing and contrasting the different aspects of cost and time when it comes to a buy-to-let mortgage, it’s a good idea to take stock of your own circumstances.

Discover all our mortgage products and rates for people moving home. Call 0330 304 3040 to request a free quote.

Are you looking for the cash flow loans provider in the UK? With us get a personalised mortgage illustration without a credit check. Over 80+ Lenders. Call 0330 304 3040. Cash flow finance is a funding option to consider if your business sometimes finds money in short supply. This often happens as small businesses grow and build their customer base. A big advantage of cash flow finance is that it is quick to obtain.

Are you looking for leading services for hire purchase in the UK? With us get a personalised mortgage illustration without a credit check. Over 80+ Lenders. Call 0330 304 3040. Hire purchase is a flexible way of financing an asset with the option of keeping the asset at the end. After you’ve completed the last payment, you can become the owner of the asset.

While bridging loans have traditionally only ever been used to “bridge” the gap when one link in a property chain has broken down, the practice of using bridging finance for other purposes has become more common in recent years. This has come about due to a variety of different contributing factors.

Self-employed people work across all industries and markets with a variety of working and contractual structures. The mortgage team at Revolution Finance Brokers specialise in helping self-employed applicants source the best mortgage deals, access the most competitive rates, and achieve the ideal mortgage financing to fit their circumstances.

As a buy-to-let landlord, the most important criteria for your mortgage lending is to find the most cost-effective solution to avoid your interest costs eating into your rental property profits. Revolution Brokers are a BTL specialist broker, and here we will look at how interest-only BTL mortgages work, and what to look out for in your mortgage offers! For personal support and advice about securing the most cost-effective financing for your investment business, give us a call on 0330 304 3040.

Are you looking to buy a plot in the neighbourhood & having a problem in mortgaging land Purchase. Look no further, call us on 0330 304 3040 & we would be happy to assist you.

Shared ownership mortgages are growing in popularity, as house prices increase and it becomes more challenging for many first-time buyers to take their first step onto the property ladder. The government shared ownership scheme is designed to assist people in buying their first home and provides the opportunity to purchase 25-75% of a property from the housing association or builder. One of the key benefits to shared ownership is the option of investing in a proportion of a property if you are unable to afford to buy a home elsewhere. The scheme offers lower mortgage payments, whereby the owner partially owns the property and rents the remaining share. It is important to understand that rent remains payable on the percentage of the property owned by the housing association, and this needs to be paid alongside the shared ownership mortgage repayments. Over time, the scheme allows homeowners the option of purchasing the residual proportion of the property from the association, and thus complete whole ownership.

Mortgage protection insurance helps cover the cost of your mortgage should anything happen that means you are unable to keep up with your repayments. Revolution Finance Brokers look at the pros and cons, to help you choose which insurance products are right for you.

Building your own home is becoming increasingly popular, and there are specialist mortgages available to help purchase the land and fund the associated construction costs. These apply whether you intend to carry out your own build project or take on a contractor to complete the construction to your specification. The difference between a self-build and a normal residential mortgage is that a self-build mortgage provides funding in stages at each stage of the build process. Each lender has their own process, but typically an initial lump sum is released to purchase the land, and further instalments are released at key stages of the build. For example, a proportion of the mortgage is released when each floor is completed, key parts of the structure are finished and when the build has been completed. These instalments are referred to as tranches, and lenders either release each tranche after the next stage of the build has been finished, or less commonly beforehand. Usually, an independent surveyors report will be required to verify the stage of the build that has been achieved.

As an investment, land is a popular option for many reasons - but the mortgaging scenario is significantly different than applying for a residential mortgage. Here, we have collated the essentials you need to know about mortgages for land investments. If you need personal advice or help with securing competitive land financing, give the Revolution Brokers team a call on 0330 304 3040 or email us at info@revolutionbrokers.co.uk.

Guarantors are a normal part of the mortgage process and are common when an applicant is unable to secure the mortgage they need based on their finances. Common guarantor mortgage scenarios include first-time buyers, and parents helping their children purchase a property.
A Guarantor mortgage is an alternative option to joint purchases, whereby both the applicant and their guarantor become co-owners of the property.
With a guarantor mortgage, you need to contribute a deposit as normal, and the payments will typically be on a repayment basis since the most common applicants for guarantor mortgages are first-time buyers. Repayments are made monthly and include a proportion of the borrowing plus interest. The guarantor provides a guarantee that you will make your monthly repayments, and are assessed for creditworthiness alongside the applicant. The guarantor has no obligation to finance any part of the deposit and does not own the property.

In acknowledgement of the income streams of contractors, lenders have different criteria for contractor mortgages.
You do not need three years worth of financial accounts, but instead will need to be able to demonstrate the value of the contract you are working on. Working as a contractor affords many benefits, but one of the most common challenges is in securing a mortgage for development projects and residential mortgages. Revolution Finance Brokers are delighted to be able to offer a range of solutions!

The Right to Buy mortgage scheme helps social housing or council tenants who have been in situ at their home for at least three years to purchase their property. This applies to tenants who have lived in different properties for three years, and applicants do not, therefore, have to have lived in the same home consecutively for three years to be eligible.
The amount of lending available depends on the market value of your home, how long you have been a tenant, how much of a deposit you can put down, and other assessment criteria such as affordability. If you are unsure of whether you would be able to apply, or whether you meet the criteria for a Right to Buy mortgage, get in touch with Revolution Finance Brokers and we will be delighted to help you understand the process, and what your best options are.

Suppose you're looking for a mortgage at 5.5 times your annual salary. In that case, the best option is always to consult an independent broker who can recommend lenders who are likely to approve your application. This level of lending is higher than usual but is by no means impossible when applying to the right lenders, knowing that you can meet their eligibility requirements. For bespoke advice on securing a mortgage at 5.5 times your annual income, give us a call on 0330 304 3040, or email the team at info@revolutionbrokers.co.uk.

Bad credit is a common problem, and if you're looking to purchase a new build property through the Help to Buy scheme, it might feel impossible to get a mortgage if a high street lender has turned you down. The good news is that a whole-of-market broker with access to specialist bad credit lenders can help in nearly any scenario. This scheme is backed by the government and offers buyers the opportunity to take out a low-cost equity loan for up to 20% of the property's value to help them put together a deposit. Note that the Help to Buy ISA scheme is now closed; although you can use a Lifetime ISA to top up your savings towards a deposit or down payment.

This scheme helps applicants looking to purchase a new-build home, who have at least a 5% deposit payment available. The government provides a ‘top-up’ against your deposit value, to the equivalent of up to 20% of the saleable property value up to £120,000 max. The Help to Buy scheme provides equity loans throughout England, with alternatives available in Scotland, Wales and Northern Ireland.

Mortgages for foreign nationals and Tier 2 visa holders are available from a range of specialist lenders and carry different terms and rates. It is crucial to consider which type of mortgage applies to your circumstances and to seek expert advice to secure the best mortgage offer that fits your requirements.
Foreign nationals and Tier 2 visa holders are often skilled workers who have moved to the UK to undertake valuable work. Many such UK residents are not aware that they can purchase a property, and that special mortgages are available for temporary purchases, or permanent purchases either as a residence or an investment.

Family income benefit is similar to life insurance and is a safety net to ensure that your family and loved ones receive tax-free income regularly in the event of your death. If you aren’t sure whether this type of insurance is right for you, give us a call at Revolution Finance Brokers and we will guide you in the right direction.
Family income benefit may sound like a type of state aid, which is because it used to be the name given to a type of government benefit. However, this now refers to an insurance product. Should you die, this insurance provides regular payments, which are tax-exempt and sent to your family or recipients regularly. This type of insurance can also be called family income protection. If you pass away within the restrictions as outlined in your policy, and provided it is within the term of the insurance, your insurer will issue a direct pay out to your beneficiaries for the fixed period agreed.

Most of us rely on our regular income to support our families and pay our mortgages. Here, we explain what income protection insurance is, and why it can be a useful contingency to help provide for your future.
Contact one of our protection specialists to find out more. Income protection insurance provides a monthly pay out, usually equivalent to your usual monthly income, should you be unable to work due to injury or ill-health.
There are different types of cover, which can be either insurance that pays out a monthly sum until you can resume work, or reach retirement age, or shorter-term cover that provides a monthly payment for a fixed period.

While most business owners will be familiar with residential mortgages, applying for commercial lending is somewhat different - and the deposit requirement is also variable.
The Revolution Brokers team has created this guide to help businesses understand how commercial mortgage deposits work, and how to calculate what sort of down payment you might be asked for! Generally speaking, a commercial mortgage lender will look for deposits from 25% and up to 40%. This all depends on the risk level, although typically deposits are higher for business mortgages than residential.