Invoice Finance - Revolution Finance Brokers

Are you looking for the invoice finance in UK? With us get a personalised mortgage illustration without a credit check. Over 80+ Lenders. Call 0330 304 3040.

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.

Many mortgages are off the shelf products and are not suitable or cost-effective for unusual projects, self-builds, or for homeowners who find it difficult to quantify their annual income. Finding a property you love means needing the right mortgage to secure your new home, and Revolution Finance Brokers are here to make that aspiration a reality!

Are you looking for the business loan in UK? With us get a personalised mortgage illustration without a credit check. Over 80+ Lenders. Call 0330 304 3040. Every growing business is going to need a business loan to reach their goals at some point, whether it’s to invest in staff training or to upgrade equipment that’s slowing down processes. Our experienced team will guide you through the entire process.

Are you looking for leading services for Lease purchase in UK? With us get a personalised mortgage illustration without a credit check. Over 80+ Lenders. Call 0330 304 3040. Is an agreement with the lender that allows you to use the asset and maintain the asset as if it were your own with the added flexibility of payment and exit options such as selling the asset, giving it back or purchasing it from the lender.

We specialise in all aspects of Commercial trading business finance and have access to most of the products available on the market. We are not tied to offering products from a single or group of companies and can go to any lender who offers you the best deal.

Looking for UK Expat Mortgages to purchase a Buy-to-Let property? Call us & we may be able to help you let your property or to buy a further one to rent out. Expats living abroad often look at buy-to-let property options as an investment, a commercial project, or as a holiday home. Revolution Brokers also work with expats living abroad and seeking a mortgage in the UK. There are restrictions and complications around borrowing in the UK while residing abroad, so we have created the below guideline to help.

Buy To Let Refurbishment Mortgages. Are you looking for a loan to buy a property that needs major renovations: either to sell on, let out, or to live in yourself? Call us on 0330 304 3040 for advice.

New-builds can be an attractive proposition, with a new home often needing minimal maintenance, and coming ready to move into. Many landlords also prefer to invest in new-builds as a buy-to-let property, with the lower costs required to maintain the residence making it a more profitable proposition than an older home. Revolution Brokers are experienced in the new-build property market. We work with clients both selling, buying and developing new properties to ensure that your mortgage lending offers you the most competitive deals on the market. Let's take a look at investing in a new-build property, how mortgages for this type of buy-to-let work, and the key considerations to keep in mind. If you need more detailed support, or tailored advice to support your portfolio expansion or first rental investment property, give us a call on 0330 304 3040 or drop us a message at info@revolutionbrokers.co.uk.

Offset mortgages are an ideal borrowing product for applicants looking to take out a mortgage, and who also have savings. This type of mortgage pitches your savings - held in an account with the same lender - and uses them to offset the amount of debt remaining to reduce the interest payable. As with any other offset mortgage, a fixed-rate product links your mortgage with your current or savings account, and charges interest only on the balance owing. Fixed-rate products mean that the interest rate is static, although the amount of interest you will pay may change each month depending on the balance.

When taking out a mortgage, buildings insurance is a prerequisite. For guidance and advice about the best buildings insurance rates, Revolution Finance Brokers have assembled this guide to help you understand the most important elements to insuring your home.
Buildings insurance means that you are financially protected should your home be destroyed or damaged. Your insurance provider will pay out the value required to repair the damage or rebuild your home. Buildings cover includes the main structure of your property, including the walls, doors, windows and roof, and most include fitted appliances such as your bathroom and kitchen.

Each business sector is different, and with many clients seeking financing to invest in a pub or bar business, we have created this brief guide to highlight the essential information when mortgaging a commercial pub property.
Commercial mortgages are a viable option to provide funding to buy a pub. There are multiple mortgage options, and the right solution depends on whether the pub is freehold or leasehold, and what sort of lending you require.

Each business is different and might have a different perception of a large value of borrowing. Generally, commercial mortgages don't have a maximum cap, since this all depends on the circumstances and applicant. However, the typical commercial mortgage falls at around £400,000, and most lenders consider a mortgage above £1 million to be large. In essence, no, the affordability criteria remain the same whatever the size of the loan you apply for. That said, if the value is high, a lender might be stricter as they need to ensure you can keep up with the repayments.

There are plenty of options to refinance a business property, and the process itself works similarly to remortgaging a residential home. In essence, you are switching from one mortgage lender to another, with the same property as security against the lending.
Remortgaging is an excellent option for changing to a lender with a more competitive deal, or renegotiating your lending with the same provider. If you decide to change to a new lender, you'll still need to go through the eligibility assessment and affordability processes.

Commercial mortgages vary significantly from domestic home lending, and the Revolution team receives regular enquiries from clients wanting to know if this is the most cost-effective borrowing option. Here we run through all the pros and cons of commercial mortgages, and explain how these vary from other forms of lending.
The first step to choosing the right form of financing is to understand all of the different commercial borrowing products available on the market.

Interest-only BTL mortgages are the most common type of financing for investment property buyers and landlords. However, more and more investors are considering repayment mortgages as a viable alternative.
This alternative type of mortgage is referred to as a buy-to-let repayment mortgage or a buy-to-let repayment home loan, and in essence, is the same as a standard residential repayment mortgage albeit applying to an investment property.
There are two different types of mortgage finance. Capital repayment means that the mortgage interest is paid monthly, with a proportion of the original borrowing amount. Over time, the capital owed against the property reduces, and the regular interest payments decrease.
An interest-only mortgage means that the monthly repayment is only for the interest payable on the original loan value. At the end of the loan term, the initial capital value remains payable and needs to be repaid by selling or refinancing the property.

Buy-to-let mortgages are a savvy way to secure an investment in property. Rental properties can provide a regular income stream as a long-term retirement plan but are also an option for existing retirees who wish to supplement their revenue.
Over 65's are a growing sector as property investors, who are seeking ways to grow their retirement savings and invest in a new business proposition after retirement. With lucrative returns and low eligibility thresholds, many retired investors find that the property market offers an ideal opportunity if they have retirement savings, and when property prices are low.
A buy-to-let mortgage doesn't take into account pension income. So, a lender will consider the expected rental income from the investment property to calculate whether they think the lending is affordable.

Millions of people in the UK have a low credit rating - and it can be for any variety of reasons, including previous arrears on a mortgage, to a repossession. If you have a poor credit score, then it can be trickier to find a mortgage.
However, by working with an experienced broker, you make finding the right lending a much easier task. Bad credit mortgages are offered by specialist lenders, who can accept applications from people who have a low credit score, or have issues with their credit rating.
Sometimes this is the best option, although the rates and fees attached can be higher than available to applicants with a clean credit record. Revolution Brokers often negotiate competitive deals for clients with bad credit - for example, by demonstrating affordability or applying for a lower loan-to-value (LTV) ratio through a higher deposit.

Let's look at why debt consolidation through a mortgage can be a great option, help you pay back your debts over a manageable timeframe, and reduce your overall interest costs. Consolidating debts is where you take out one, larger loan, and use that to pay back smaller debts.
By taking out a mortgage, or a remortgage, the equity in your property helps act as security against the lending, often achieving much lower interest rates than you would have been offered elsewhere.
Whether you have a mortgage-free property and are looking to take out a loan against it to consolidate your debts, or want to remortgage your property to cover the lending you need, we'll refer to the loan as a mortgage for the purposes of this article since the same factors are essential in both situations. Applying for a debt consolidation mortgage is, in essence, the same as taking out any other kind of mortgage.

Many people have a default on their credit file, and even though many high street lenders are unable to offer a mortgage to applicants with bad credit, specialist lenders are on hand to help. This process will also consider other circumstances, and lenders will come to a decision about whether they can lend to you.
Competitive mortgage rates are still available to applicants with adverse credit history, provided you work with an expert bad credit broker who can direct your application to the right lenders. If you have defaults on your credit file, it is essential to access your reports and assess them for any inaccuracies or errors, which you can dispute.
Most mortgage lenders use one of, or all of, Experian, Equifax and TransUnion, so it is wise to access your credit file from each of these leading credit referencing agencies. When you have your credit reports, you should share them with your broker to save time. Our team can work with you to assess the most severe issues, resolve errors, and dispute inaccuracies.

Working out how much your mortgage repayments will be each month can seem complicated! Use our Mortgage Repayment Calculator to make it simple to understand and compare costs. To calculate how much your mortgage will cost per month, let us know what amount you wish to borrow, for how long, and what interest rate you have been quoted or are expecting to pay.

You might not yet be sure what sort of mortgage to apply for, so our repayment calculator can help you to compare different rates. As you may know, there are two main categories of mortgage - these are interest only, and repayment. Most first-time buyers are more likely to secure a repayment mortgage unless you have the backing of another asset to leverage against your purchase.

An agreement in principle is a useful bargaining tool for negotiating the purchase price on a property you wish to buy. It is also essential for bad credit applicants to know you'll probably be approved for the mortgage you need and how much you can borrow. It's important to clarify that there is no such thing as 'guaranteed approval' - it simply doesn't exist! Every lender will have a different set of eligibility policies.
So the only sure-fire way to have confidence that your bad credit mortgage will be successful is to work with an experienced broker who can negotiate the terms on your behalf.

Debt management plans (DMPs) are usually used to pay back personal borrowing through loans, credit cards or payday loans. While having a DMP on your credit file can make it harder to get a mortgage, there are specialist lenders who can help. It is possible, yes. Even if you are in a current DMP, if you can demonstrate that you can afford to keep up with the repayments and additional mortgage repayments, you can find lenders who will approve your application.
The primary criteria are to show that you have since been keeping up to date with your debts. Most lenders will need to see at least six months or a year of steady repayments. There are a few different schemes you might be eligible for, although you'll usually need to submit a minimum deposit to qualify. None of these schemes excludes applicants who have an existing or discharged DMP.

Secure bridging finance is a flexible short-term borrowing option. It is usually available in most bad credit situations, provided you have a stable way to repay the loan, called your exit strategy. The essential factor to remember with a bridging loan is that it is only short-term, and the interest rates are higher than on a mortgage.
You usually only pay interest during the term and need an exit strategy to demonstrate how you will pay back the borrowing. Therefore, bad credit is less of an issue, provided you have a robust repayment plan. For example, if you plan to remortgage, you might need an agreement in principle since the lender can't be sure whether you will be approved for the mortgage given your bad credit history.
However, if you sell the property or have another viable solution, a bridging lender is more likely to accept your application. There are bridging loan options available in most bad credit scenarios, from having no credit history through to having repossessions or bankruptcy on your credit report. A lot depends on when the issues occurred, how much money was involved, and how long you have kept your financial affairs in order.

Property development finance rates are different from those you might anticipate from a residential or commercial mortgage - but it is always useful to know what you should expect! The interest rates offered depend on the type of development finance you need, and your eligibility circumstances that dictate how competitive a lender can be. You might have been offered rates that seem non-competitive or have been rejected for a development finance application, and want to review your options. In most cases, you'll find that the rates offered on development finance are higher than you'd expect on a residential mortgage. However, funding is released in stages, and you only pay interest on your borrowings drawn down. Most development finance loans are short term, running from three months to three years, and are on an interest-only basis. Funds are released in tranches depending on the stage of the development project, with a site inspection usually required at each stage to confirm the progress made.