Residential First and Second Charge Mortgages

Whether you are a first-time buyer, home mover, looking to remortgage or want to unlock value in your current home with a second charge mortgage, we have the finance solution.

First Charge Benefits

  • Unusual and complex income structures can be considered
  • First time buyer
  • Non-standard properties considered
  • Home mover mortgages
  • Remortgages
  • We search the market to find you the best product to suit your needs and requirements

Second Charge Benefits

  • Allows you to keep your first mortgage in place
  • Second charge mortgages can be used to raise money for a wide variety of purposes
  • Self employed applicants considered
  • Interest only and repayment options
  • Low early redemption fees
  • Loans for business purposes considered

Short-term and Bridging Loans

When time is of the essence, Vantage Private Finance can get you to the finish line first.

Why opt for short term finance

  • Fast and flexible funding options
  • Pre planning acquisition
  • Can be secured against investment and owner occupied property – residential, commercial and land
  • Refurbishment
  • Post development capital raising
  • Short term cash flow chain break

Benefits

  • Up to 75% loan to value and potentially 100% with additional security
  • Loan terms from 1 day to 23 months
  • Loans from £50k with no defined maximum loan
  • Adverse credit can be considered

Commercial Mortgages

Whether you are looking for the most competitive deal or hoping to finance something out of the ordinary, Vantage Private Finance can help.

Why choose commercial mortgages

  • Applications in personal names, 
Limited Companies both UK and 
offshore, LLPs and SIPPs
  • Property types considered include, 
among others, offices, holiday lets, 
surgeries, industrial units, retail units 
and mixed use properties
  • Investment properties let on short leases can be considered
  • Available to trading businesses (owner occupied) and commercial investment

Benefits

  • Loans available from £25,000 with no maximum loan
  • Interest only available in some instances
  • Rates can be linked to bank base rate, LIBOR or fixed in some instances
  • Can accept businesses with just one year trading history
  • Adverse credit can be considered

Development Finance

Getting the right funding for your project needn’t be daunting. We take the fear out of financing – even in the most complex of cases.

Why choose development finance

  • Funding at pre planning stage available 
to facilitate the purchase of a site without planning permission and funding against completed developments allows developers to unlock their equity pending sale of the unit(s).
  • Stretch senior products available up 
to 90% Loan to Cost
  • Funding available to both experienced developers and those newer to property development
  • Refurbishments and conversions as well as ground up developments

Benefits

  • Locations covering England, Scotland 
and Wales
  • Single dwellings and multi unit 
schemes considered
  • Residential, commercial and mixed 
use schemes considered
  • Many funders offer interest on a rolled 
up basis
  • Loan to value typically up to 60% of the Gross Development Value (GDV) but can be achieved at 75% of GDV

Buy-To-Let Mortgages

Whether you’re a first time landlord or an experienced property investor, Vantage Private Finance use their expertise to quickly source the most suitable product, tailored to your individual needs.

Why choose buy-to-let mortgages

  • Portfolio finance
  • New builds accepted with many lenders
  • Flats above commercial premises can be considered
  • Flat conversions where flats remain on one title with no separate leases
  • Houses in multiple occupation including student let properties

Benefits

  • No minimum income
  • Non-standard construction properties
  • Adverse credit can be considered
  • Generous rental calculations
  • Limited company applications
  • Local authority and housing association tenants can be considered
  • Lenders with no credit scoring available