OUR SERVICES
Finance Brokerage Services That Meet Your Needs
What is a bridging loan?
Where there is a requirement for short-term lending a bridging loan secured against assets, either residential or commercial can be sourced.
Our bridging loan experts at Ulus Finance can arrange some of the most cost-effective, quick bridging facilities available in the market, but most importantly we can arrange the exit on the bridging loan when required.
We can source Bridging loans for the following requirements;
- Auction purchases
- Derelict properties that are difficult to mortgage
- 100% Development bridging (depending on development experience)
- Loans up to 100% with additional security
- Purchases that are below market prices
Key Features;
- Loan To Value up to 80%
- Interest Rates from 0.49% per month
- 6-24 month terms
- Interest can be retained, rolled up, or serviced
- Buy-to-let and commercial bridging
- 1 week turnaround time
Ulus Finance will be able to arrange an agreement in principles for our customers within 1 working day of receiving an enquiry.
Bridging Loan
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What are Secured Loans?
A Secured Loan is used mainly for second-charge mortgages secured against the available equity in a property.
Customers must be homeowners to get a second mortgage; we can arrange secured loans against buy-to-let and commercial properties.
You must have equity available in your property to secure the loan.
Our team has over 20 years combined experience and are able to arrange commercial mortgages and re-mortgages with Loan To Values of up to 80% without additional security. With additional security we at Ulus Finance can arrange mortgage loans of up to 100% value or purchase price of the property.
Secured Loans
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With an entrepreneurial approach, unrestricted by traditional lending parameters, we specialise in finding the best lenders for your offshore structures. Our bespoke solutions are tailored to meet your structural requirements, whether through a trust, company, or as an individual.
Working closely with our network of specialist onshore/offshore lenders, we can offer a wide range of leveraged solutions across the whole spectrum of your borrowing needs.
Offshore Lending
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Ulus Finance Business Development Professional Partnership
We believe that the best results in business are achieved through effective cooperation with professionals who can complement each other’s skills and services, whilst earning fees together.
If you are a forward-thinking, dynamic professional or entrepreneur, who’s interested in making money and a career in commercial finance brokerage or finding out about how our services can benefit your business and your clients; or about how we can benefit from your services, then please do get in touch.
Partnership Programme
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What is Business Finance?
Not all businesses fit into a standard financial package, which is why tailored financial solutions are essential to meet unique business needs.
How we do it:
We take the time to understand your business, industry, and future plans. Our experts work closely with you to create a bespoke financing strategy that aligns with your long-term goals. Whether it’s a combination of loan types, refinancing options, or custom payment structures, we ensure that every element of your financial plan supports your success.
Business Finance
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Financing or refinancing your Luxury Assets
Our specialised team looks after our High net worth clients and their luxury finance requirements. For instance, financing or refinancing their:
- Prestige, sports and luxury vehicles
- Yachts
- Private Aircrafts
Ulus Finance has developed a close confidential relationship with international Private Banks as an intermediary for your financing and refinancing needs.
Luxury Asset Finance
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What is Buy-to-Let Finance?
Buy to let Finance is a type of Finance facility for property investors, developers, and landlords that are taken out to rent the property to a tenant, rather than for owner occupation.
At Ulus Finance we accept Buy to Let Finance applications from individuals, limited companies, special-purpose Vehicles, and overseas entities.
Buy-to-Let for Individuals
Our Buy-To-Let team can advise you whether you are a first-time landlord or a seasoned property professional on the best available Finance products currently on the market.
- With us, you have access to the whole market
- Up to 85% maximum Loan To Value
- 5-30 year terms
- Borrow between £5,000 and £1m
- Principle lending agreements available on same-day
- Buy-to-Lets for Businesses
The Corporate/Company Buy to Lets are usually designed to purchase properties through a limited company (trading) or a special purpose vehicle. Through our access to the money market and exclusivity with some lenders we at Ulus are able to secure corporate buy-to-let products for;
- Investors
- Developers
- Property professionals
- Company portfolios
How can Ulus Finance help?
With a team of 20 years of combined industry experience, we at Ulus Finance can arrange buy to let, and corporate buy to let mortgages on an independent whole of market basis with Loan To Values of up to 85% without additional security. If additional security is provided we at Ulus Finance can source mortgage loans up to 100% Loan To Value of the purchase value.
Buy To Let Finance
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What is a Commercial Finance?
Commercial Finance is usually arranged for the purchasing or re-finance of property, solely for commercial or business use that is arranged for businesses to trade from, or for investment purposes i.e. bought to let for commercial tenants.
We can source commercial Finance from banks and other specialist financial institutes.
Commercial Loan to Value Ratios
The current typical Loan To Value for a high street bank offering commercial Finance is 60-75%, however, there are higher Loan To Value options available through Ulus Finance via specialist banks up to 75% on a standalone basis, or 100% with additional security.
Commercial Interest Rates
High Street banks can provide us with rates from 2% above the Bank of England base rate, but the interest rates for commercial mortgages vary according to several factors including but not limited to
- Loan To Value
- Type of Property
- Repayment Terms
- Size of the Loan
- Types of Mortgage
- Your Credit Scoring
- Rental Income Cover
How Ulus Finance can help
With a team of 20 years of combined brokerage experience, we can arrange some of the best deals in the market and have access to exclusive products not available directly. Our relations developed through our experience in arranging previous mortgage facilities, have enabled us to negotiate bespoke terms and broker complex deals with our lenders providing customers with the benefit of our experience helping our customers obtain the very best deals for them.
Commercial property examples:
Customers have access to Commercial mortgages for a wide variety of land and property types like:
- Cafes, Fast Food Outlets and Restaurants
- Office Buildings
- Retail outlets and Convenience stores
- Industrial Units, Warehouses and Factories
- Land for Development purposes
- For Houses in Multiple Occupancy (HMOs)
- For Care and Nursing homes
- Mix Use buy to lets with ground commercial and above flats
- Owner occupation commercial mortgages
- For Investment purposes
- For Buy-To-Let portfolios
Commercial Finance
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Our services encompass a range of tailored products, each service is designed to provide flexible, efficient, and effective financial options, ensuring that your financial goals are met.