• Commercial Mortgages, Bridging Loans, Buy to Let
• Mortgages, remortgages, second charge loans
• Life Insurance, business insurance, GI insurance
• Factoring, Invoice discounting, Critical Illness
• Wills, Power of Attorney, Development Finance
• Portfolio Mortgages, Revolving Credit, Asset Loan
• General Insurance, Income Protection, assurance
• Development loans, mortgage protection, contents

We Understand how Important getting a Mortgage decision is.

Whether you are buying your first home, or up sizing or downsizing – the lenders would have many different types of mortgages options to choose from. It's not just about taking out a mortgage, it's getting the right product which is cost effective and works for you. It's getting the keys to your new home, improving the one you've got or arranging your finances for something else. There are many types of mortgages, the type of mortgage needed would depend on the reason it is required for.

Be a First Time Buyer Mortgage, moving home and need a new mortgage, a remortgage to get a better rate or raise finance. Second charge loan, if you cannot come out of your first charge mortgage, then contact us.

Construction and Development Finance & Loans

Financial Service Solutions Ltd specialise in Construction and Development finance. We have relationships with many lenders, some who are specialist in this market.

This means by partnering with us you will have access to a wide source of funding, with some of the finest and most innovative financial solutions available. Our solution goes beyond the conventional to deliver a financing structure uniquely packaged for each client's specific requirements.

Our team's objective is to foster deep, long-term relationships with finance and property market participants across a very broad spectrum. Our network includes long-established relationships with banks and specialist property finance sources.

Whether we are working with a large property company or a less experienced developer, we work closely to make sure you get the best result. We know the value of loyalty and the importance in maintaining it.

Please note that some of these loans can be Regulated by the FCA and would be discussed when we meet

Commercial Finance

Commercial finance is a term used for a huge range of different finance products designed specifically for businesses. In essence, commercial finance allows businesses to achieve their goals by investing in assets, taking on new staff and keeping a healthy level of cashflow.

There are many different types of commercial finance available to meet the specific needs of businesses at every stage in their lifecycle. These include commercial mortgages, asset finance, revolving credit, bridging finance, business loans, factoring and invoice discounting.

Please note that some of these loans can be Regulated by the FCA and would be discussed when we meet

Commercial Mortgages

Sourcing the right commercial mortgage for your business could be a complicated and time-consuming process. There are many commercial lenders available, what is really important to you and best for the business". Is it time to expand or require additional space, looking to purchase retail premises. A commercial mortgage is a loan from a lender, it can be a Bank or other specialist lender that would arrange funding for the purpose of purchasing or refinancing property that is for commercial or business use. Commercial Mortgages are designed specifically for Businesses, Business Owners and Investors
Because of competition between the suppliers, our clients benefit from our experience and relationships with lenders. We know which are the best lenders to approach, based on your industry and your requirements.

Asset Finance

We will provide you a fast, competitive quote to lease capital equipment necessary for running of your business. This includes Plant, Vehicles, Production Equipment, IT and Telecoms Systems and even ‘Small Ticket' items down to £2K in capital value

Leasing is a tax and cash efficient way of financing equipment for your business, it keeps the asset ‘off balance sheet' and offers the following key benefits:

It provides you immediate use of the asset without paying for it all at once.
It frees up working capital and bank loan / overdraft facilities for business growth.
The Lease contract is structured for the length of time you require use of the asset.
Sale & Leaseback allows you to release capital in assets you already own.
It offers the most tax efficient structure for your business.

Remortgages

A re-mortgaging is switching your present mortgage to a new deal, this can be with your existing lender or a different provider. You're not moving house and the new mortgage is still secured on your current property.

Often, the lower your loan to value (LTV), the more competitive the rates would be.

There are many reasons for deciding to re-mortgage:

To get a better interest rate on your mortgage.
To get a fixed rate and protect monthly payments against possible future rate rises.
Raising extra money to carry out home improvements.
Raising a cash lump sum to pay for some event of occasion.
Consolidate your debts.
Your mortgage can last many years, it is important to review your financial options thoroughly that time. The decisions you make when re-mortgaging are just as important as when you decided on your original mortgage.

Life and Critical Illness Insurance

Why would you consider Protection in the form of Life and Critical Illness Insurance?
Protection is a very general term when used here in respect of insurance would cover Life and critical illness insurance. There are many reasons why someone would want to consider protection. Financial Service Solutions are “whole of market" which means we are not tied to any one insurance company. We have a close relationship with insurance companies and have continuous product training and updates. As such, we understand what benefits would best suit our clients.

Buy to Let Mortgage - Remortgages - Portfolio Mortgages

How can we help with your But to Let Mortgage
If you're expanding your portfolio, buying your first investment or already have buy to let properties, more than likely you will need a mortgage. This will need to be a buy to let mortgage as opposed to a residential mortgage, they are different and work on different principles.
We can help you to refinance your existing property or properties to raise additional capital for your next but to let purchase, or save you money on your existing payments.
Financial Service Solutions Ltd have an extensive network of lending contacts, we know the lenders criteria and are able to source the ones best for our clients. We manage the process both with the lender and the client and maintain contact with the Solicitors.
Financial Service Solutions Ltd are whole of market and are not tied to any lender or protection companies, our advice is impartial.

Building and Contents Insurance

We only use Defaqto 5 Star rated Building and Contents Insurance Companies
You can rest assured your building and contents insurance is of the highest quality, all of our providers offer Defaqto 5 Star rated products by trusted brands. 99% postcode coverage, the products are suitable for the vast majority of clients who require protection for their possessions. High cover limits are teamed with a low policy excess to provide a quality product which is supported by UK based customer service and claims teams. Cover can be arranged and confirmed within minutes based upon the simplest question set and application process in the marketplace.

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