bb8346e0

Owner-Occupied Business Finance

Wed, 21 Jan 2026 14:30:41 GMT

SELF STORAGE BRIDGING

Mon, 19 Jan 2026 16:28:38 GMT

£21m Development Finance completed

Mon, 19 Jan 2026 14:57:50 GMT

Two Development deals completed this month

rw@carbonfc.com — Mon, 10 Feb 2025 14:00:49 GMT

DEVELOPMENT FINANCE

Deal 1:

Office to Resi conversion for 16 units in Islington

GDV £11m

Deal 2:

Large single unit in Reigate funded to produce 5 bed house on plot of land at end of clients existing house

GDV £2.4m

Bridging Finance Completion

Tue, 15 Oct 2024 12:37:07 GMT

Bridging Finance Completion

Owner Occupied Trading Business premises purchase

Fri, 30 Dec 2022 17:06:11 GMT

Commercial premises purchase -

OWNER OCCUPIED

Owner Occupied Commercial Purchase Completed

A leading energy efficiency and property improvement company based near Cambridge required our assistance as they were looking to acquire their trading premises from their landlord.

Solution

Our team were able to review the business financials and the sector environment before preparing an extensive funding proposal for suitable lenders

We were able to provide the client with various options.

The deal was completed in December 22

Residential Property portfolio landlord refinance

Tue, 25 Oct 2022 20:36:22 GMT

Deal Update:

Asset Type: Large Residential Portfolio consisting of 86 Residential BTL’s

Loan Amount: £12,500,000

Drawdown Date: 19th October 2022

Lender: Lloyds Commercial Bank Central London

Sat, 10 Sep 2022 10:46:10 GMT

£5.5m Bridging deal approved @ 0.55% Plus base pcm

New Paragraph

Another Bridging Finance Deal approved

Fri, 08 Apr 2022 13:04:42 GMT

Residential bridging finance approved for part finished development

Deal

Loan amount - £450k

Security - 2 x residential properties that are under construction. 1 nearing practical completion and the other some months off.

Rate - 0.58% over base

Term - 12 months

Fees - 2% lender fee (lender pays broker fee)

Exit Fee - No exit fee

Exit strategy - Sale of units

Development Finance Sanctioned - 9 resi units GDV £4.5m

Wed, 30 Mar 2022 17:42:54 GMT

New Deal Sanctioned - Property Development Finance

Loan - 80% Loan to cost

Rate - 6% pa

Fees - 1% in / 1% out

Term - 24 months

SANCTIONED - £12m INDUSTRIAL BRIDGING FACILITY LOAN

Mon, 14 Mar 2022 19:19:31 GMT

£12m Credit backed Bridging Loan

Our client was seeking to purchase this site and came to us for assistance. We provided a fully credit backed bridging loan in 2 days for £12m and we have strong offers for the term loan post acquisition.

Bridging Terms

£12m
0.65% pcm
2% Arrangement fee (which covers broker fee also)
No Exit Fee
3m minimum term

DEBENHAMS Bridging Finance deal -Sanctioned without planning

Wed, 26 Jan 2022 14:46:12 GMT

Bridging Deals agreed

Commercial Bridging Loan No planning

Deal 1

Care Home purchased to convert to 11 bed HMO
no planning
65% purchase price
100% funding of development upon receipt of planning
0.82% pcm
18 month deal
no exit fee

Deal 2

Asset purchase price - £4m
Asset Type - Large vacant high street retail building (Debenhams) seeking residential planning
Loan Sanctioned Value - £2.6m (65% Loan to value )
Rate - 7% pa
Arrangement Fee 1%
Exit Fee - 1%

Commercial and Semi Commercial Investment Portfolio Sanctions

Tue, 11 Jan 2022 11:03:08 GMT

Recent Commercial & Semi Commercial Investment deals agreed

There are currently many lenders with little or no appetite for commercial and semi commercial assets.

We have numerous lenders on our panel that are happy to accept these assets as security so please get in touch for a quote.

recently sanctioned

Deal 1

£2.1m semi commercial investment loan
Security - 3 parades of shops and uppers located in regional areas away from London. Many of the flats are wrapped in to the commercial leases
LTV - 65%
Rate - 4.25% over base
Term 25 year commitment
1% bank fee

Deal 2

£640,000 Loan
Security - Owner Occupied Retail unit
LTV 70%
Rate 2.29% over base
Term 15 years

Indicative terms stage & going to credit deal 3

£1.35m Loan
Security - Semi commercial portfolio of 6 properties and 6 flats on uppers
68% Loan to vacant possession
Rate - 3.6% over base
Term - 8 year commitment on 25 year term

RECOVERY LOAN SCHEME EXTENDED

Mon, 01 Nov 2021 10:39:27 GMT

The UK Government backed RLS Loan scheme has been extended to continue to support businesses through the economic recovery.

Cash Flow & Growth Loans for UK Ltd Companies

Turnover for 2019 >£100k
Minimum trading period 2 years
Must show profitability/affordability
Loan Term up to 6 years
No obligation/ No upfront fee to receive a quote
Loans up to £250k will not require a Personal Guarantee
12 months Interest only available from some lenders

RECENT DEALS SANCTIONED

Sat, 16 Oct 2021 16:49:39 GMT

Professional Landlord refinance and capital raise of Property Investment portfolio

Portfolio value - £21.2m
Portfolio Type - Multiple Residential units, one of which was a converted council office building in London
Loan Sanctioned Value - £12.7m (60% Loan to value )
Rate - 3.25% over bank base
Arrangement Fee - 1.5%
Exit Fee - Nil
Broker fee to client - Nil as paid by lender

Buy to let 75% LTV

Portfolio value - £825k
Loan Sanctioned Value - £620k (75% Loan to value )
Rate - 3.65% over BOE base
Arrangement Fee - 1.5%
Exit Fee - Nil
Broker fee to client - Nil as paid by lender

Owner Occupied Care Home

Asset value - £17m
Loan Sanctioned Value - £7m (44% Loan to value )*
Rate - 2.25% over BOE base
Arrangement Fee 1.5%
Exit Fee - Nil
Broker fee to client - Nil as paid by lender

*we are currently applying for £10m following good conversations with an international bank

Owner Occupied Commercial Mortgage

Sector - Plumbers Merchant
Asset value - £600k
Asset Type - Trade Counter
Loan Sanctioned Value - £420k (70% Loan to value )
Rate - 2.35% over BOE Base
Arrangement Fee 1.5%
Exit Fee - Nil
Broker fee to client - Nil as paid by lender

Limited Company Unsecured Trading Business Recovery Loan Scheme Facility

Sector - technology company
Loan Sanctioned Value - £130k
Rate - 9.2%
Arrangement Fee 5%
Broker fee to client - Nil as paid by lender

NEW LOW RATE HMO MORTGAGE LOANS

Fri, 15 Oct 2021 15:26:40 GMT

Very competitive HMO Funding rates now available from our vast panel of lenders

HMO's are typically more expensive to finance than standard BTL's. Lenders will look at income vs running costs so it is important to present a balanced view in your financial accounts if you want to achieve the best interest rates on the market.

Examples of deals we believe we can currently source subject to affordability, quality & location of the assets

Deal 1 - UK Limited Company Borrower

Loan to Value - 50%
Portfolio size - £10m
Loan request - £5m*
Margin/Rate - 2.45% over BOE base
5 year partially amortising loan

Deal 2 - UK Limited Company Borrower

Loan to Value - 65%
Portfolio size - £2m
Loan request - £1.3m*
Margin/Rate - 2.65% over BOE base
5 year partially amortising loan

Deal 3 - UK Limited Company Borrower

Loan to Value - 70%
Portfolio size - £2m
Loan request - £1.4m
Margin/Rate - 2.91% over BOE base
2 year interest only

*subject to affordability (rental income vs running costs & drawings)

bb8346e0

Owner-Occupied Business Finance

SELF STORAGE BRIDGING

£21m Development Finance completed

Two Development deals completed this month

DEVELOPMENT FINANCE

Bridging Finance Completion

Bridging Finance Completion

Owner Occupied Trading Business premises purchase

Commercial premises purchase -

﻿ OWNER OCCUPIED

Residential Property portfolio landlord refinance

Deal Update:

£5.5m Bridging deal approved @ 0.55% Plus base pcm

Another Bridging Finance Deal approved

Residential bridging finance approved for part finished development

Development Finance Sanctioned - 9 resi units GDV £4.5m

New Deal Sanctioned - Property Development Finance

SANCTIONED - £12m INDUSTRIAL BRIDGING FACILITY LOAN

£12m Credit backed Bridging Loan

DEBENHAMS Bridging Finance deal -Sanctioned without planning

Bridging Deals agreed

Commercial and Semi Commercial Investment Portfolio Sanctions

Recent Commercial & Semi Commercial Investment deals agreed

RECOVERY LOAN SCHEME EXTENDED

Cash Flow & Growth Loans for UK Ltd Companies

RECENT DEALS SANCTIONED

NEW LOW RATE HMO MORTGAGE LOANS

Very competitive HMO Funding rates now available from our vast panel of lenders

HMO's are typically more expensive to finance than standard BTL's. Lenders will look at income vs running costs so it is important to present a balanced view in your financial accounts if you want to achieve the best interest rates on the market.

Examples of deals we believe we can currently source subject to affordability, quality & location of the assets

Deal 1 - UK Limited Company Borrower

Deal 2 - UK Limited Company Borrower

Deal 3 - UK Limited Company Borrower

OWNER OCCUPIED