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Helping you plan your finances to achieve the lifestyle you deserve

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Residential and Commercial

Residential and Commercial Mortgages

Grow your buy-to-let portfolio with expert advice for new and seasoned investors.
Access tailored commercial, HMO, and specialist mortgage solutions.
Bridge funding gaps quickly with short-term loans or secure development finance.
Unlock equity in your property through secured loans, offering flexible funding for various needs.
Realise your marine ambitions with customised financing for boats or yachts, for personal or business use.

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Comprehensive Property & Specialist Finance Solutions with Expert Guidance

At Fairstone, we do more than help you secure the best possible rates for your home. Our experts offer tailored advice on commercial and specialist property finance solutions, offering guidance across the whole of the market.

Whether you’re looking to expand your property portfolio with a buy-to-let mortgage, secure funding for a commercial venture, or explore options like HMO mortgages, secured loans, or bridging finance, we’re here to help.

Our expert guidance ranges from development projects to marine finance, our specialists will work with you to identify the most suitable financial products to meet your needs and goals.

 

 

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Finding the Right Financial Solution for Your Property and Lifestyle Needs

Navigating the landscape of specialist property finance requires expert advice to ensure you secure the most suitable solution for your unique circumstances. With access to the entire market and deep industry knowledge, Fairstone provides tailored guidance to help you make informed decisions, whether you’re seeking buy-to-let mortgages, bridging loans, development finance, or commercial mortgages.

Our specialist advisers simplify the process, save you time, and deliver the best possible outcomes by aligning your goals with the most competitive and flexible financing options available.

Whether you’re buying your first home, investing in property, or exploring specialist financing options, finding the right mortgage solution is critical in maximising your investment.

Specialist mortgage advice - your key questions, answered

What is specialist property finance?

Specialist property finance refers to a range of funding solutions tailored to unique property or investment needs, including buy-to-let mortgages, bridging loans, commercial mortgages, development finance, and secured loans.

How do buy-to-let mortgages differ from residential mortgages?

Buy-to-let mortgages are designed for properties intended to be rented out. They often require a larger deposit and focus on the rental income potential rather than personal income for affordability assessments.

Can I get a buy-to-let mortgage as a first-time landlord?

Yes, buy-to-let mortgages are available for first-time landlords. Lenders may have specific criteria, such as minimum income levels and deposit requirements.

Are buy-to-let mortgages available for limited companies?

Yes, specialist lenders provide buy-to-let mortgages tailored for limited companies and special purpose vehicles (SPVs), often used by property investors for tax efficiency.

What is a bridging loan, and when might I need one?

A bridging loan is a short-term financing option to “bridge” the gap between purchasing a property and securing long-term financing or selling another property. Common uses include auction purchases and property refurbishments.

How quickly can I secure a bridging loan?

With streamlined processes, a decision in principle for a bridging loan can often be secured within 24 hours, and funds can be available shortly thereafter, depending on circumstances.

What types of properties are eligible for bridging loans?

Bridging loans can be used for both residential and commercial properties, including non-mortgageable properties, auction purchases, and properties requiring significant refurbishment.

What is a commercial mortgage?

A commercial mortgage is a loan secured against property used for business purposes, such as offices, retail spaces, or warehouses. It is often used by businesses to purchase or refinance premises.

What factors affect commercial mortgage rates?

Rates depend on factors such as loan-to-value (LTV), property type, repayment terms, loan size, credit history, and income cover.

Can I get 100% funding for a commercial mortgage?

Yes, 100% LTV commercial mortgages are possible with additional security, such as another property or asset.

What is development finance?

Development finance provides funding for property development projects, including construction, renovation, or large-scale refurbishments. It is typically released in stages as work progresses.

Who can access development finance?

Development finance is available to a wide range of clients, including first-time developers, SMEs, and experienced property professionals.

What is a second charge secured loan?

A second charge loan is a loan secured against the equity in a property, sitting behind the primary mortgage. It allows borrowers to release funds without remortgaging.

What purposes can a second charge loan be used for?

Second charge loans can be used for various purposes, including home improvements, debt consolidation, raising a deposit for property purchases, or funding business investments.

Can landlords apply for second charge loans?

Yes, second charge loans are available to landlords and can be secured against buy-to-let properties.

What is the maximum LTV available for commercial and buy-to-let mortgages?

Buy-to-let mortgages typically offer up to 85% LTV, while commercial mortgages usually range from 65% to 75% LTV.

Can bridging loans be used for auction purchases?

Yes, bridging loans are commonly used for auction purchases, offering fast funding to meet tight deadlines.

Are there early repayment penalties for bridging loans?

Many bridging loans come with flexible terms and no early settlement fees, allowing borrowers to repay early without penalties.

Do I need to provide upfront fees for specialist finance?

No, many specialist finance providers, do not charge upfront fees for a decision in principle.

What is the benefit of using an independent whole-of-market broker for specialist finance?

An independent broker offers access to a wide range of lenders and products, ensuring tailored advice and the best deal for your unique financial circumstances.

Matching you with the right local adviser for your needs

We have over 1250 local advisers and staff specialising in investment advice all the way through to retirement planning.

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