Development finance usually involves staged funding: we utilise development funders who only charge interest on the amounts that you have drawn down; however, some lenders deduct the full interest on the whole facility from day one (even though you are not using some

of the capital yet).  It’s still in the lender’s bank account but they’re charging you interest. 

How can this be fair?

Development finance pays a percentage

of the project acquisition and 100%

of the construction costs released in tranches

as your project evolves.

By employing us, we will access

competitive terms with lenders who understand the complexities of construction and calculate fairly, allowing you to focus on the build, 

while we ensure the capital is there,

exactly when your contractors require it.

Available for experienced and first-time developers.

Bridge to Let is specialist short-term financing and is extremely cost effective as the lender already has your details.  Lenders reduce their associated fees when they fund the project and the long term BTL mortgage.

With the initial certainty of your BTL exit 

before you even embark on your construction project.  The Bridge-to-Let process, checks

the compatibility for both short and long term facilities at the same time, reducing the expense of the short term finance by speeding up

the long term finance application

and completion.

A BTL positive decision is ready to proceed

when a project nears completion. 

Bridge to Let reduces the risk for both

borrower and lender compared to standard bridging, where the exit (redemption of the short term finance) is a BTL re-mortgage

with a different lender; this carries

more uncertainty.

Unlike personal ownership—where finance costs only receive a 20% tax credit—a limited company allows you to deduct all mortgage interest and related costs as a business expense before paying Corporation Tax. This is particularly beneficial when scaling a portfolio or managing property sales..

With trust and estate planning, one cannot

avoid, totally, the IHT gateway but the liability can be reduced, with professionally devised, in life and death planning.  Not a great subject but  a necessary one, as you could save your loved ones, 10’s of £1000’s.

We work with level three, highest tier accredited,  (full TEP status), Trust & Estate Practitioners  and we are able to access for you, a free asset protection plan of action, uniquely tailored to your individual asset holdings; to care for the people most important to you when you’re no longer here to protect them. 

Some of the major risks to your wealth.

M.A.D. - Marriage After Death

Your spouse could remarry after your death, your spouse dies and the funds for your childrens’ inheritance could be transferred to a completely different bloodline without the previous allocation

to a trust.

Divorce

Half of your child’s inheritance goes the ex-spouse, if the funds were in a trust, they are  ring fenced away from the divorce settlement.

Bankruptcy

Your child’s inheritance in a trust, is protected from bankruptcy loss.

Inheritance Tax Generational IHT can be removed from the funds you allocate to trust. The IHT gateway for the immediate generation below, the IHT liability

cannot be avoided only minimised, but the inheritance you leave in trust which is passed from generation to generation, (after the direct generation below you), is IHT exempt; is our understanding.

Means Tested Benefits Inheritance funds placed in trust, is ring fenced, away from Government benefit income and capital holding calculations; for the physically

and mentally disabled. Long Term Care Costs There are strategies which can remove these cost from your estate.

Legislation is regularly changing, some of the above information may not be accurate anymore but we can introduce you to expert ‘TEP: Level 3’ Trust and Estate practitioners, who will give you a free, asset protection strategy, after assessment of your estate holding;

consistent with today’s UK legislation.

None of the above is legal advice.

Unlike personal ownership—where finance costs only receive a 20% tax credit—a limited company allows you to deduct all mortgage interest and related costs as a business expense before paying Corporation Tax. This is particularly beneficial when scaling a portfolio or managing property sales..