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Investment & Development Finance

Investment Property Finance

Esteema provides a bespoke investment planning and finance service to ensure that your overall investment objectives and tax considerations are met. Whether you are looking to expand or remortgage an existing property portfolio, or start one from scratch, we can help.
We can arrange a tailored range of schemes, whether onshore, offshore or backed by other investments. We can also manage the whole acquisition process through from initial discussions to completion, whether you are after one buy-to-let mortgage or several investment mortgages.
We also specialize in arranging overseas mortgage finance, whether you are buying a holiday home to use yourself or to rent out.

What can we do for you?

  • We arrange commercial mortgages and finance secured on residential and commercial properties.

  • We can arrange investment property finance of up to 100%* loan to value.

  • We can arrange purchase and re-finance on owner occupied business premises up to 100%*.

  • We have lenders who will accept 100% of rental income on buy to let properties.

  • We have access to lenders for large size commercial investment mortgages and overseas developments. (Details upon request)

  • Why to choose us ?

    Access to over 50 UK and international lender on panel
    Excellent expertise with 360 degree planning.
    Direct connection with top decision maker for quick finance
    Major Survey Companies around UK are on panel for quick valuation for fast completion

    We Say YES to:
    • Any purpose, any background and any security.
    • No Accounts, No Business Plan, No Income Proof
    • CCJs & Arrears
    • Business Start-ups
    • Overseas client
    • Business in distress , Business Turnaround and recovery
    • Professional
    Most Comprehensive Solutions
    • Tailor made & confidential services.
    • Upto 100% Loan, 30 years terms, initial interest only period.
    • Very low interest rate
    • Flexible and open minded with can do approach.
    • Tax Strategy for lower taxation and higher profits
    Most Business are eligible
    • Shops & Retail Units
    • Offices
    • Factory & Warehouses
    • Hotels & Guest Houses
    • Pubs & Bars
    • Farms
    • Garden Centers
    • Medical & healthcare business
    • Professional practices
    • Leisure industries
    • Property investment and development
    Call us today to find out how we can help you.
    Telephone +44 (0)208 4646 430,

    International Property Finance

    Esteema group has extensive experience in arranging finance and mortgages in countries throughout the EU, the USA and beyond!

    Loans may be secured on your property abroad, without the necessity for a collateral charge on property you own in the UK and are available on residential and commercial properties, as well as for development and investment. You can borrow up to 75%; This, of course, depends on a number of factors, including your circumstances, the type of property/business you are looking to purchase or re-finance and which country it is in.

    Our overseas loans are most commonly in Euros, but are also available in other currencies. e.g. Swiss Francs, US Dollars and Sterling. We will always quote the currency which best serves your needs in the country of your choice.

    Interest rates will reflect the currency in which your loan is made and will usually be in the range of 2% - 3% over the base rate for that currency. Fixed, capped and collared rates are also available.

    The following are just some of the countries where our lender's can assist:

    EU Countries:
    Non-EU Countries:
  • USA

  • Call us today to find out how we can help you.
    Telephone +44 (0)208 4646 430,

    Property Development Finance

    Property development finance can be for, property developers, private builders or self build projects. Our panels of lenders have excellent reputations for their expertise, speed, flexibility and reliability.

    In most cases a higher level of loan to value can be obtained from such specialist lenders than can be obtained from traditional high street banks.

    Property Development Finance is available for:

    • Commercial development finance (Pre let or pre sold)
    • Residential development finance (New build, conversions, extentions)
    • Property Trading (Acquisition, refurbishment and onward sale)
    • Planning Gain Finance
    • Investment Portfolios
    Property Development Finance Criteria
    • Loan Size ?100,000 - ?5 million
    • Term Up to 24 months
    • LTV 60% of Land/ Site valuation
    • 100% of build costs
    • Valuation Lender's surveyor / valuer will monitor costs, timetable and cashflow.
    • Stage payments are usually released on monthly certification.
    • Site Sites to have planning in place before drawdown of build costs loan
    • As a guide, projects should show a minimum of 25% profit on cost.
    • Some of our lenders will accept planning gain to be part of your contribution to the deal!
    Call us today to find out how we can help you.
    Telephone +44 (0)208 4646 430, Email

    Auction Property Finance

    Purchasing property through a Property Auction used to be the private domain of the property developer and wealthy individual but in recent years auctions have become more common place and an opportunity for the novice property purchaser to acquire investment properties or even a new home below market value.
    Esteema Bridging Loans & Finance, through one of our specialist lenders, can give you immediate access to an auction funding package which will make purchasing property at auction as simple and as hassle free as possible.

  • Finance available from £30,000 to £1,000,000
  • Any property approved - residential, semi-commercial, commercial or land
  • Up to 100% of the purchase price
  • Any condition considered for property finance
  • Terms are from 1 months to 12 months
  • Any purpose: developments, buy —to—let, residential, self-build
  • More than 40 lenders are in panel for quick decision and payout.
  • Finance can sometimes be transferred within 24 — 48 hours
  • A quick decision available on every property finance application
  • Access to preferred Valuer for Quick report and quick completion.
  • All clients welcome — any status!

  • Call us today to find out how we can help you.
    Telephone +44 (0)208 4646 430, Email

    Bridging Finance

    Esteema Consultants have wide access to specialist bridging finance at a very low interest rate with full transparency for Quick Completion.
    what is Bridging Finance?
    Whenever you need to raise money quickly against the value of a property then bridging finance can be the ideal solution. Some of the key benefits or using bridging finance are:

    • Immediate decision in principle
    • Up to 70% Loan to Value with 100% of purchase price possible
    • Simple and efficient application procedure
    • Interest can be added to the loan
    • No minimum term or exit fees
    • Loans available from £30,000 upwards.
    • Non Status loans available, with no credit checks or references.
    Bridging finance is usually repaid on an interest only basis, rather than capital repayment, with the loan being cleared on the sale or refinance of the property. This can involve a commercial mortgage, buy to let mortgage or other long term finance.
    Bridging finance Explained
    A bridging loan is a short-term loan secured against a freehold or long-leasehold property allowing business people and individuals to:
    • Borrow money against market actual market value of a property rather than a discounted purchase price.
    • Purchase one property before completion on the sale of another
    • Arrange temporary funding for the purchase of an un-mortgagable property pending repairs.
    • Fund the purchase of a property in need of refurbishment, with a view to resale on completion of the improvements. In these circumstances we can also arrange additional funds cover the cost of the works.
    • Beat a deadline to buy a property, for example funding the urgent purchase of a property pending arrangement of a long-term mortgage. This can be particularly useful in auction situations
    • Release cash quickly without being tied into a long-term mortgage
    • Borrow short-term against the value of a property, not against income multiples.
    The list is nearly endless, but the common denominator for those requiring bridging finance is that the loan is required at short notice.
    What is Bridging finance Secured Against?
    Bridging finance companies will lend against freehold or long-leasehold property anywhere in the UK on a first or second charge basis. Below are some examples of the types of property often used to secure a bridging loan:
    • Residential property, including investment property and HMO's
    • Residential developments
    • Commercial property, including factories and warehouses
    • Commercial developments
    • Offices & Retails units
    • Land (even land without planning permission)
    Applying for bridging finance:
    Applying for bridging finance is very similar to applying for any other type of loan. The biggest difference is the time it takes to arrange. It is not unusual of for a bridging loan application to be completed within a week, so long as a valuation can be arranged quickly and that the solicitors are able to complete their work in time.
    As part of our commitment to transparency we only deal with bridging lenders whose terms, fees, and rates are totally clear form the outset. So you can be assured that we will negotiate the most competitive bridging finance rates available.

    Call us today to find out how we can help you.
    Telephone +44 (0)208 4646 430, Email

    100% Property Finance

    Due to the "credit crunch" there are currently no 100% mortgages available for the residential & commercial property; however, Esteema Consultants can help you to arrange 100% property finance on Residential & Commercial property under special circumstances such as

    • Family Transfer or Divorce Settlement ( if the purchase prices is less than the property value )
    • Probate Settlement (if the purchase prices is less than the property value )
    • Auction Property upto 100% finance available subject to the certain terms and condition.( Please contact us for detail)
    • Commercial Finance is also available up to 100% with additional security.

    Call us today to find out how we can help you.
    Telephone +44 (0)208 4646 430, Email