Breeze Capital

Is a bridging loan right for you?

Check out our newest post that takes you through the fundamentals of bridging loans. What are they? How can they help you? And an example of them in action!

Interested in finding out more about bridging loans? Drop us a DM or comment on this post, and we can answer any questions you have!

https://www.breezecapital.co.uk/hmo-loan-liverpool-2024/

Beat this!

Market leading, rate busting, LTV smashing refurbishment product.

Our team have years of lending experience and whilst every man and his dog thinks they can lend money, it takes real expertsise to lend money and the get it back in.on time.

NO ONE BEATS THIS!

Ignore silly gimmicks like stepped rates where you end up paying more overall.

Our refurbishment bridging loan offers the highest leverage for experienced landlords and developers.

What does it mean for you?

You need less money upfront so you can buy more property!

Up to 65% LTV.

If this isn't enough for you, then we can also offer loans up to 75% LTV and refurb loans up to 80% LTV with a full valuation - all based on the OMV.

Come and have a go if you think you are savvy enough.

We are probably guilty of sometimes hiding our light under a bushel, however, our most loyal introducers know exactly what sets us apart.

Quite apart from one of the best, if not the best, refurbishment products on the market, our service is pretty stellar too, as you can get hold of a decision maker 7 days a week.

Please email us at [email protected] or call us on 01244 565095 to chat through your new enquiry.

Ensuring your lender has the funds available to complete your build or refurbishment may seem like a given but it's not.

Certainty of drawdowns, making sure you get the full amount you have asked for in line with your cashflow, is absolutely vital, as is getting the money on the day you request it.

We have read some real horror stories lately, don't fall into the same trap and choose a lender who you know can deliver.

Tru 'dat.

The last thing you want is for your lender to run out of money...We have seen this a few times recently and it's not a good place for the developer to be.

We never ever blow our own trumpet - we are a bit shy like that.
However, we asked our last 14 borrowers (the last 14 - not a specially picked 14 out of 50!) how they would rate us from 1-5 with 5 being the best.

All of them, every single one of them rated us 5 stars.

Comments such as 'always available', 'totally transparent', 'polite', 'didn't try to bamboozle me with tech stuff' are just some of the comments.

Our money. Our decisions.

If you are a property developer looking to expand your portfolio, get in touch with us by emailing your enquiry to [email protected]

You do what you are good at and we will do what we are good at.

Win/Win.

The one thing we never try to do is bore you with jargon.

Some fancy dan lenders do this as a way of trying to bamboozel the borrower, not us.

We like to make things clear and simple and straight to the point.

Come and have a go if you want to deal with a straightforward lender.

Always always always read the small print. Never more so than wehen approaching a lender about a product as the small print can be interesting to say the least!

Property lending is really simple.

However there is a tendency in this industry to complicate matters.

There really is no need.

If you are looking to fund your next project, speak to us.
We keep things simple and to the point and we pride ourselves on being a jargon free zone.

It doesn't how matter how much technology changes or how developed AI will become. They are both fantastic aids to better productivity but the simple truth remains...positive relationships with people are what make the world go round.

We pride ourselves on being able to give good, honest advice either face to face or by phone, email , whatsapp or text.

Whatever your preferred communication strategy, we are here for you!

Old Skool advice that never goes out of fashion.

With our refurbishment loans, you need less of a deposit as we will fund up to 85% of the property value.

Not only that but we will provide up to 100% of the refurb costs too.

https://www.breezecapital.co.uk

Kerching!!

By far our most competitive product.

If you want to deal direct with a lender that has years of experience, no uneccessary fees and is always available, get in touch now.

We end all over the UK.

Classic property investment strategy for newbies.

1. Buy a property and finance it through Breeze (because you need a smaller deposit)
2. Borrow up to 100% of the refurbishment costs.
3. Keep within 70% Loan to GDV

You then decide to sell the property and make money from the value you have added or you refinance and retain it for longer term capital growth.

We do a lot of these so if you want some advice - give us a call today.

Refurbishment loans under £500k are our speciality.
However, we also go below £100k for our borrowers.

80% of the OMV (so you put less down)
100% of the refurb costs
Up to 70% of the GDV

Unlock the potential of HMO properties.

Experience hassle-free funding through our bridging loans where interest is conveniently rolled up until the end of the loan term. No immediate payments, just pure investment growth.

Discover how at Breeze Capital.

Quite possibly our favourite sound.

If you want to experience the simplicity of lending from Breeze, get in touch with us at www.breezecapital.co.uk or call us on 01244 565095.

It's Cheese Lovers Day apparently.

So, for no other reason that we still find this scene from I'm Alan Partridge funny, Happy Cheese Lovers day!

We know what you developers are like 🤓

You are definitely, absolutely only going to concentrate on this one project you have just started. You promise. Full attention on this, no distractions.

Then you are driving home, see a house for sale with a big corner plot garden and start thinking..."Hmmmm, I wonder if..."🤣

If there is one thing we have learnt from our most successful developer clients, developers who are now funding £15m projects, it is this:

FOCUS

Concentrate on delivering the best project you can and then only move on when you have that nailed (at least coming up to PC)

It looks better in the eyes of your lending partner and it will also mean your full attention is focused on finishing and exiting this current project.

Your reputation will be enhanced and your investors (if there are any), your lender and your future buyers will all see you as a reliable and reputable partner who delivers exactly what they say they will.

One project. One at a time.

The problem in the commercial property finance sector is that there is no barrier to entry.

None.

While this may look to be a great attribute for the industry, it also presents huge problems for borrowers as they cannot be sure that the person they are dealing with hasn't just been selling cars or windows only two weeks ago.

Nothing wrong with either of those industries but property finance is a whole new ball game and we are still learning things after a 30+ year career in banking and finance!

As a borrower, do your DueDil.

Check out the broker or lender you are thinking of speaking to and ensure that they have experience and knowledge of the product and sector you are looking to borrow in.

There are some ace brokers out there...We know because we work with some of them.

Likewise, there are some great lenders too, far bigger and resourced than we will ever be.

Your choice is endless but mistakes can be costly so take your time and choose carefully.

Generally speaking, no you don't.

Of course this will depend from lender to lender and whether your loan is regulated or not.

With Breeze, we never ask for proof of income because we based our lending on the asset, not the borrower and also the borrowers ability to be able to refinance, if a sale isn't the exit.

Coming soon...

We have partnered up with a great finance specialist to bring a series of property networking events to Liverpool.

It won't be formal...More a bite to eat and a tipple of your choice whilst discussing opportunities and meeting people similar to you.

Details to follow soon...But if you are interested, message us to put your name on the list.

We fund newbies of every description.

Our view is simple.

If your plans are solid, can be evidenced with well thought out cashflow forecasts and/or development appraisals and you have the support of an experienced building team - why wouldn't we consider lending to you?

Come and have a go if you think you have what it takes.

Pleased to have funded this one for an excellent housebuilder based near Welshpool.

4 properties of which only 1 remains to sell and they simply needed a bit more time to avoid late repayment penalties with their existing lender.

Just a 30% PG on this one too.