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Real estate finance

At first thought, the idea of being a cash-buyer is attractive. Not only do you have a potential advantage from a seller’s perspective over buyers using finance, but you also save time on what can be a complex and expensive process – not to mention the fact that your property is free from any financial charges.

However, even if you have sufficient funds for your intended purchase, it’s always worth exploring financing options. We can help you explore the pros and cons of each option on the table to see if another approach might benefit you in the long-run.

The most obvious upside of taking on finance is that the more you leverage the higher your potential return. Of course, this depends on a number of factors including the interest and term of your loan and the housing market, but, if used effectively, financing can generate a significantly better return on investment. This is particularly the case at present, as the cost of borrowing is at a record low.

There are also potential tax benefits particularly when using finance on buy-to-let property. More information and specialist advice can be found here.

Another consideration is financing through private banks or the premium branches of mainstream lenders. Given our work with high-net-worth individuals, we have good, long-standing relationships with a number of private banks. These banks offer a more bespoke service to clients who meet their financial criteria. More often than not the application process is seamless and the loan conditions, such as interest rates, are more favourable.

It’s also worth noting the availability of non-conventional financing options such as Sharia Compliant finance products. We have extensive experience working with lenders that offer different forms of Islamic Finance, particularly in the buy-to-let market.

From personal experience, those in our team, at all levels of experience, understand the merits of using the right financing products. We would be delighted to explore financing options with you, whether this be your first venture into the property market or you are a seasoned investor.

Looking for something else?

If you have questions we haven’t answered here, please contact one of the team for a no-obligation, initial conversation and we can take the first step in achieving your goals.