Business Loans

Bridging loans offer short-term financial solutions for individuals and businesses needing quick access to funds. Whether you're purchasing property, covering urgent expenses, or waiting for long-term financing, bridging finance provides immediate cash flow with flexible repayment terms. These loans are commonly used in property transactions, auction purchases, and development projects where timing is critical. At Howe Commercial Finance, we specialize in tailored bridging loan solutions to suit diverse needs, ensuring fast approval and seamless funding. Key Benefits of Bridging Loans: Quick Access to Funds – Receive financing in days, not weeks. Flexible Terms – Short-term repayment options are available. Property Transactions – Ideal for auction purchases and property development. No Long-Term Commitment – Designed for short-term financial gaps. Secured Loans – Typically backed by property or other assets. For expert guidance on bridging finance, contact Howe Commercial Fin...

BTL Mortgages, or Buy-to-Let Mortgages, are designed for individuals who want to invest in rental properties. Unlike standard residential mortgages, BTL Mortgages are specifically structured for landlords seeking to generate income by renting out properties. Whether you are an aspiring investor or an experienced landlord looking to expand your portfolio, understanding the intricacies of BTL Mortgages is essential to making informed financial decisions. One of the primary differences between BTL Mortgages and standard home loans is the way lenders assess applications. Instead of focusing on the borrower’s personal income, lenders evaluate the expected rental income of the property. Typically, rental earnings must cover at least 125–145% of the mortgage repayments to ensure affordability. This calculation helps protect landlords from financial strain, particularly if interest rates fluctuate. Another crucial factor is the deposit requirement. Most BTL Mortgages require a higher deposit ...