Investment Property Accountants - WARR & CO

Investment Property Accountants

Commercial Loans / Funding

Our in house financial services department has vast experience in placing mortgage business on behalf of our clients, be it helping them to purchase or remortgage their main residence or to buy or refinance investment property.

The reason for mortgage planning is rarely straightforward and takes place for a multitude of different reasons. However, a substantial number of enquiries, particularly where property investment is concerned, cannot be satisfied by way of conventional mortgage and as such we must turn to commercial finance to satisfy our clients’ requirements.

Commercial funding can often be the solution for our clients, both personal and corporate, in the following areas:-

Non conventional buy to let investments

Property development finance ranging from small residential to large industrial & business

Partnership / Limited Company share purchase

Purchase of retail premises such as shops to business units incorporating offices / factories/ warehouses

Business expansion funding

Professional practice loans

Bridging finance

Overdraft facilities

These can be structured in a variety of different ways: -

Status or self certification

Flexible base rate or LIBOR linked facilities

Fixed rate mortgages

Cap & collar rates

Offset accounts

With or without banking facilities

With or without personal guarantees

Secured or unsecured

Structured fund drawdown
Single charge or floating charge

Such mortgages can also usually be placed where adverse credit exists, ranging from small arrears to recent CCJ’s to discharged bankruptcies

Warr & Co enjoys links with a number of direct high street lenders and also specialist packagers which gives us the ability to place almost all enquiries.

It can be said that banks are generally looking for reasons to lend, even in these difficult economic times. However, it is not necessarily at the terms that the client is looking for but rather the terms that suits the lender. So before settling with your ‘friendly’ local branch manager, or approaching your existing commercial lender, it may be worthwhile contacting Steve Prosser, on 0161 477 6789 to discuss the merits of your enquiry and to request an indication of likely terms available. Alternatively email us.

We can also assist with any associated corporate protection planning that often emanates from commercial funding and which should be given equal priority.

Additional value services can also be provided by our accountancy department in a number of the above situations, including due diligence work, personal tax planning, business planning, cash flow projections & management account preparation and exit strategy development. In this regard, please refer to Peter Edwards to discuss your requirements.

Think carefully before securing debts against your property. Your property may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.

Please note that commercial facilities are not regulated by the Financial Services Authority (FSA).

Date of Article: 19th November 2008

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This domain is owned by Warr & Co Chartered Accountants which is a member of the Institute of Chartered Accountants in England & Wales (ICAEW). Whilst the information detailed here is updated regularly to ensure it remains factually correct, it does not in any way constitute specific advice and no responsibility shall be accepted for any actions taken directly as a consequence of reading it. If you would like to discuss any of the points raised and / or engage our services in providing advice specific to your personal circumstances, please feel free to contact Peter Edwards on 0161 477 6789 or email us at