Bridging Loans
Short-Term Finance to cover an interval between two transactions, typically the purchase of one property and selling of another, or, where a property is in need of refurbishment and a standard mortgage cannot be obtained. 
Secured Loans
Commonly used when a remortgage/ further advance is not viable. Secured Loans are also known as a Second Charge Mortgage. Secured Loans enable a release of equity held in your residential or buy-to-let property by securing another loan against it.
Development Finance
Draw Down Facilities commonly used by developers to help fund the purchase of sites, and construction of properties from single to multi unit sites, flats, semi-commercial properties and commercial properties.
Commercial Mortgages
Typically used to support the purchase or refinance of a freehold title with multiple residential properties or, semi-commercial and commercial units for investment and owner-occupier purposes. 
Business Loans
Highly flexible loans specifically designed for businesses on a short term basis. They can be used to support cash flow, asset acquisition and business expansion.
VAT Bridging Loans
Short-Term secured or unsecured loans available to businesses who are VAT registered to cover up to 100% of the VAT due on the purchase of commercial property. VAT Bridging Loans are reclaimable from HMRC.
PG Insurance
Insurance for individuals, usually Directors, who have given a personal guarantee to a lender in respect of borrowings of the Ltd Company. These Insurance Policies protect the individual in the event that the Ltd Company is unable to redeem the borrowing.
Self Build Mortgages
Draw down facilities designed to assist individuals who wish to build their own home; lenders release monies to assist in the purchase of the land and build costs. Monies are typically released after completion of key stages throughout the build, opposed to one lump sum at the outset.
Equity Release
A way for older homeowners, typically those aged 55+ to access some of the equity held within their home. Monies released can be used as desired - popular choices are home improvements, repaying debts, helping children onto the property ladder or simply to enjoy later life.
Recovery Loan Scheme
Recovery Loan Scheme (RLS) aims to support UK trading LTD & LLP Companies affected by COVID-19. The scheme can be used for business purposes including, but not limited to: Cash Flow, Investment & Growth. All applications subject to affordability. The scheme is currently available until 31 December 2021.
Buy to Let Mortgages
Assist individuals and Limited Companies to purchase or refinance single unit, multi-unit freehold, HMO and multi-property investments portfolios.

ADD Property Finance typically charge a Broker Fee – maximum 1% of Loan Advance – payable on completion, for all applications.
Please refer to our Initial Disclosure Document in the Downloads Section for more information surrounding our Fee Structure.

All Loans and Rates of Interest charged are subject to a full underwrite & Lender approval.

If you are thinking of consolidating existing borrowing, you should be aware that you may be extending the terms of the debt and increasing the total amount you repay.

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