our services in Cardiff
As a professional bridging loan broker in Cardiff, we pride ourselves on offering a range of expert services to our clients.
- Loans up to 70% LTV
- Rates from 8.99% Pa
- Low Exit Fees
- Loans from £250,000 to £10m
If you’re a property investor, developer, or business owner looking to buy a property in Cardiff through an auction, you know that time is of the essence. The auction process requires completion within 28 working days or less, and traditional long-term finance simply won’t cut it. That’s where auction loans come in.
We specialise in providing short-term financing solutions for a variety of property investments, including property renovation, land development, and commercial or residential property acquisition. Our auction loans are custom-tailored to meet the unique needs of the auction process, providing swift access to the funds necessary to complete the transaction successfully.
Why Choose Auction Loans?
- Our auction loans are engineered for quick turnaround times, providing swift access to the funds you need to complete the transaction. We understand that speed is essential in auction finance, and our streamlined process ensures that you receive tailored offers in as little as 20 minutes.
- Our team of experts has extensive experience in the auction finance market and is well-versed in the intricacies of the auction process. We work closely with each client to provide bespoke lending solutions that fit their individual requirements. Whether you’re a seasoned investor or a first-time buyer, we have the knowledge and expertise to guide you through the process and ensure your success.
- We understand that every client has unique financing needs. That’s why our financing solutions are custom-tailored to your specific requirements, ensuring that you receive the right lending solution for your property investment goals. We provide a range of options to choose from, including bridging loans, auction finance, and development finance.
- Our streamlined process ensures that you receive tailored offers in as little as 20 minutes, giving you the speed and efficiency you need to succeed in the auction process. Our goal is to make the financing process as easy and stress-free as possible, so you can focus on what matters most – securing the property of your dreams.
Cardiff’s property market is a hotbed of activity, with both residential and commercial properties attracting investors from around the world. Whether you’re a local buyer or an international investor, our auction loans can provide the short-term finance you need to complete the transaction successfully.
Investing in property can be a lucrative venture, but securing the necessary funding can be a challenge, particularly if you need to act quickly. This is where bridging loans come in – short-term financing options designed to bridge the gap between the purchase of a property and the arrangement of long-term funding. At Hank Zarihs, we specialise in providing bespoke bridging loan solutions tailored to meet the unique needs of our clients.
Why Choose a Bridging Loan?
- One of the main benefits of a bridging loan is the speed at which funds can be accessed. Traditional financing options can be time-consuming, but a bridging loan can be arranged in a matter of days, providing you with the funds you need to secure your investment quickly.
- Our team of experts has a wealth of experience in the bridging loan market, with a deep understanding of the complexities involved in securing these types of loans. We work closely with our clients to provide bespoke solutions that meet their unique financing needs, ensuring that they have the expertise they need to succeed in their investments.
- We understand that securing funding can be a daunting prospect, which is why we pride ourselves on providing a hassle-free experience for our clients. Our team will guide you through the entire process, from application to funding, ensuring that you are fully informed and comfortable with every step of the process.
Every client has unique financing needs, and we understand that a one-size-fits-all approach simply doesn’t work. That’s why we provide customised solutions tailored to meet your specific requirements, ensuring that you receive the right financing option for your investment goals.
At Hank Zarihs, we’re committed to providing our clients with fast and efficient solutions that meet their unique financing needs. Our team of experts has a wealth of experience in the bridging loan market, and we understand the importance of speed, expertise, and customization when it comes to securing funding for your investments.
We pride ourselves on providing hassle-free solutions, guiding you through the entire process and ensuring that you have the information you need to make informed decisions about your investments. Whether you’re a property developer, individual investor, or business owner, we can provide the bespoke bridging loan solutions you need to succeed.
As a landlord, builder, or property developer, accessing the financing you need to fund property refurbishment or development costs can be a complex and time-consuming process. Fortunately, our expert intermediary service is here to assist you. We work with a panel of trusted lenders who specialise in short-term development finance, making it easier for you to access the financing you need.
Development loans are a type of funding that is specifically designed to facilitate the construction or renovation of properties. They are commonly used by property developers, builders, and investors to finance projects that are too large or too risky for traditional financing options.
Development finance can be used for a wide range of projects, from residential and commercial developments to large-scale infrastructure projects. It typically involves a loan or investment that is secured against the property being developed, as well as the developer’s assets and personal guarantee.
The terms and conditions of development finance can vary widely, depending on the lender, the size of the project, and the level of risk involved. Interest rates are generally higher than traditional financing options, reflecting the higher risk and complexity of these projects.
Despite the higher cost, development finance can be an attractive option for property developers and investors. It provides access to large amounts of capital that can be used to finance projects that might otherwise be impossible.
Our lending panel comprises a range of lenders specialising in short-term development finance. We work closely with our clients to provide tailored lending solutions that meet their unique requirements. Our development finance solutions are ideal for anyone seeking to purchase a property at auction or secure finance against an uninhabitable property, where a standard mortgage is not applicable.
Our experts pride themselves on simplifying the process of accessing finance. We assist our clients in navigating the complex landscape of development finance and securing the best possible terms and rates for their financing needs. Our team of experienced professionals is dedicated to providing you with the highest level of service, helping you realise your property development ambitions.
If you’re looking for a lump sum of money to finance your personal project or business venture, term loans may be the ideal solution for you. As a team of experts in helping borrowers find the right financing solutions, we specialise in connecting you with lenders who offer the most competitive rates and flexible terms to cater to your specific needs.
Term loans are a type of loan that is typically used to finance large purchases or investments, such as buying equipment, property, or other assets. They are a common form of business financing and are often used by companies to finance long-term projects or to manage cash flow.
Term loans are repaid over a fixed period of time, with regular payments of principal and interest. The term of the loan can vary widely, from a few years to several decades, depending on the size of the loan and the nature of the investment being financed.
Term loans are also often used to refinance other types of debt, such as credit card debt or other high-interest loans. By consolidating these debts into a single loan with a lower interest rate, businesses can save money on interest payments and simplify their finances.
There are many different types of term loans available, ranging from secured loans that are backed by collateral, to unsecured loans that are based on the borrower’s creditworthiness. The interest rates and terms of the loan will depend on a number of factors, including the size of the loan, the duration of the loan, and the creditworthiness of the borrower.
Why Choose Our Expert Term Loan Service?
- We work with a variety of lenders and financial institutions to offer you the best financing options and competitive rates.
- Tailored Lending Solutions: We understand that every borrower has unique financing needs. That’s why we provide custom-tailored lending solutions to cater to your specific requirements.
- Our team of experts can assist you in securing the financing you need quickly and easily, providing you with a hassle-free experience.
- Our advisors have extensive experience in the lending industry and can assist you in securing the optimal financing solution to meet your specific needs.
If you’ve recently purchased a commercial property and are considering using it as collateral for a loan against your business property, a commercial mortgage may be the right financing solution for you. However, before making any decisions, it’s crucial to understand the basics of commercial mortgages and how they work.
A commercial mortgage is a type of mortgage loan that is secured against non-residential or commercial real estate. It is specifically designed for businesses or investors looking to buy or refinance commercial assets such as office spaces, rental properties, mixed-use buildings, and even vacant land sites. Unlike residential mortgages, commercial mortgages offer more flexibility and can be tailored to fit specific financing needs.
There are several benefits of using a commercial mortgage to finance your business property. Firstly, commercial mortgages typically offer lower interest rates compared to other forms of financing, such as unsecured loans or credit cards. Secondly, they offer longer repayment periods, which means you can spread your payments out over a longer period of time, making them more manageable. Lastly, by using your commercial property as collateral, you may be able to borrow more money than you would with an unsecured loan.
Qualifying for a commercial mortgage can be more complex than qualifying for a residential mortgage, and there is no one-size-fits-all solution. To successfully qualify for a commercial mortgage, it’s important to consult with our advisors who can guide you through the process and help you find the best financing solution for your specific needs.
Factors that lenders consider when evaluating a commercial mortgage application include the property type and value, your business’s financial history and creditworthiness, the amount of money you are requesting, and your ability to make repayments on time.
If you’re a property developer based in Cardiff or anywhere else in the UK, you may be struggling with the high costs of financing your development projects. Fortunately, joint venture finance is an increasingly popular solution that can help you meet your unique financing needs.
Joint venture finance is a financing solution that involves an investor or partner funding a property development project in exchange for a share of the profits. Essentially, it’s a partnership between the property developer and the investor, where the investor provides the necessary capital to fund the project, and the developer manages the development process.
There are several benefits of joint venture finance, making it an attractive option for property developers. Firstly, joint venture finance allows property developers to kickstart their projects quickly, even if they don’t have sufficient capital at the time. This is because the investor is putting up the funds needed to get the project off the ground.
Moreover, joint venture finance offers a tailored solution to meet the specific financing needs of property developers. Every project is unique, and joint venture finance can be customised to meet the needs of each development, making it a highly flexible option.
Joint venture finance is more suitable for experienced property developers who have a proven track record in property development. Investors want to see that their investment is going to be managed by someone with a successful history in property development.
If you’re an experienced developer, joint venture finance can be an excellent option for you. It can provide you with the capital you need to get your projects moving quickly, without having to worry about finding the funds yourself. Additionally, joint venture finance can help you minimise your risk, as you’ll be sharing the risks and rewards of the development project with the investor.
Why Choose Us?
When it comes to finding a bridging loan broker in Cardiff, there are many options available, but not all brokers are created equal.
- Access to the Best Rates and Loan Products from Trusted Lenders We work with a panel of respected and experienced lenders with excellent track records, providing our clients with access to the best rates and loan products available on the market.
- Wide Range of Loan Products Most bridging loans in Cardiff are specialist products not available on the open market. We can get you access to a wide range of loans and deals that you would not find searching directly.
- Fast and Efficient Service We understand that time is of the essence when it comes to bridging loans. Our streamlined process enables us to find the right bridging loan for you in minutes, gather information and quotes from lenders within the hour, and arrange your loan within days.
- Tailored Advice and Transparent Information We provide tailored advice to our Cardiff clients and transparent information throughout the lending process, ensuring you have full confidence in the products we secure for you.
- Exemplary Customer Service At Hank Zarihs Associates, we focus on building long-term relationships with our clients based on providing maximum value. Our superb track record speaks for itself.
our sales process
Call us today to discuss your enquiry. We'll find out what product is suited to your needs - we just need 5 mins of your time.
Once we've received terms from our select panel of lenders, We'll inform you of the options you have and then you'll let us know which offer to proceed with.
Once you've selected the perfect lender, we'll go ahead and package the application on your behalf, making it a seamless and easy process. We'll then instruct valuation and legals on the same day.
Once the case has been submitted and the valuation report is back the case will be formally offered and funds can be made available to drawdown, subject to the legal due diligence being complete – From start to finish, we can have deals ready in as little as 7 working days.