our services in Edinburgh
As a professional bridging loan broker in Edinburgh, 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 are considering purchasing a property in Edinburgh at auction, you may require specialist finance to facilitate the transaction. Whether you are looking to refurbish a property, purchase land for development or acquire a commercial or residential property, auction loans are a short-term lending product designed specifically for this purpose.
Auction loans are designed for quick turnaround times, as auction purchases require completion within 28 working days or less. Unlike traditional long-term finance, auction finance is tailored to the specific requirements of the auction process, providing rapid access to funds to complete the transaction.
With short-term auction finance, you can purchase property at auction in Edinburgh, whether commercial or residential, and gain rapid access to the funds required to complete the transaction. Speed is of the essence with auction finance, and our streamlined process ensures that our clients receive tailored offers within as little as 20 minutes. We understand that every client has unique requirements, and we work closely with our clients to provide bespoke lending solutions that meet their individual needs. Our team of experts has extensive experience in the auction finance market and understands the complexities involved in the auction process.
If you are considering purchasing a property at auction in Edinburgh, our specialist auction loans can provide the short-term finance you require to complete the transaction. Contact us today to learn more about how we can assist you in securing the funds you need to achieve your property investment goals.
Bridging loans are a type of short-term finance designed to bridge the gap between purchase and long-term funding. They are a useful financing option in a variety of scenarios, such as when a property is sold as part of a chain or when there is a delay between purchasing the property and the funding arrangement.
Many borrowers, including individuals, developers and enterprises, find bridging loans to be the preferred option when they require fast access to funds to acquire a property, without the delays and paperwork associated with traditional financing options.
Bridging loans can be used for a variety of purposes, from renovating a property to purchasing a commercial property. However, it is important to note that these loans are complex and sophisticated, and may not be suitable for everyone.
At our firm, we understand that every client has unique financing needs, and we work closely with our clients to provide bespoke solutions that meet their specific requirements. Our team of experts has extensive experience in the bridging loan market and understands the complexities involved in securing these types of loans.
We pride ourselves on providing our clients with a fast, efficient, and hassle-free experience, and we work tirelessly to ensure that our clients receive the best possible terms and rates for their bridging loans. If you are considering a bridging loan as a financing option, contact us today to learn more about how we can assist you in securing the funds you need to achieve your investment goals.
If you are a landlord, builder, or property developer seeking development loans in Edinburgh, our expert intermediary service can help you find the best options from trusted lenders with expertise in the field. Our lending panel includes a range of lenders who specialise in short-term development finance, making it quicker and easier for you to access the financing you need.
Short-term development finance is typically used to fund property refurbishment or development costs. This type of finance is suitable for experienced borrowers, but we can also help first-time developers navigate the complexities of securing development finance.
Our development finance solutions can be useful for anyone who wants to purchase a property at auction or secure finance against a property that is not habitable, where a standard mortgage is not suitable. We work closely with our clients to provide bespoke lending solutions that meet their unique requirements.
We work with our clients to simplify the process of accessing finance, helping them navigate the complex landscape of development finance and securing the best possible terms and rates for their financing needs. If you are seeking development loans in Edinburgh, contact us today to learn more about how we can assist you in securing the funds you need to achieve your property investment goals.
We specialise in helping borrowers access suitable term loans for a wide range of purposes. In its simplest form, a term loan is a lump sum of money borrowed from a financial institution, such as a bank or lender.
Funds are advanced by the lending institution and are repaid by the borrower, along with interest, over the course of several months to years. Term loan interest rates may be fixed or variable, but they are generally much lower than those associated with alternative forms of financing.
Term loans are versatile and may be used for anything from home improvements to funding a new company venture. They are particularly popular among business owners because they can be used for both short- and long-term goals.
Whether you need a term loan for your HMO portfolio or whole blocks, our team can help you find the finance you need quickly and easily. Term loans are suitable for all asset classes, and we have the expertise to assist you in securing the optimal financing solution to meet your specific needs.
We work closely with our clients to provide bespoke lending solutions that meet their unique requirements, and we strive to ensure that our clients receive the best possible terms and rates for their term loans.
If you are looking to purchase a building with the intention of using it as collateral for a loan against the property where your company is located, a commercial mortgage may be a workable financing solution for you. However, in order to successfully qualify for a commercial mortgage, you will need to consult with a mortgage counsellor, as there is no one product on the market that will fulfil all of your financing needs.
A commercial mortgage refers to a specific form of mortgage loan taken out on non-residential, or “commercial,” real estate. These loans can be used to buy or refinance commercial assets, such as office space for a business or rental property for investors. They are flexible enough to be utilised for funding entire commercial, mixed-use, and even vacant land sites.
Types of Commercial Mortgages
When a property is being purchased for the buyer’s own business to operate from, an owner-occupied commercial mortgage, also known as a business mortgage, is the financing solution employed. These types of mortgages are specifically designed for business owners looking to purchase commercial property for their own use.
An owner-occupied commercial mortgage allows business owners to secure long-term financing for the acquisition of commercial property. This type of mortgage is typically secured against the property being purchased and can be used for a variety of purposes, including the purchase of a new premises, the expansion of an existing business, or the refinancing of an existing loan.
One of the key advantages of owner-occupied commercial mortgages is that they offer a more affordable and stable source of financing compared to other types of commercial loans. They also offer the opportunity to build equity in the property over time, which can be leveraged for future financing needs.
If you plan on renting out your commercial property to another company, you will need to apply for a commercial investment mortgage, often known as a commercial buy-to-let mortgage. This type of financing is the commercial equivalent of a “buy-to-let” mortgage and is designed for individuals or companies looking to purchase commercial property for the purpose of renting it out to other businesses.
A commercial investment mortgage allows investors to secure long-term financing for the acquisition of commercial property, which can generate income through rental payments. This type of financing is secured against the property being purchased and can be used for a variety of purposes, including the purchase of an investment property or the refinancing of an existing loan.
One of the key advantages of commercial investment mortgages is that they offer a more stable and affordable source of financing compared to other types of commercial loans. Additionally, they offer the opportunity to generate income and build equity in the property over time, which can be leveraged for future financing needs.
Interest-only commercial mortgages are a type of financing solution in which the monthly payments are limited to the interest amount. This offers the benefit of reducing your monthly mortgage payment, which can be particularly helpful for businesses with limited cash flow. However, it is important to note that an interest-only commercial mortgage will increase the total interest you pay on your business loan.
An interest-only commercial mortgage is typically structured with a fixed term, and the loan must be repaid in full or refinanced through a commercial remortgage at the conclusion of the mortgage term. This type of financing can be particularly beneficial for businesses that require short-term financing or have seasonal fluctuations in their income.
One of the key advantages of interest-only commercial mortgages is that they offer greater flexibility in terms of monthly payments, which can help businesses manage their cash flow more effectively. Additionally, interest-only mortgages can be beneficial for businesses that are looking to invest in other areas of their operations, such as equipment or personnel.
Capital repayment mortgages are a type of commercial mortgage in which monthly payments cover both the principal balance and the interest accrued on the loan. This structure ensures that the loan balance is paid off progressively over the course of the mortgage term. This type of financing can be particularly beneficial for businesses that are looking to own their commercial property outright at the end of the loan term.
With a capital repayment mortgage, borrowers will need to make larger payments toward their mortgage each month compared to an interest-only mortgage. However, this structure provides peace of mind, as it ensures that the property will be paid off in full by the end of the loan term.
One of the key advantages of capital repayment mortgages is that they offer greater long-term financial stability compared to interest-only mortgages. Additionally, they provide borrowers with the opportunity to build equity in their commercial property over time.
Fixed rate commercial mortgages are a type of financing solution in which the interest rate remains the same for the duration of the loan term, typically between two and five years. This structure provides borrowers with the peace of mind of knowing that their monthly repayments will remain constant throughout the fixed rate term, regardless of any changes in the Bank of England Base Rate during that time period.
With a fixed rate commercial mortgage, borrowers will not benefit from any decreases in interest rates during the fixed rate term. However, they will profit from the increase in interest rates, as their monthly repayments will not change.
One of the key advantages of fixed rate commercial mortgages is that they offer greater financial stability and predictability for businesses. This can be particularly beneficial for businesses with limited cash flow or those that are looking to manage their expenses more effectively.
Variable rate commercial mortgages are a type of financing solution in which the interest rate is not fixed, and therefore, may fluctuate over the course of the loan term. This means that if interest rates rise or fall, the interest rate and consequently the borrower’s monthly payments may also change.
The variable rate structure of commercial mortgages means that borrowers may benefit from decreases in interest rates, resulting in lower monthly payments. However, they may also be subject to increases in interest rates, which can result in higher monthly payments.
One of the key advantages of variable rate commercial mortgages is that they offer borrowers the potential to benefit from fluctuations in interest rates. Additionally, they can provide businesses with greater flexibility in managing their finances.
Joint venture finance is an increasingly popular financing solution for property development in Edinburgh and across the UK. Property development, whether from scratch or through the development of new properties, can be an expensive endeavour, and the demand for finance is high.
Joint ventures offer tailored solutions to meet the unique financing needs of property developers. This type of finance involves an investor or partner agreeing to fund the property venture in exchange for a share of the profits.
Joint venture finance is particularly useful for property developers who want to get a project moving quickly but may not have sufficient capital at the time. It is most suitable for experienced developers who have a proven track record in property development.
Why Choose Us?
When it comes to finding a bridging loan broker in Edinburgh, 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 Edinburgh 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 Edinburgh 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.