Property Development Loans
If you are involved in the building industry or wish to undertake a property development or refurbishment project
then funds are available for potentially profitable projects.
Short Term Bridging Loans
If you have a need for a short term loan
and need the funds quickly then we can provide funding for any legitimate purpose over loan terms ranging from
1 day to 24 months.
Commercial Property Mortgages
If you wish to purchase a commercial property for either your own occupation or as an investment, Equinox provide access to all of the major commercial property mortgage
lenders.
Buy to Let Mortgages
We can assist with a broad range of buy to let mortgage
products on both fixed and variable interest rates. We also have access to specialist lenders for HMO’s and Serviced Accommodation properties.
Asset Finance
We are specialists in raising finance for the essential equipment that you need to grow your business.
Asset finance
can be used to fund any asset, from basic office to factory machinery.
Invoice Finance
No matter what the age and size of your business we can usually provide workable and cost effective invoice finance
to improve the cash flow in to your business at rates often far better than overdraft terms.
Business Loans
Working with the most flexible and responsive lenders in the UK we can provide the business loan
required for your business be it new start up, acquisition or expansion.
Learn more >
Learn more >
Top Tips For Securing Finance
Download our free guide, Top Tips for Securing Business Finance.
Why Should You Use a Professional Finance Broker?
We offer all our clients a true ‘one stop shop’ facility, our core competence is to provide you with a fully managed and professional service to secure the most competitive funding offer available from the entire market.
In addition we can, if required, organise any property valuations, insurances and legal support necessary to complete the transaction. We will fully package and submit the lending proposal to ensure your funding application is processed quickly and efficiently with funds available in the shortest possible time.
We are also accredited by The London Institute of Banking and Finance as a Certified Practitioner in Specialist Property Finance.
Reviews:
Would Highly Recommend Using Equinox Commercial Finance
"Simon helped us secure a mortgage on a commercial property to be used as a Children's Nursery.
From the start Simon helped us understand our options and quickly came back with the best quotes available.
He then helped with all the paperwork and documentation needed to provide to the lender and quickly came back with a finance offer that suited us.
I would highly recommend Equinox for any commercial lending."
Matthew Butterfield
Over 250 Lenders:
Client Stories:
Commercial Property Mortgage
We were approached by a client to secure a Commercial Mortgage on a warehouse facility he had previously been renting for his parcel delivery business... read more >
Property Development Loan
Our client had been running a successful York based building company for 10 years and previously had the support of an equity based investor who provided all necessary funds in return for an agreed profit share... read more >
Buy to Let Portfolio
Re-Finance
Our Client had built up a trading business and portfolio of 48 residential investment properties in the Greater London area. Mortgages on the properties were provided via 11 mortgage providers... read more >
News and Insights:
We were approached by a client who had been operating successfully in the bar / restaurant sector for the past 9 years. The client was given the opportunity to purchase the freehold title of the restaurant and initially employed the services of another commercial finance broker to raise the capital for the purchase. The broker arranged a short term bridging loan combined with two other longer term loans for the client on the understanding that the client would be able to refinance onto a long term commercial mortgage post completion. The broker was unable to deliver on his promise of refinancing the client's debt, leaving the client with significant debt at an average interest rate of 13.5%. The client approached Equinox Commercial Finance and we were able to refinance the £430k debt onto a commercial owner occupier mortgage at a 5-year fixed interest rate of 8.31%.
The programme was developed in conjunction with the Association of Short-Term Lenders (ASTL) and Financial Intermediaries and Brokers Association (FIBA). It is designed to build skills and knowledge of the specialist property finance sector, including bridging finance, buy to let lending, commercial mortgage lending, and development finance. Key Skills Include: Ability to apply understanding and identify most suitable product for customers Understanding of exit strategies of financial products Understanding of regulatory and processing requirements, and how each of them is underwritten Understanding of the benefits and risks of different specialist finance products, to customers and lenders Understanding of the different types of specialist property finance options.
We were able to provide a commercial mortgage to a North Yorkshire landlord who had previously taken a two year bridging loan to secure the purchase of a pub. The landlord was a new entrant to the leisure industry two years ago, having retired from his previous profession 12 months earlier. Therefore, The client had less than the 3 years of minimum experience required by commercial mortgage lenders operating in this sector at the time. On this basis Equinox Commercial Finance were able to provide a 2 year Commercial Bridging Loan to the client, which enabled him to purchase the property. At the end of the 2 year term the client had enough experience to be able to re-finance onto a long-term commercial mortgage, although given the current climate most lenders had withdrawn their appetite to lend to the sector. The client had implemented some impressive growth plans including increasing the size of the rear bar area, further decorative improvements and development of the outside areas. He had also made significant cost reductions, which helped his cash flow position. On this basis Equinox Commercial Finance were able to provide a mid term Commercial Mortgage product to the client, with a view to refinancing again when the current turbulence in the lending market subsides and mainstream lenders are open to the leisure sector once again.
