Restore Finance Ltd
Specialising in 
Property Finance
since 1998

Competitive Rates from 0.25% pm

Up To 100%

Funding

Loans

from £26k

 

Fast Decisions

 
OUR TEAM
 
We're a family-run business that was established in 1998. We like to build strong customer relationships and give each of our client's guidance as well as a strong vision. We find the best solutions, that are both fast and efficient, there is never a slow 'no' with us.
 
As we are a family-run business this gives us the time to get to know you personally as well as understanding your requirements, without being passed around. We have over 20 years of financial services experience so we value and believe that commitment and trust is key. This is what makes us different. 

 

 

Funding Wall

This is a selection of past completions

Purchase & Refurb Loan

Loan Amount: £187k

Location: Peterborough

Date Completed: May 22

Re-Bridging Loan

Loan Amount: £1.2m

Location: Kent

Date Completed: Nov 21

Development Loan

Loan Amount: £354k
Location: Cheshire
Date Completed: Mar 22

Working Capital Loan

Loan Amount: £47k
Location: Glamorgan
Date Completed: Dec 21

Developers Exit Loan

Loan Amount: £232k
Location: Lincolnshire
Date Completed: Apr 22

Buy To Let Mortgage

Loan Amount: £132k

Location: Lancashire
Date Completed: Feb 22

Commercial Loan

Loan Amount: £490k
Location: Essex
Date Completed: Jan 22

Bridging Finance

Loan Amount: £378k
Location: Cumbria
Date Completed: Dec 21

 

The lender instructs a valuation if the security includes land and/or property.

WHAT'S
OUR
PROCESS?

Initial enquiry from the client/ introducer to ourselves.

We complete our proposal form with the client.

We identify a suitable lender for the deal.

If the lender accepts, they will issue an ‘acceptance in principal'.

We then complete the application form and any other documents required by the lender.

Client accepts the terms from the lender and signs them for us to send back to the lender.

We propose the deal to the lender.

A formal offer will be received from the lender. This is then signed by the client and sent to the lender.

Completion – the deal has now completed!

Both the lender and the client instruct lawyers.

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Stock Trade
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TYPES OF SECURITY A LENDER CAN TAKE:

1ST LEGAL CHARGE

A first charge mortgage is the primary legal charge against your property, which takes priority over any other mortgages. If the property is sold or refinanced, the first mortgage is paid before any of the other mortgages charged on the property. Usually, the loan used to purchase the property is secured by a first charge.

DEBENTURE

A mortgage debenture is a fixed and floating charge in which a loan is secured against a company’s assets. A legal document is registered at Companies House which notes the lender’s interest and prevents another lender obtaining a debenture. The debenture covers cash, property, tangible and intangible assets that are owned by the Limited Company.

2ND AND 3RD LEGAL CHARGE

Second and third charge mortgages have secondary and third priority behind your main mortgage. It is a secured loan, which means the borrowers property is used as security. Quite often Deeds of Priority will be entered into between the various lenders setting out the levels of their debt.

PERSONAL GUARANTEE

A personal guarantee is an individual’s legal promise to repay a limited companies debts. Providing a personal guarantee means that if the business becomes unable to repay its debts, the individual guarantor is personally liable and responsible.

 
COMPLETIONS
IN 2021
93
SATISFACTION
RATE
100%
FUNDS LENT
OUT IN 2021
£17.75m
 
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