Award winning
Property & Business Finance, Protection & Insurance solutions for private and corporate clients.

With Finanze, it’s personal.

AN INNOVATIVE AWARD-WINNING BESPOKE PRIVATE BROKER

We focus on exceptional
advice, service and diligence
for discerning clients.

Beyond bespoke, harnessing the knowledge, experience and influence of team we create custom finance solutions for clients.

From creating products to meet our client needs, to designing products we believe the market needs, Finanze combines the holistic experience of the Group and creates unique solutions for our clients.

We like to get involved as early as possible in a transaction, providing guidance on various products and strategies that could be useful, before helping customers to run comparative analyses on different scenarios.

A holistic 360 service for our valued customers from property & business finance to protection and insurance to provide a

one-stop-shop for their needs.

First Section

299+

Lenders

“Alastair is a thoroughly professional chap, knowledgeable and hard working. I use his services myself and happily recommend clients to him where they don’t have their own broker in place or for a second opinion.”

Bryn, England

PROPERTY FINANCE BROKERAGE

BRIDGING LOANS

Bridging is used as short-term finance for buying and/or refurbishing a property.

With LTVs up to 100% of purchase price depending on circumstances and potentially 100% of works as well.

If you are looking for a quick injection of capital, bridging may be right for you.

TITLE SPLIT / MV
FINANCE

Back in 2022 we hit the headlines for finding a way to finance a property being title split on purchase. Fundamentally lending was on the uplifted 'split value' with many clients getting 100% of Purchase Price.

We continue to see these daily and now offer the same leverage for properties being bought below market value, exclusively through our lending arm - Finanze Capital.

BRIDGE TO LET MORTGAGES

Most BTL mortgages won't allow any significant refurbishment and need tenants in situ.

If you need to renovate the property and want to save on paperwork and fees, a Bridge To Let may be more appropriate.

This is a bridging loan and BTL mortgage rolled into one.

BUY TO LET MORTGAGES

Property all done up and tenants signed their ASTs?

Time to get your equity unlocked with a BTL Term Mortgage.

Up to 80% LTV available and Capital Repayment or Interest Only options, providing flexibility to pay off costs incurred or even use to buy the next property.

SEMI/COMMERCIAL MORTGAGES

Whether you are looking to buy a new building for your business or want to release equity from your current one, a Commercial Mortgage can help you achieve that. Often with terms up to 25 years and longer fixed interest periods.

A Semi-Commercial Mortgage may also be suitable if the property is mixed use between residential and commercial.

DEVELOPMENT FINANCE

Borrowing larger amounts, with the bulk upfront and the rest drawn over the build process? Development Finance is considered short-term lending to help developers with the purchase and build costs of a project.

Finanze can also introduce you to JV and Mezzanine lenders to evaluate all your options. Suitable for residential, commercial and mixed-use projects.

BUSINESS FINANCE BROKERAGE

BUSINESS
FINANCE

Business finance is the funding a business needs for commercial purposes. It is the money business owners require to start, run or expand a business. It includes business loans both secured and unsecured. Often used for funding inventory, equipment, marketing, cash flow and various other business needs.

It also includes trade finance, making it easier for importers and exporters to transact business. It includes products such as letters of credit, import and export credit etc.

FACTORING / INVOICE DISCOUNTING

Invoice factoring is a type of accounts receivable finance also known as ‘factoring’ or ‘debt-factoring’.

Invoice factoring enables businesses to sell outstanding invoices (accounts receivable) to a third-party commercial finance company (a factor). Invoice discounting is a short-term borrowing against outstanding invoices – it enables you to sell unpaid invoices to a lender, who then gives you a cash advance based on the percentage of the invoice value.

ASSET FINANCE / LEASING

Asset finance is a flexible alternative to a traditional bank loan, providing significant cash flow benefits for businesses looking to purchase new or used equipment, a vehicle or other fixed assets.

This type of finance is used to obtain equipment through hire purchase or equipment leasing agreements.

We also help with soft asset finance such as leasing of furniture for properties.

PROTECTION & INSURANCE REFFERAL

LIFE
COVER

Life cover is used to describe life insurance or death cover provides a cash lump sum in the event of your death, or if diagnosed with a critical illness. This can also be paired with critical illness cover as part of your life cover or taken out separately.

By paying a monthly premium or a lump sum to your insurer for the cover, you can protect your loved ones from financial distress if you were to die or suffer from one of a list of illnesses.

The money could also be used for funeral costs, repayment of a mortgage, clearing debts, or your family’s living expenses.

CRITICAL
ILLNESS

Critical illness cover provides financial protection from certain illnesses and medical conditions of a defined severity.

Your cover will provide a tax-free lump sum cash payment which can be used to assist you and your family. It could for example, help you pay off your mortgage, pay for treatment to help you recover or also pay your household bills.

All critical illness policies will cover cancer, heart attacks and strokes, providing they are of a certain severity.

INCOME PROTECTION

Income protection insurance is designed to support you financially if you have to take time off work through injury or illness and suffer loss of earnings as a result.

This type of insurance covers the majority of illnesses that restrict your ability to work. For example it may cover you if you’re unable to work due to a stress-related illness, mental health or a physical health condition.

Income protection insurance will only cover you if you’re unable to work due to illness or injury – it does not however pay out if you're made redundant.

PRIVATE MEDICAL INSURANCE

Private Medical Insurance (PMI) provides cover for the cost of private medical treatment for ‘acute conditions’ diagnosed after your policy begins.

PMI has a whole range of options in terms of different levels of cover at various price points designed to meet the needs of individual customers.

For example, you can select the types of treatment covered, what level of cover will apply to those treatments, the location where your treatment is provided and the contribution you are willing to make towards those treatments.

BUSINESS PROTECTION

Business protection ensures that in the event of disruption through the death, critical illness or temporary disablement of key employees or a business owner that the business can continue running with minimal issues.

It provides a financial safety net to a business and there are different products depending on circumstances. From providing funds in the event of a death, to purchasing shares from a widow, providing funds to repay loans or even allow the family of a shareholder to receive fair value for their share of the business.

HOME & BUILDING INSURANCE

Home insurance falls into two categories:

Buildings insurance covers the structure of your home and any permanent fixtures and fittings, such as fitted kitchen units and bathroom suites, if they are damaged or destroyed. It is a requirement for property loans to have this in place.

Contents insurance covers the cost of replacing or repairing your possessions if they are damaged, destroyed or stolen.

You can buy buildings and contents insurance separately or as a combined policy.