August 2012 - First 4 Commercial
17Aug2012 are full NACFB members are proud to be full members of the National Association of Commercial Finance Brokers (NACFB) and have been for 2 years now. Our advisers are also fully qualified* and have many years experience.





We feel that by being full members with the NACFB we can provide our clients and introducer’s with peace of mind. By knowing that we adhere to their strict codes of conduct means that we are able to achieve the high standards of customer service and the transparency required when dealing with a commercial finance broker.

In all cases we provide a FREE no obligation quotation providing our clients with a full breakdown of the expected costs and fees involved. This gives our clients the right information in which to make an informed decision when comparing our quotations with others. is against all forms of commercial mortgage fraud from upfront fee fraud to more complex mortgage fraud. By being full members of the NACFB we are able to raise the profile of the commercial mortgage broker and hope that fellow members do the same. This is vital to build trust in our industry and provide clients with the best advice available.

By being part of a large group of like-minded fellow professionals we are able to offer exclusive rates and unrivaled knowledge to SME’s along with the first class customer service you have come to expect from

 In addition to this we are also  members of the Association of Bridging Professionals (AOBP).     Providing the right advice for all our bridging finance enquiries too.


Contact us today for further information.
 01277 620083 F: 01277 658900 E:

Colchicums, The Vale, Stock, Ingatestone, Essex CM4 9PW

*Minimum qualification Certificate in Commercial Mortgages (CeCM)


Non status commercial mortgages

Non status commercial mortgages


We are extremely pleased to announce a new non status commercial lender on our panel. This gives our clients, with either adverse credit or those unable to prove income, a source of funding in a very difficult market. We have always had a non status lender on panel however we found them to be unreliable and inconsistent in their lending approach which made us very hesitant to recommend them to our clients.

Acceptable security includes, commercial property, semi-commercial property and residential investment properties. This is secured on a first charge basis up to a maximum of 65% of the 90-day value (forced sale value) of the property. Money is available for purchase or refinance and also with or without capital raising. The fees associated with this finance are very low when compared to like-for-like lenders and as you would expect from the service provided to clients is second to none.

Unfortunately the non status finance is not available to the following types of property/transaction:

  •       Land only transactions
  •       Farms
  •       Development or property conversions
  •       Leasehold property where the lease has less than 60 years to expiry
  •       Owner occupied residential property
  •       Any other transaction deemed to be regulated by the FSA.


Although this may preclude some customers with this particular lender will be able to secure finance for these clients with a suitable alternative.

New business start ups with no previous experience are a great niche for this lender as most high street banks and other lending institutions will insist on experience or accounts before providing funding. We are able to secure the funding for the clients and can look at a refinance onto lower more mainstream/high street rates in 2-3 years once the clients have the relevant experience and accounting information available. There are NO early redemption penalties on this product for the first 5 years so no danger of incurring another large fee during the process.

If you add to all the above the great SPECIAL OFFER of a zero commitment fee from we can guarantee great service, great products and very low costs to each and every customer regardless of their credit history or lack of income proof which wasn’t always the case in the past.


Contact us for more information on how we can help you today!!!
 01277 620083 F: 01277 658900 E: info@first4commercial.comColchicums, The Vale, Stock, Ingatestone, Essex CM4 9PW

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