May 2014 - First 4 Commercial
30May2014

Birmingham Midshires mortgage?

Do you have a Birmingham Midshires mortgage? Are you currently paying their Standard Variable Rate (SVR)? Or is your fixed rate coming to an end?

first4commercial.com offer a FREE product transfer service to all our existing and new customers. Even if you used another company to obtain your Birmingham Midshires mortgage we can still help. The current Standard Variable Rate (SVR) with Birmingham Midshires is 4.84% (as of 30/05/2014). We can offer a FREE switch to a new 2 year fixed rate from as little as 3.79% which can and has saved clients hundreds of pounds.

Mr & Mrs R “We saved over £110 per month by using the FREE product transfer service with first4commercial. This is more than £1300 per year back in our pockets”

Mr P “All I had to do was provide a little of my information and first4commercial.com took care of everything else for me. Great service, very happy”.

We will take care of all the paperwork and will provide you with a no-obligation illustration to show you what you will pay on your new rates. All you need to do is get in touch with one of the team today to get the process started.

With the threat that the Bank of England Base Rate will be increasing soon, it is even more important to make sure you get your investment properties onto a fixed rate so that you know your monthly payment is guaranteed in the short term.

Start saving money today with first4commercial.com on your Birmingham Midshires mortgages.

For full details and a FREE tailored illustration please contact the team on 01277 620083 or email info@first4commercial.com

first4commercial.com

f4c

T: 01277 620083 F: 01277 658900 E: info@first4commercial.com

A: 5 Alyssum Walk, Billericay Essex CM12 0SS

6May2014

Small Personal Loans

Bank of England data shows that high street lending to business fell in recent months, but the good news is that personal loan rates are now much lower than in recent years. As a result, loan demand is rising fast driving something of a ‘loan price war.’

For any amount up to £25,000, a small unsecured personal loan is a good way to fund a short term cash crises or invest in a business venture. And the advantages of unsecured loans are many. Firstly, you’re normally able to choose how long the term of the loan is (reducing interest costs), Secondly, you won’t lose your home should you fall behind on payments, and thirdly, you benefit from fixed payments.

So what do you need to bear in mind before taking out a loan? As with any financial product, it’s important to consider the costs, as well as the terms. Remember that your credit history will affect the interest rate, as well as the length of the loan. Our connections with Peer to Peer lenders in the UK, offer a popular and cost effective option for potential borrowers, providing good value loans for a variety of purposes. Available to both those who own their own home as well as tenants, and with no early repayment charges, those with a clean credit history will benefit from the cost and flexibility of these loans. To apply, simply fill in the personal loan application form, and you’ll receive an online decision within seconds.

For full details and a FREE tailored illustration please contact the team on 01277 620083 or email info@first4commercial.com

first4commercial.com

f4c

T: 01277 620083 F: 01277 658900 E: info@first4commercial.com

A: 5 Alyssum Walk, Billericay Essex CM12 0SS

6May2014

Bridge to Property

Many more people are taking advantage of house price growth and rising rents to launch into investment properties or buy- to-let, and taking out a bridging loan to fund the project is the ideal way to help finance it. Bridging loans can provide the additional finance to be used for refurbishment, to help achieve completion or to buy discounted property at auction. As long as there’s a clear exit strategy in place, a bridging loan is a quick and easy way to secure finance.

So when might bridging finance for a property purchase be suitable?

Banks can be tricky about buildings requiring redevelopment, and are unlikely to lend money for properties needing renovation. The big advantage of bridging finance in property is that there are no restrictions on buying for renovation. Investing in refurbishment means that once the property is improved, you’ll benefit from either higher rental income, or re-selling for profit. As many bridging lenders offer rolled up or retained interest payments, then neither do you need to worry about monthly repayments.

If you’re buying at auction, then quick bridging finance will help you complete within the standard 28 days, and properties being sold at below their market value can also be secured before they’re snapped up. The beauty of bridging is in the flexibility. So property investors can move fast, and increase and improve portfolio’s, without stepping foot in the bank. Contact one of our qualified advisors for more advice on bridging for property – we’ll help you find a way.

For full details and a FREE tailored illustration please contact the team on 01277 620083 or email info@first4commercial.com

first4commercial.com

f4c

T: 01277 620083 F: 01277 658900 E: info@first4commercial.com

A: 5 Alyssum Walk, Billericay Essex CM12 0SS

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