UK Financials Ltd provides vital capital for predominantly the small and medium sized business. Each case can be considered against criteria other than audited accounts and detailed projections – information that is increasingly costly and less relevant for small and medium sized businesses.

Our process is geared towards being simple, quick and flexible. Our mortgage products are available with terms up to 30 years, generally up to 79% LTV (for transactions up to £500k). 100% advances can be made with additional security (either residential or commercial property) from the borrower. Early repayment charges apply.

Commercial Lifeline is independent commercial mortgages brokers saving you money on your Commercial Mortgage and Bridging Finance through lender choice.

Get our free Commercial Mortgage guides by visiting our Commercial Mortgage Guide page.

As is the case when applying for any mortgage, be it a residential or a commercial mortgage, the better your credit and the better the collateral, the easier the process becomes. But that doesn't mean that if your credit is less than perfect, or you want to purchase commercial property in a less then desirable part of the city, that you are automatically locked out of getting the money you need. It just means that you need a "friend" in the business.

When you are applying for a commercial mortgage your potential lender will consider your credit rating, your business' balance sheet, the purpose of the loan, and the type and location of the proposed property as well as that property's appraised value. If every one of these items do not fall within the lender's acceptable guidelines then you may get a "no thank you" instead of a pile of money. Considering the amount of paperwork that you may have to complete in order to get a decision, be it a positive or negative one, you want to make sure that you have the best chances of securing that loan before you even start. And that is where having a "friend" in the commercial mortgage business comes into play. If you were going duck hunting, and only had one shell with you, then you'd better be a pretty good shot. On top of that, you'd better not be planning to serve roast duck to a crowd because you're only coming home with one duck if any. Oddly enough, the same holds true when you are applying for a commercial mortgage.

Different lenders have different requirements for granting an approval. Since your goal is to make getting a commercial mortgage loan approval as easy as possible, then you need to carry more than one shell with you

We provide term finance on properties including:

· Farms

· Pubs, restaurants, take-away units

· Shops and shops with living accommodation

· Hotels, guest houses, B&Bs, holiday lets

· Industrial units, factories, offices, warehouses

UK Financials Ltd represents you and submits your commercial mortgage loan application to many lenders. Your "one shell" turns into a whole case of ammo as your application makes it across the desk of potentially hundreds of lenders. The odds are greatly in your favor that you are going to get an approval from at least one lender and, the truth is, many borrowers end up with several interested lenders and can actually negotiate the terms and conditions which suit them exactly.

Since your commercial mortgage loan broker doesn't earn their fee unless you get approved, they work with you to make getting a commercial mortgage loan as easy as possible. And, since the broker gets paid by the lender and not you, there is absolutely no reason not to engage their services. Even if you had access to the same quantity of lenders as a broker does, you would have to fill out a separate commercial mortgage application and submit it to each lender. That process alone would take you more time than it takes to drive across the continent. A broker uses the same application and sends it to all of their lenders. That fact alone makes it easier to get a commercial mortgage than doing it yourself does. Even better is the fact that the broker already knows the terms and conditions that each of their lenders utilize. The broker will only send your application to those lenders whose qualifications you already meet.

Cheap Loans - your Dreams Will Come True

Diposting oleh Adi Susanto | Monday, June 08, 2009 | | 131 komentar »

Cheap loans are the answers to the wishes of millions of people in UK who are tired of their insignificant monthly salaries and want to get more out of their lives.


Even a few years ago cheap loans were a flight of fancy for the borrowers, which were invited with nothing but a sardonic smile by the lenders.

But now the online lending arena has increased its perimeters to such distances that every person in UK can find a wide variety of options in cheap loans. There are different kinds of cheap loans that would suit the requirements of different kinds of people in UK with different needs.

Cheap Loans are nothing but loans with a cheap rate of interest. This results in down to earth APR that are not very heavy for the borrower to pay back on a monthly basis. The APR in cheap loans can range from anything between 4.7% to 6.9%. However the actual rate depends upon your credit history, your credit score, your debt to income (or DTI) score and also the base rate decided by Bank of England.

Cheap Loans can be secured or unsecured loans

Cheap Secured Loans: are those loans where you need to keep any of your properties or a part of your property as a security to the lenders. You avail the loan against the collateral which guarantees your pay back to the lender. It is due to this reason that the rates of interest charged by the lenders is usually low in this kind of loans.

With cheap secured loans, you can expect the rates to decrease further.

Cheap Unsecured Loans: In unsecured loans, as the name suggests, there is no requirement of any security. You do not have to place any of your assets or valuables as a collateral with the lenders. Usually the rates are higher in case of unsecured loans, but with cheap unsecured loans, this problem gets solved and one can safely and confidently go ahead applying for them.

Now no more sitting back and pondering over how to fulfill monetary requirements. Simply go ahead and get cheap loans.


Article source