Why choose Avenue & Co Private Finance?
Our expertise is in 3 main lending areas:
Residential and Commercial mortgages: Commercial & Residential property purchases, remortgages for individual and portfolios. We have access to a range of exclusive products for professional occupations and landlords and we specialise in bridging finance.
Finance for loans above £500,000: We have established close relationships with the major high street lenders and as well as foreign UK based private banks that allow us to obtain specialist lending terms and exclusive rates. We can advise on obtaining bespoke funding and loans up to £50m and can offer full offset mortgages for loans from £1m up to £25m.
Mortgages for complex cases: We are experts in funding for Non standard construction property, Transfers of equity (including Divorce), purchases through a Limited Company (SPV), Auction purchases, Foreign currency / Multi Currency mortgages , Bridging and Marine Finance.
Key Facts about our service:
- A Free 1 hour initial consultation is available for all enquiries.
- Advice is offered on the most complex of cases - we aim to provide solutions, not promises.
- Whole of Market Advisers.
- We are the market specialists in arranging large loans (£500,000 to £50m) and we can arrange tailored products for residential, commercial, Buy to Let, development, marine and bridging finance from leading lenders.
- Our continued investment in state of the art technology and research means that you are dealing with a firm that is first to know in advance when lender product changes are likely to take place and we offer full online mortgage processing for over 80% of UK lenders for speed and efficiency.
- All advice is through qualified, professional advisers who have a minimum of 10 years experience. Our advice is completely impartial and independent and we offer products from the whole marketplace.
- We are in partnership with the leading Lenders, Solicitors, Accountants and Surveyors in the UK.
- Applications can be processed through meetings or via phone, post and email.
At Avenue & Co Private Finance, we believe the three most important factors when selecting and adviser and mortgage product are:
1. Professional Independent mortgage advice & service - We have a clear understanding of products and lending criteria -information and offer rates that are not available on any mortgage comparison site. We have access to products that are not available by approaching the lender directly or via other intermediaries.
2. The overall cost and flexibility of the product - it is not just the headline rate that should be the basis of a decision. Product flexibility, lending terms and all associated arrangement fees and charges should all be taken into account and we do the analysis for you.
3. Efficient processing times, speed and a personal one to one friendly service - Our huge investment in technology means allows us to obtain a mortgage approval or lending decision from every major high street bank and building society in the UK in less than 15 minutes. With some specialist lenders, we can obtain a mortgage offer in less than a week and with most lenders, we submit the full application online which means an efficient service and less paperwork for our clients.
Our advice process has 5 simple steps:
1. IDENTIFY YOUR GOALS - A free 1 hour confidential initial consultation over the telephone or meeting (obligation free) is offered to everyone, during which we establish your current situation, requirements and future plans.
2. ANALYSIS & RESEARCH - After identifying your requirements, we research the whole marketplace to find you the right mortgage deal. We source the marketplace for products based on your credit status, budget, how much you can borrow and how quickly you need to move. We only carry out a credit check with your written consent beforehand.
3. ADVICE & RECOMMENDATION - It's not just a low headline rate that counts. We analyse the rate as well as the lender's fees, survey fees and arrangement fees for a true idea of the overall cost. We also make recommendations for all the appropriate mortgage protection insurances, including life cover, critical illness and income protection. We also arrange buildings / contents insurance from a selected panel to ensure your lifestyle, your family and your home are protected in any unforeseen circumstances.
4. REPORT - When you decide to proceed, we put in writing or email to you our recommendation and full details of all lender fees and our fees before commencing any work. We complete all the necessary paperwork for you and we will liaise with vendors, agents, solicitors and other third parties where necessary. We also keep you regularly updated of the progress of your application via email and phone.
5. REVIEWS - Once your mortgage completes, we stay in touch and contact you well before when your current mortgage deal ends. Alternatively, if your circumstances change, your personal adviser will help guide you through the various options available to you - at no extra cost whatsoever.
Being completely independent means no more trudging up and down the high street, or spending hours on the internet looking at out of date information and filling out online forms, only to be called by pushy sales people. Our advice is simple, professional, impartial and unbiased.
Independent advice is not just for the wealthy or the financially astute, we believe everyone should be able to benefit from professional and independent mortgage advice, no matter what your circumstances are.
Contact us now by completing the enquiry forms or email your contact details at:
enquiries@avenue-pf.com or simply call 0845 230 9091 and a qualified financial adviser will call you immediately to discuss any enquiry.
COST OF ADVICE
As independent advisers, you can choose how we are paid. We usually charge an administration fee of £250 when a full mortgage application is submitted to the lender. We may on completion receive a commission from the lender. Alternatively, you can pay us a a fee of 0.5% of the loan and we will refund any commission back to you that we receive.
We adhere to the principles of treating customers fairly and if we do charge you a fee, we will put in writing to you details of any fees before commencing any work.
Your property may be repossessed if you do not keep up repayments on your mortgage.
For Self Certification/Right to Buy loans the overall cost of comparison is 6.5% APR. The actual rate available will depend on your circumstances. Ask for a personalised illustration. This APR is based on those with a clean credit history.
Foreign mortgages and loans are not arranged by Sesame.
Changes in the exchange rate may increase the sterling equivalent of your debt.
Commercial mortgages are not arranged via Sesame.