Avenue & Co Private Finance - Premier Service -for residential and Buy to Let lending above £1m.
Special Clients, a very special service.
Our large loans service for loans above £500,000 offers the following features:
Private Bank Funding - Loans from £1m - £25m.
Private Banks now play a key role in large lending, offering a much greater flexibility of products in terms of how the rate is calculated and how they take into account income and bonus payments. Private Bank lending can cater for the more complex cases where applicant;s income is made up of various sources. These products not show up on price comparison sites and are only available either through an existing relationship with the private bank, or through professional brokers. Avenue & Co Private Finance can access these products for our client, and the increasingly popular LIBOR lending rates offer very competitive lending terms.
1. 10 day turnaround for mortgage offers for Loans from £500,000 to £3m. (£3m-£25m - may take longer).
2. Exclusive rates and schemes not available through any other UK brokerage.
3. Out of office hour meetings at a location of your convenience - 6 days a week.
4. Favourable relationships with UK & foreign UK based private banks and every major and every UK high street lender and Private Bank.
5. - Mortgages can be secured for complicated income streams, consideration of bonuses, lending on existing assets (including investments) and share portfolios or investable assets.
We have the unique ability to negotiate directly with the underwriters and credit committee on behalf of our clients to ensure we obtain the most competitive lending terms or where applicants do not fit the usual criteria.
Ask your adviser about our award winning Private Bank lending mortgages that offer you the ability to choose a combination of rates and repayment methods, based on LIBOR and Bank Base Rate.
SPECIALIST AREAS OF ADVICE:
FOREIGN CURRENCY LOANS: Mortgages available in US dollar, Japanese Yen, Euros, GBP Sterling, Swiss Franc, Hong Kong dollar. and managed Multi Currency mortgages are also available.
LIBOR & FOREIGN LENDERS - Access to LIBOR and Bank of England Base rate lending products from Private Banks and Foreign lenders where UK lenders have lost appetite to lend above £10m.
NEW BUILD & SELF BUILD MORTGAGES: Whether you are building your own property or are considering purchasing a new build property, we are the experts. Finance can also be obtained if the property is of non standard construction..
BUY TO LET: Specialist technical advice for short leases, Listed property, Conversions, property requiring heavy refurbishment/rebuilding, Land and development finance can also be arranged for experienced property professionals on attractive terms. Independent Bridging Finance and Buy to Let / Residential mortgages can be approved within days if buying at auction and bridging finance to 60% of Purchase price and 90% of build costs available.
PROFESSIONAL OCCUPATIONS & OFFSET MORTGAGES: Enhanced lending terms for Doctors, Dentists, Accountants, Pharmacists, Vets, Solicitors, Finance professionals, Self Employed, Company directors and partnerships. If your income comprises of large annual bonus payments (including currencies other than GBP) we advise on all the tax effective mortgage products including full analysis of offsetting options.
FAST TRACK ON LINE PROCESSING: Mortgages approved within 48 hours and valuation instructed the same day. Mortgage offers obtained within 10 days (Express Priority Service).
All paperwork is completed by us - there is minimal form filling required by you. Communication is done mainly via email and copies of documents are forwarded via e-fax and email.
INDEPENDENT MARINE AND AVIATION FINANCE - for purchasing Boats, Yachts and Private Jets. We’ll help you find precisely what you want, and can arrange the most cost effective finance that supports it . Our specialist advice can help with mitigation of V.A.T. and valuations with advice from the leading lenders.
You can trust our specialist teams to know what we’re doing, and to help make your purchase as worry and as hassle free as possible. We are independent and will research all the marine and aviation finance lenders and this will also include referral to Private Banks specialising in this area.
EXPATRIATES & FOREIGN CURRENCY MORTGAGES
Foreign Currency mortgages are available where applicants earn income in other currencies such as dollar, yen and Euros, or where you have a preference for a foreign currency loan.
Mortgages are also available via specialist private banks for Non residents, UK Expatriates and foreign nationals. For applicants living outside EU countries and applicants on specialist occupations such as Sports, Entertainment and other professional occupations, flexible underwriting and larger loans can be arranged. 
For all enquiries in this area, please email: hnw@avenue-pf.com.
Contact us by simply completing our on line enquiry form on line or call 0845 230 9091 - A qualified professional adviser will get back to you within 24 hours to discuss any enquiry - obligation free.
COST OF ADVICE
As independent advisers, you can choose how we are paid. For loans above £500,000, we usually charge an administration fee of £500 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 Employed 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 or regulated by the Financial Services Authority.
Changes in the exchange rate may increase the sterling equivalent of your debt.
Commercial mortgages are not regulated or arranged by Sesame or the Financial Services Authority.