Owning a commercial property is often a crucial step for businesses looking to expand their operations. However, financing the purchase of a commercial property is not as straightforward as obtaining a residential mortgage.
Commercial mortgages have their own set of rules and requirements that businesses need to navigate.
In this comprehensive guide, we will explore the key aspects of getting a commercial mortgage in the UK, answering the question, can a business get a mortgage?
Yes, businesses in the UK can obtain commercial mortgages to finance commercial properties or income-generating properties.
These mortgages differ from residential ones, requiring a larger deposit and a more detailed application process.
A business mortgage is a loan that enables a business to finance the purchase or refinancing of a property that will be used solely for business purposes. Unlike residential mortgages, which are intended for personal homes, a business mortgage is specifically designed for commercial properties.
It allows businesses to acquire properties, refinance existing mortgages, or even redevelop properties to suit their needs.
There are several types of business mortgages available in the UK, each catering to different business needs. Let's explore the most common options:
A commercial mortgage is the most straightforward type of business mortgage. It involves securing a loan against a property that will be used solely for business purposes. Whether you want to transition from leasing to owning your business premises or establish a buy-to-let business model, a commercial mortgage can be an ideal choice.
Additionally, refinancing an existing property to unlock its capital is another option within the realm of commercial mortgages.
Portfolio finance allows businesses to borrow against two or more properties within their portfolio. This type of financing can be used to acquire additional properties, develop existing properties, or release capital tied up in the portfolio.
Portfolio finance often offers lower interest rates compared to traditional commercial mortgages due to the higher value of the portfolio.
Bridging loans provide short-term finance to bridge the gap between acquiring a new property and obtaining a mortgage that fully covers its cost. These loans utilise the equity in a property you already own as a down payment for another purchase.
Unlike mortgages, which can have terms spanning several decades, bridging finance typically has a maximum term of one year.
Businesses looking to develop new properties or redevelop existing ones can benefit from development finance. This type of loan is tailored to meet the specific needs of property development projects and may differ slightly from a traditional commercial mortgage in terms of terms and conditions.
Mezzanine finance combines elements of both debt and equity finance. It is used to bridge funding gaps on high-cost property projects. If you have already secured a majority of the investment required through a mortgage, mezzanine finance can provide the remaining funds needed to complete the project.
The amount of mortgage a business can get for a commercial property depends on various factors, including the financial health of the business, the type of property, the lender's policies, and the specific terms of the mortgage.
Generally, commercial mortgages cover a percentage of the property's value, typically around 65% to 75%. However, this can vary, and some lenders may offer higher or lower percentages.
To determine the exact amount, businesses should consult with potential lenders and provide detailed financial information for assessment.
To secure a business mortgage in the UK, you need to follow a straightforward application process. However, given the competitive nature of the commercial finance marketplace, it is crucial to find the right mortgage for your business's specific needs.
Lenders will assess your viability based on various criteria, including your credit rating, current financial situation, projected financials, assets, and business plan.
It's important to note that businesses with less-than-ideal credit histories may face challenges when trying to obtain a commercial mortgage. In such cases, alternative business finance solutions may be available.
When it comes to commercial mortgages, the types of properties that require this type of financing are diverse.
While purely commercial properties such as offices, shops, and restaurants definitely need a commercial mortgage, the scope extends beyond these categories.
For instance, you might be interested in purchasing a mixed-use property, such as a pub with a flat or house above. Other properties may be primarily residential but feature attached business spaces, such as B&Bs, kennels and catteries, home-based beauty clinics, and nurseries.
Even if you plan to own a residential property and rent it out, you will need a specialised commercial mortgage known as a buy-to-let mortgage.
In essence, any property that generates income is likely to require a commercial mortgage.
However, it is important to consult with your mortgage lender if you are unsure about the specific requirements for the property you have in mind.
Applying for a commercial mortgage involves a detailed assessment of your business's cash flow, long-term security, and other critical factors. Each lender has its own risk profile and sets its own conditions that your business must meet.
Therefore, if one lender rejects your application, it is essential not to despair, as another lender may have different guidelines that are more suited to your circumstances.
Unlike residential loan applications, the commercial mortgage application process is far less black-and-white. It requires a comprehensive understanding of your business's financials, growth potential, industry outlook, and risk management strategies.
To present the strongest possible application, it is crucial to work closely with a mortgage adviser who specialises in commercial financing and can guide you through the process.
Remember, the stronger your application, the better the deal you are likely to secure. Putting in the effort to present a robust case can result in more favourable terms, lower interest rates, and higher borrowing amounts.
When it comes to deposit requirements, commercial mortgages typically necessitate a larger deposit compared to residential mortgages. While residential mortgages may allow borrowing up to 95% of a property's value, commercial mortgages usually cover only around 65% to 75% of the property's value.
This means that you will have to provide the remaining funds as a deposit.
In terms of mortgage term length, commercial mortgages typically have shorter terms compared to residential loans. While residential mortgages can extend for several decades, commercial mortgages often have terms ranging from one year to 25 years.
However, it is common for commercial mortgages to have a cap of around 15 years.
A shorter mortgage term can limit the borrowing capacity, but it can also be advantageous if you are in a position to repay the loan quickly. When considering the mortgage term, it is crucial to carefully assess your business's cash flow and long-term prospects to ensure that the chosen term aligns with your financial goals.
In general, business mortgages are not necessarily cheaper than residential mortgages. Commercial mortgages often come with different terms, requirements, and risk profiles, which can lead to varying interest rates and costs.
Businesses should carefully assess their options and compare offers to find the most suitable and cost-effective solution.
Remember to consult with a mortgage broker who specialises in commercial financing to guide you through the process and present a strong application.
By carefully assessing your financial position, exploring affordable capital-raising options, and presenting a compelling case, you can increase your chances of securing the best possible deal on a commercial mortgage.
Stuart is an expert in Property, Money, Banking & Finance, having worked in retail and investment banking for 10+ years before founding Sunny Avenue. Stuart has spent his career studying finance. He holds qualifications in financial studies, mortgage advice & practice, banking operations, dealing & financial markets, derivatives, securities & investments.
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We can service the whole of the UK with the help of technology.</p> <hr /> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture.PNG" width="1355" /></p> <p> </p> <h2 class="h2Black">What we can help with:</h2> <p style="text-align:center"><img alt="mewstone mortgage advice" src="/webroot/img/userfiles/user_160/Capture2.PNG" width="1017" /></p> <p style="text-align: center;">We are passionate about our local area, we grew up here, and are now bringing our families up in the area. 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</li> <li> <h5 class="h5Green">Property Development</h5> </li> <li> <h5 class="h5Green">Property Investment Finance</h5> </li> </ul> <h5 class="h5Pink">ben.davies@cfbrokers.co.uk</h5> <h5 class="h5Pink">07376 972 391</h5> ', 'company_logo' => '20230630_COMLOGO_1688118133.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 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depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 3 => object(App\Model\Entity\Job) { 'id' => (int) 69, 'candidate_id' => (int) 173, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Active Financial', 'slug' => 'active-financial', 'description' => '<h2 class="h2Green">The Self Employed Finance Specialists</h2> <p>At Active, we exist to help business owners, entrepreneurs and company directors to secure mortgages and protection quickly, easily and without distracting you from your business and your family. <img alt="Active Financial" src="/webroot/img/userfiles/user_173/Untitled%20design%20(20).png" style="float:right" width="200" /></p> <h2 class="h2Green">What can Active Financial do for you?</h2> <p>Go to most mortgage brokers and lenders and you’ll find that getting a mortgage as a self-employed business owner is tough.</p> <p>You’ve probably already realised that.</p> <p>The truth is that the world of mortgages isn’t set up for people who run their businesses, which can make getting a mortgage for people like you harder.</p> <p>But we can help you make it happen.</p> <p>Because we specialise in this exact area, we know what other brokers don’t.</p> <h2>How Do Active help you?</h2> <p>Over the years we’ve worked with business owners, we’ve built a strategic process that gives you the best chance of getting the finance that suits you and your families circumstances.</p> <p>We call it the ACTIVE framework, and it works, time and time again.</p> <p>No matter what type of finance you’re looking for, the framework serves to secure the best deal for you, as quickly and efficiently as possible.</p> <p>We know what buttons to press, what products to apply for and exactly how you need to get your ducks in a row in order to achieve the finance you need for the home you want.</p> <p>Whether you’re looking for your first home, your forever home, to invest in property, or protect your business or family, we can help, by putting you on the right track towards acceptance, and dealing with the entire process, so you can focus on doing what you do best.</p> <p>When you work with Active, we reduce your stress and save you time.</p> <p>No longer do you have to ring around to try and find lenders who might service you, or spend hours on the phone to brokers.</p> <h2>Why are Active Financial so good at helping people like you?</h2> <p>Because we <strong>ARE</strong> people like you. Here’s our founder Gary’s story:</p> <blockquote> <p class="Quotation14Green">I qualified to provide mortgage advice in 2002, launching Active Mortgage in 2008. But it wasn’t until in 2015, we realised firsthand how hard it is to get a mortgage when you’re self-employed. My wife Ayesha was a sole trader at the time, and I was running Active, and we wanted to buy our own home. Which – as you’ll know – is easier said than done. We really struggled to find a mortgage, and when we did get one, it didn’t really add maximum value, nor did it give us a competitive interest rate. At that point it became my mission to ensure that business owners, company directors, people like me and you – people who risk it all to create something greater and better – are able to secure the perfect mortgage without the stress and worry that I went through.</p> </blockquote> <h2>What’s the next step?</h2> <p>The first step to securing any form of finance is a strategy call, where we can help define your financial goals and understand your circumstances.</p> <p>The outcome is always positive, if we can’t help you with finance now, we’ll help you prepare to maximise your chances in the future.</p> <p>In the mortgage world, failing to prepare is preparing to fail, which is why we recommend that you get in touch with us as soon as possible, even if you’re 1-2 years out from applying for your mortgage.</p> <p>The sooner you get in touch, the higher our chances of being able to help you.</p> ', 'company_logo' => '20230704_COMLOGO_1688476289.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 4 => object(App\Model\Entity\Job) { 'id' => (int) 76, 'candidate_id' => (int) 190, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Capital 8 Finance', 'slug' => 'capital-8-finance', 'description' => '<p>At Capital 8 Finance we pride ourselves on offering the most appropriate and cost-effective form of finance to meet our clients demands and requirements. Whether our client is a new start-up business, borrowing funds to expand or a property investor adding to an existing portfolio or simply someone looking to buy their first home, we treat all of our customers with the utmost respect and professionalism.</p> <p>We do not charge upfront fees for our initial consultation and advice as this is given freely on a no obligation basis.</p> <p>We understand and appreciate that each business is different and every client shall have their own unique situation and circumstances. So, whether out clients require finance to purchase and develop property, start-up a new venture, bridging finance to fund a short-term shortfall, additional funding to grow their business, asset and vehicle finance or even a mortgage, we will deliver a comprehensive suite of products and solutions to meet our clients’ needs.</p> <p>Capital 8 Finance are an independent specialist consultancy providing commercial and business finance support to SME clients throughout the entire UK. Whether your business is well established or a new start we can support you with:</p> <ul> <li>Asset Finance</li> <li>Business Loans</li> <li>Commercial Mortgages</li> <li>Invoice Finance</li> <li>Stock and Trade Finance</li> <li>Revolving Credit Facilities</li> <li>Merchant Cash Advance</li> </ul> <p>As a specialist broker, we also support property developers by sourcing finance for their developments and projects and assist landlords grow their property portfolios with:</p> <ul> <li>Buy-to-let Mortgages</li> <li>Specialist Mortgages</li> <li>Bridging Finance</li> <li>Property Development & Refurbishment Finance</li> <li>Mezzanine Finance</li> <li>Joint Venture (JV) Finance</li> </ul> <p>But that’s not all, we also can help with your mortgage needs. We can help arrange mortgages for:</p> <ul> <li>First Time Buyers</li> <li>People Moving Home</li> <li>Re-Mortgaging</li> <li>Regulated Bridging Finance</li> </ul> <p>At Capital 8 Finance we are genuinely independent, wholly impartial and we will offer straightforward honest advice, given freely and without obligation. Through our established lender partner network, we give you immediate access to over 300 UK based lenders and private banks. All our lending partners have funds available to lend and are genuinely still keen to support the right proposition and provide a genuine and viable alternative to the High Street lenders.</p> <p>When your own bank has failed to offer the support, you need to call us. 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We can help!<br /> ✅ Typically achieving a mortgage offer in just 10-15 working days- Speed!<br /> ✅ Remember we work for you not the banks- so we're on your side the whole time!</p> <p>Our team has over 15 years experience advising and arranging on mortgages and protection for our clients. 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There is a completion fee of 0.75% of the mortgage loan payable on successful completion of the loan / mortgage.', (int) 50 => '545,546,547', (int) 60 => '640', (int) 51 => '596', (int) 35 => '8' ] ] $pcf_values_all = [ (int) 538 => 'Later life', (int) 539 => 'Mortgages', (int) 540 => 'Commercial', (int) 541 => 'Insurance', (int) 542 => 'Initial or Ongoing Consultation Fees', (int) 543 => 'Free Consultations', (int) 555 => 'Inheritance Tax Planning', (int) 556 => 'Buy to Let', (int) 557 => 'Business Protection', (int) 558 => 'Care Plans', (int) 560 => 'International Wealth Management', (int) 561 => 'Retirement Planning', (int) 562 => 'Protection', (int) 563 => 'Investment Planning', (int) 564 => 'Trusts', (int) 565 => 'Will Writing', (int) 566 => 'Wealth Management', (int) 567 => 'Bridging Loans', (int) 568 => 'Commercial Finance', (int) 569 => 'Development Loans', (int) 570 => 'Equity Release', (int) 571 => 'First Time buyer', (int) 572 => 'High Net-Worth Mortgages', (int) 573 => 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'latitude' => (float) 51.52539, 'longitude' => (float) 0.44897, 'elevation' => (int) 24, 'postcode_sector' => 'SS17 7', 'local_government_area' => 'Thurrock', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 5 => object(App\Model\Entity\Town) { 'id' => (int) 13073, 'name' => 'Dundee', 'slug' => 'dundee-city-of-dundee-340093', 'county' => 'City of Dundee', 'county_slug' => 'city-of-dundee-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NO400300', 'easting' => (int) 340093, 'northing' => (int) 730009, 'latitude' => (float) 56.45841, 'longitude' => (float) -2.97367, 'elevation' => (int) 16, 'postcode_sector' => 'DD1 4', 'local_government_area' => 'Dundee City', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 6 => object(App\Model\Entity\Town) { 'id' => (int) 26025, 'name' => 'London', 'slug' => 'london-greater-london-532473', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ324812', 'easting' => (int) 532473, 'northing' => (int) 181219, 'latitude' => (float) 51.51437, 'longitude' => (float) -0.09229, 'elevation' => (int) 31, 'postcode_sector' => 'EC2V 8', 'local_government_area' => 'City of London', 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=> 'LinkedIn', (int) 24 => 'Instagram', (int) 44 => 'Twitter', (int) 40 => 'Profile', (int) 26 => 'Logo', (int) 48 => 'What products do you advise on?', (int) 54 => 'Financial', (int) 55 => 'Mortgage & Loan', (int) 56 => 'Insurance', (int) 57 => 'Later life', (int) 61 => 'Commercial', (int) 52 => 'Headline Description', (int) 2 => 'Your Profile', (int) 32 => 'Tags', (int) 49 => 'Charges', (int) 53 => 'Details', (int) 50 => 'Our Advice Methods', (int) 51 => 'Minimum Wealth', (int) 35 => 'Languages you can advise in' ] $arrPackageCF = [ (int) 14 => [ (int) 0 => (int) 15, (int) 1 => (int) 32, (int) 2 => (int) 28, (int) 3 => (int) 45, (int) 4 => (int) 47, (int) 5 => (int) 43, (int) 6 => (int) 23, (int) 7 => (int) 24, (int) 8 => (int) 44, (int) 9 => (int) 48, (int) 10 => (int) 54, (int) 11 => (int) 55, (int) 12 => (int) 56, (int) 13 => (int) 57, (int) 14 => (int) 52, (int) 15 => (int) 19, (int) 16 => (int) 17 ], (int) 13 => [ (int) 0 => (int) 15, (int) 1 => (int) 32, (int) 2 => (int) 59, (int) 3 => (int) 28, (int) 4 => (int) 36, (int) 5 => (int) 37, (int) 6 => (int) 38, (int) 7 => (int) 41, (int) 8 => (int) 16, (int) 9 => (int) 3, (int) 10 => (int) 29, (int) 11 => (int) 45, (int) 12 => (int) 47, (int) 13 => (int) 20, (int) 14 => (int) 43, (int) 15 => (int) 23, (int) 16 => (int) 24, (int) 17 => (int) 44, (int) 18 => (int) 48, (int) 19 => (int) 54, (int) 20 => (int) 55, (int) 21 => (int) 56, (int) 22 => (int) 57, (int) 23 => (int) 61, (int) 24 => (int) 52, (int) 25 => (int) 49, (int) 26 => (int) 53, (int) 27 => (int) 50, (int) 28 => (int) 60, (int) 29 => (int) 51, (int) 30 => (int) 35, (int) 31 => (int) 19, (int) 32 => (int) 17 ], (int) 15 => [ (int) 0 => (int) 15, (int) 1 => (int) 32, (int) 2 => (int) 59, (int) 3 => (int) 28, (int) 4 => (int) 36, (int) 5 => (int) 37, (int) 6 => (int) 38, (int) 7 => (int) 41, (int) 8 => (int) 16, (int) 9 => (int) 3, (int) 10 => (int) 29, (int) 11 => (int) 45, (int) 12 => (int) 47, (int) 13 => (int) 20, (int) 14 => (int) 43, (int) 15 => 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=> '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [], 'JobDetails' => [ 'Company Name ' => 'Delato Finance Ltd', 'Company Type' => 'Non-FCA', 'Email Address' => 'info@delato-finance.co.uk', 'Contact Tel No' => '01604389127', 'Website' => 'www.delato-finance.co.uk', 'What products do you advise on?' => 'Mortgages, Commercial', 'Mortgage & Loan' => 'Bridging Loans, Buy to Let, Development Loans', 'Commercial' => 'Bridging Loans, Commercial Finance, Development Loans', 'Headline Description' => 'We specialize in commercial mortgages, property development finance, and bridging loans as well as buy to let mortgages. Our team is dedicated to offering personalized financial solutions, ensuring you achieve your property goals efficiently and effectively.', 'Your Profile' => ' Your Gateway to Property Finance Unlocking Opportunities with Tailored Financial Solutions ', 'Charges' => 'Initial fee free consultation', 'Details' => 'If your enquiry results in a mortgage / loan agreement in principle or the submission of a full mortgage / loan application , there will be an arrangement fee of £250 payable. There is a completion fee of 0.75% of the mortgage loan payable on successful completion of the loan / mortgage.', 'Our Advice Methods' => 'Face 2 Face, Telephone Appointments, Video Conferencing', 'Minimum Wealth' => 'No minimum', 'Languages you can advise in' => 'English' ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ '*' => true, 'id' => false ], '[dirty]' => [ 'JobDetails' => true, 'ParentJob' => true, 'SaveJobCount' => true ], '[original]' => [], '[virtual]' => [], '[hasErrors]' => false, '[errors]' => [], '[invalid]' => [], '[repository]' => 'Jobs' } $job_id = (int) 103 $package_id = (int) 13 $job_detal_url = '/adviser/delato-finance-ltd' $advis_arr = [ (int) 0 => '539', (int) 1 => '540' ] $i = (int) 2 $kv = (int) 2include - APP/Template/Cell/Front/Header/blog_latest_advisors.ctp, line 139 Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413 Cake\View\View::_render() - CORE/src/View/View.php, line 1374 Cake\View\View::render() - CORE/src/View/View.php, line 880 Cake\View\Cell::Cake\View\{closure}() - CORE/src/View/Cell.php, line 205 Cake\View\Cell::render() - CORE/src/View/Cell.php, line 215 Cake\View\Cell::__toString() - CORE/src/View/Cell.php, line 260 include - APP/Template/Blogs/detail.ctp, line 538 Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413 Cake\View\View::_render() - CORE/src/View/View.php, line 1374 Cake\View\View::render() - CORE/src/View/View.php, line 880 Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791 Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126 Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94 Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235 Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65 Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
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Now bringing up our own families in the area, we wanted to focus our mission around helping other families in Plymouth and surrounding areas achieve their dreams and ensure they’re protected.</p> <p style="text-align: center;">When we say we are an independent broker, we truly are. We work with the whole of market, meaning we can access lenders that aren’t on the High Street, that may be online or specialists that you wouldn’t have thought of. Unlike other brokers or your bank we can be completely unbiased about your mortgage and protection needs.</p> <p style="text-align: center;">As locals ourselves, we are heavily involved with local goings on. Nathan is a big rugby fan, and can be found playing for his local team. Charlie is a trampoline champion who loves to cook. Mark on the other hand can be found at the beach surfing away his spare time!</p> <p style="text-align: center;">Even if you aren’t local to the Plymouth area, you can still be part of the Mewstone family. 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We want to bring everyone together in the Mewstone Family, to create that community vibe. </p> <p style="text-align:center"><img alt="mewstone mortgage adviser" src="/webroot/img/userfiles/user_160/logo-transparent-black.png" width="400" /></p> <p class="ParaPink" style="text-align: center;">Mewstone Mortgage Advice LTD (FCA ref 947355) is an appointed representative of New Leaf Distribution LTD (FCA ref 460421) which is authorised and regulated by the financial conduct authority (FCA).</p> <hr /><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal><quillbot-extension-portal></quillbot-extension-portal>', 'company_logo' => '20230221_COMLOGO_1676984705.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 1 => object(App\Model\Entity\Job) { 'id' => (int) 65, 'candidate_id' => (int) 168, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 2, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 2, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'UK Lending ', 'slug' => 'uk-lending', 'description' => '<p style="text-align:center"><img alt="UK lending 6" src="/webroot/img/userfiles/user_168/Uklending5.PNG" width="332" /></p> <p style="text-align: center;"><strong>We help first time buyers to professional landlords with mortgages and refinancing.</strong></p> <p style="text-align: center;"><strong>UK Lending provides holistic solutions that vary from each type of client.</strong></p> <p style="text-align: center;"><strong>Our typical client is someone who is self employed or had adverse credit in the background. These type of clients do not fit high street orders and need specialist advice which I can provide.</strong></p> <h5 class="h5Pink" style="text-align: center;"><strong>When your bank or building society says ‘No’ to your application because you don’t fit the mould, we aim to get the ‘Yes’ you’re looking for.</strong></h5> <h5 class="h5Pink" style="text-align: center;"><strong>UK Lending helps you apply for complex mortgages and property-secured loans, from specialist lenders who may well look on your application more favourably than middle-of-the-road high street lenders.</strong></h5> <p style="text-align: center;"><strong>YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE</strong></p> <hr /> <p style="text-align:center"><img alt="Uk Lending" src="/webroot/img/userfiles/user_168/Capture.PNG" width="1215" /></p> <p><img alt="Uklending buy to let" height="287" src="/webroot/img/userfiles/user_168/captir2.PNG" style="float:left" width="500" /></p> <p><img alt="Uk lending 3" height="320" src="/webroot/img/userfiles/user_168/Capture3.PNG" style="float:right" width="500" /></p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> <p style="text-align: center;"> </p> ', 'company_logo' => '20230330_COMLOGO_1680179241.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 2 => object(App\Model\Entity\Job) { 'id' => (int) 68, 'candidate_id' => (int) 170, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 4, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 4, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Ben Davies - City Finance Brokers', 'slug' => 'ben-davies-city-finance-brokers', 'description' => '<h5 class="h5Green">Impartial and independent advice on your bridging finance requirements:</h5> <ul> <li> <h5 class="h5Green">Property Finance</h5> </li> <li> <h5 class="h5Green">Property Development</h5> </li> <li> <h5 class="h5Green">Property Investment Finance</h5> </li> </ul> <h5 class="h5Pink">ben.davies@cfbrokers.co.uk</h5> <h5 class="h5Pink">07376 972 391</h5> ', 'company_logo' => '20230630_COMLOGO_1688118133.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 3 => object(App\Model\Entity\Job) { 'id' => (int) 69, 'candidate_id' => (int) 173, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 4, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 4, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Active Financial', 'slug' => 'active-financial', 'description' => '<h2 class="h2Green">The Self Employed Finance Specialists</h2> <p>At Active, we exist to help business owners, entrepreneurs and company directors to secure mortgages and protection quickly, easily and without distracting you from your business and your family. <img alt="Active Financial" src="/webroot/img/userfiles/user_173/Untitled%20design%20(20).png" style="float:right" width="200" /></p> <h2 class="h2Green">What can Active Financial do for you?</h2> <p>Go to most mortgage brokers and lenders and you’ll find that getting a mortgage as a self-employed business owner is tough.</p> <p>You’ve probably already realised that.</p> <p>The truth is that the world of mortgages isn’t set up for people who run their businesses, which can make getting a mortgage for people like you harder.</p> <p>But we can help you make it happen.</p> <p>Because we specialise in this exact area, we know what other brokers don’t.</p> <h2>How Do Active help you?</h2> <p>Over the years we’ve worked with business owners, we’ve built a strategic process that gives you the best chance of getting the finance that suits you and your families circumstances.</p> <p>We call it the ACTIVE framework, and it works, time and time again.</p> <p>No matter what type of finance you’re looking for, the framework serves to secure the best deal for you, as quickly and efficiently as possible.</p> <p>We know what buttons to press, what products to apply for and exactly how you need to get your ducks in a row in order to achieve the finance you need for the home you want.</p> <p>Whether you’re looking for your first home, your forever home, to invest in property, or protect your business or family, we can help, by putting you on the right track towards acceptance, and dealing with the entire process, so you can focus on doing what you do best.</p> <p>When you work with Active, we reduce your stress and save you time.</p> <p>No longer do you have to ring around to try and find lenders who might service you, or spend hours on the phone to brokers.</p> <h2>Why are Active Financial so good at helping people like you?</h2> <p>Because we <strong>ARE</strong> people like you. Here’s our founder Gary’s story:</p> <blockquote> <p class="Quotation14Green">I qualified to provide mortgage advice in 2002, launching Active Mortgage in 2008. But it wasn’t until in 2015, we realised firsthand how hard it is to get a mortgage when you’re self-employed. My wife Ayesha was a sole trader at the time, and I was running Active, and we wanted to buy our own home. Which – as you’ll know – is easier said than done. We really struggled to find a mortgage, and when we did get one, it didn’t really add maximum value, nor did it give us a competitive interest rate. At that point it became my mission to ensure that business owners, company directors, people like me and you – people who risk it all to create something greater and better – are able to secure the perfect mortgage without the stress and worry that I went through.</p> </blockquote> <h2>What’s the next step?</h2> <p>The first step to securing any form of finance is a strategy call, where we can help define your financial goals and understand your circumstances.</p> <p>The outcome is always positive, if we can’t help you with finance now, we’ll help you prepare to maximise your chances in the future.</p> <p>In the mortgage world, failing to prepare is preparing to fail, which is why we recommend that you get in touch with us as soon as possible, even if you’re 1-2 years out from applying for your mortgage.</p> <p>The sooner you get in touch, the higher our chances of being able to help you.</p> ', 'company_logo' => '20230704_COMLOGO_1688476289.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 4 => object(App\Model\Entity\Job) { 'id' => (int) 76, 'candidate_id' => (int) 190, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Capital 8 Finance', 'slug' => 'capital-8-finance', 'description' => '<p>At Capital 8 Finance we pride ourselves on offering the most appropriate and cost-effective form of finance to meet our clients demands and requirements. Whether our client is a new start-up business, borrowing funds to expand or a property investor adding to an existing portfolio or simply someone looking to buy their first home, we treat all of our customers with the utmost respect and professionalism.</p> <p>We do not charge upfront fees for our initial consultation and advice as this is given freely on a no obligation basis.</p> <p>We understand and appreciate that each business is different and every client shall have their own unique situation and circumstances. So, whether out clients require finance to purchase and develop property, start-up a new venture, bridging finance to fund a short-term shortfall, additional funding to grow their business, asset and vehicle finance or even a mortgage, we will deliver a comprehensive suite of products and solutions to meet our clients’ needs.</p> <p>Capital 8 Finance are an independent specialist consultancy providing commercial and business finance support to SME clients throughout the entire UK. Whether your business is well established or a new start we can support you with:</p> <ul> <li>Asset Finance</li> <li>Business Loans</li> <li>Commercial Mortgages</li> <li>Invoice Finance</li> <li>Stock and Trade Finance</li> <li>Revolving Credit Facilities</li> <li>Merchant Cash Advance</li> </ul> <p>As a specialist broker, we also support property developers by sourcing finance for their developments and projects and assist landlords grow their property portfolios with:</p> <ul> <li>Buy-to-let Mortgages</li> <li>Specialist Mortgages</li> <li>Bridging Finance</li> <li>Property Development & Refurbishment Finance</li> <li>Mezzanine Finance</li> <li>Joint Venture (JV) Finance</li> </ul> <p>But that’s not all, we also can help with your mortgage needs. We can help arrange mortgages for:</p> <ul> <li>First Time Buyers</li> <li>People Moving Home</li> <li>Re-Mortgaging</li> <li>Regulated Bridging Finance</li> </ul> <p>At Capital 8 Finance we are genuinely independent, wholly impartial and we will offer straightforward honest advice, given freely and without obligation. Through our established lender partner network, we give you immediate access to over 300 UK based lenders and private banks. All our lending partners have funds available to lend and are genuinely still keen to support the right proposition and provide a genuine and viable alternative to the High Street lenders.</p> <p>When your own bank has failed to offer the support, you need to call us. We will quickly assess all the available options for you, and we will do everything possible to find a workable and affordable business solution.</p> <p>Time and again we prove to our clients that we can secure funding where others fail and, in most cases, our advice will save you very significant amounts of money over the course of the loan. The majority of specialist lenders in the current marketplace will only accept qualified and packaged mortgage and loan proposals from specialist brokers such as ourselves.</p> ', 'company_logo' => '20230915_COMLOGO_1694789097.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 5 => object(App\Model\Entity\Job) { 'id' => (int) 77, 'candidate_id' => (int) 196, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Your Property Financial Ltd', 'slug' => 'your-property-financial-ltd', 'description' => '<p>At Your Property Financial we want to help save you money, time and stress with your mortgage, insurance & property finance needs.</p> <p>✅ Access to over 70 lenders- Comprehensive range of options!<br /> ✅ Mortgage advice on thousands of mortgage rates- Access to the rates!<br /> ✅ Exclusive rates- not available on the high street special deals!<br /> ✅ Lender relationships- situation not straightforward? We can help!<br /> ✅ Typically achieving a mortgage offer in just 10-15 working days- Speed!<br /> ✅ Remember we work for you not the banks- so we're on your side the whole time!</p> <p>Our team has over 15 years experience advising and arranging on mortgages and protection for our clients. From helping first time buyers navigate through the complexity of the house buying process, to home movers upscaling to a bigger home, to landlords growing their portfolio in the buy to let market to advising on your options when your current rate is up for renewal; Your Property Financial is here to help you with all your financing needs.</p> <p>Take some time enjoying our <a href="https://www.youtube.com/@yourpropertyfinancial">Youtube tutorials</a> to help guide you through your property buying journey</p> <hr /> <div class="youtube-embed-wrapper" style="position:relative;padding-bottom:56.25%;padding-top:30px;height:0;overflow:hidden"><iframe allowfullscreen="" frameborder="0" height="360" src="https://www.youtube.com/embed/arRG1G_vSK0" style="position:absolute;top:0;left:0;width:100%;height:100%" width="640"></iframe></div> <p> </p> <hr /> <div class="youtube-embed-wrapper" style="position:relative;padding-bottom:56.25%;padding-top:30px;height:0;overflow:hidden"><iframe allowfullscreen="" frameborder="0" height="360" src="https://www.youtube.com/embed/gtmovFUd_lI?rel=0" style="position:absolute;top:0;left:0;width:100%;height:100%" width="640"></iframe></div> <p> </p> <hr /> <div class="youtube-embed-wrapper" style="position:relative;padding-bottom:56.25%;padding-top:30px;height:0;overflow:hidden"><iframe allowfullscreen="" frameborder="0" height="360" src="https://www.youtube.com/embed/rrp4fo-8IEg?rel=0" style="position:absolute;top:0;left:0;width:100%;height:100%" width="640"></iframe></div> <p> </p> ', 'company_logo' => '20230916_COMLOGO_1694819054.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [[maximum depth reached]], 'JobDetails' => [ [maximum depth reached] ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [ [maximum depth reached] ], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Jobs' }, (int) 6 => object(App\Model\Entity\Job) { 'id' => (int) 90, 'candidate_id' => (int) 242, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 5, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 5, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Paul Seed @ 1st Call 4 Mortgages UK Ltd', 'slug' => 'paul-seed-1st-call-4-mortgages-uk-ltd', 'description' => '<p>We aim to make our services as accessible as possible. 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Our team is dedicated to offering personalized financial solutions, ensuring you achieve your property goals efficiently and effectively.', (int) 49 => '677', (int) 53 => 'If your enquiry results in a mortgage / loan agreement in principle or the submission of a full mortgage / loan application , there will be an arrangement fee of £250 payable. There is a completion fee of 0.75% of the mortgage loan payable on successful completion of the loan / mortgage.', (int) 50 => '545,546,547', (int) 60 => '640', (int) 51 => '596', (int) 35 => '8' ] ] $pcf_values_all = [ (int) 538 => 'Later life', (int) 539 => 'Mortgages', (int) 540 => 'Commercial', (int) 541 => 'Insurance', (int) 542 => 'Initial or Ongoing Consultation Fees', (int) 543 => 'Free Consultations', (int) 555 => 'Inheritance Tax Planning', (int) 556 => 'Buy to Let', (int) 557 => 'Business Protection', (int) 558 => 'Care Plans', (int) 560 => 'International Wealth Management', (int) 561 => 'Retirement Planning', (int) 562 => 'Protection', (int) 563 => 'Investment Planning', (int) 564 => 'Trusts', (int) 565 => 'Will Writing', (int) 566 => 'Wealth Management', (int) 567 => 'Bridging Loans', (int) 568 => 'Commercial Finance', (int) 569 => 'Development Loans', (int) 570 => 'Equity Release', (int) 571 => 'First Time buyer', (int) 572 => 'High Net-Worth Mortgages', (int) 573 => 'Home Mover Mortgages', (int) 574 => 'New Build Home Mortgages', (int) 575 => 'Remortgage', (int) 576 => 'Second Charge Loans', (int) 577 => 'Self-employed mortgages', (int) 578 => 'Business Whole of Life', (int) 579 => 'Critical Illness cover', (int) 580 => 'Health Insurance', (int) 581 => 'Home insurance', (int) 582 => 'Income Protection', (int) 583 => 'Key man Insurance', (int) 584 => 'Landlord Insurance', (int) 585 => 'Shareholder protection insurance', (int) 586 => 'Whole of Life Insurance', (int) 587 => 'Estate Planning', (int) 588 => 'Power of Attorney', (int) 589 => 'Probate Services', (int) 590 => 'Trusts', (int) 591 => 'Will Writers', (int) 630 => 'Financial', (int) 641 => 'Life Insurance', (int) 642 => 'Pension Transfers', (int) 643 => 'No obligation consultation', (int) 677 => 'Initial fee free consultation', (int) 681 => 'Mortgage Capacity Reports' ] $towns_list = [ (int) 0 => object(App\Model\Entity\Town) { 'id' => (int) 3832, 'name' => 'Bishop's Stortford', 'slug' => 'bishops-stortford-hertfordshire-548846', 'county' => 'Hertfordshire', 'county_slug' => 'hertfordshire-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TL488213', 'easting' => (int) 548846, 'northing' => (int) 221323, 'latitude' => (float) 51.87063, 'longitude' => (float) 0.16059, 'elevation' => (int) 63, 'postcode_sector' => 'CM23 3', 'local_government_area' => 'East Hertfordshire District', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 1 => object(App\Model\Entity\Town) { 'id' => (int) 7428, 'name' => 'Canary Wharf', 'slug' => 'canary-wharf-greater-london-537637', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ376801', 'easting' => (int) 537637, 'northing' => (int) 180159, 'latitude' => (float) 51.50361, 'longitude' => (float) -0.01833, 'elevation' => (int) 39, 'postcode_sector' => 'E14 5', 'local_government_area' => 'Tower Hamlets', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 2 => object(App\Model\Entity\Town) { 'id' => (int) 8178, 'name' => 'Chaddlewood', 'slug' => 'chaddlewood-devon-255440', 'county' => 'Devon', 'county_slug' => 'devon-south-west', 'nuts_region' => 'South West', 'nuts_region_slug' => 'south-west-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'SX554562', 'easting' => (int) 255440, 'northing' => (int) 56231, 'latitude' => (float) 50.38815, 'longitude' => (float) -4.0349, 'elevation' => (int) 65, 'postcode_sector' => 'PL7 2', 'local_government_area' => 'City of Plymouth', 'type' => 'Suburban Area', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 3 => object(App\Model\Entity\Town) { 'id' => (int) 8531, 'name' => 'Chelmsford', 'slug' => 'chelmsford-essex-570897', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TL708071', 'easting' => (int) 570897, 'northing' => (int) 207155, 'latitude' => (float) 51.73705, 'longitude' => (float) 0.47361, 'elevation' => (int) 29, 'postcode_sector' => 'CM1 1', 'local_government_area' => 'Chelmsford District', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 4 => object(App\Model\Entity\Town) { 'id' => (int) 10355, 'name' => 'Corringham', 'slug' => 'corringham-essex-569985', 'county' => 'Essex', 'county_slug' => 'essex-eastern', 'nuts_region' => 'Eastern', 'nuts_region_slug' => 'eastern-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ699835', 'easting' => (int) 569985, 'northing' => (int) 183562, 'latitude' => (float) 51.52539, 'longitude' => (float) 0.44897, 'elevation' => (int) 24, 'postcode_sector' => 'SS17 7', 'local_government_area' => 'Thurrock', 'type' => 'Town', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 5 => object(App\Model\Entity\Town) { 'id' => (int) 13073, 'name' => 'Dundee', 'slug' => 'dundee-city-of-dundee-340093', 'county' => 'City of Dundee', 'county_slug' => 'city-of-dundee-scotland', 'nuts_region' => 'Scotland', 'nuts_region_slug' => 'scotland-scotland', 'country' => 'Scotland', 'country_slug' => 'scotland', 'grid_reference' => 'NO400300', 'easting' => (int) 340093, 'northing' => (int) 730009, 'latitude' => (float) 56.45841, 'longitude' => (float) -2.97367, 'elevation' => (int) 16, 'postcode_sector' => 'DD1 4', 'local_government_area' => 'Dundee City', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' }, (int) 6 => object(App\Model\Entity\Town) { 'id' => (int) 26025, 'name' => 'London', 'slug' => 'london-greater-london-532473', 'county' => 'Greater London', 'county_slug' => 'greater-london-london', 'nuts_region' => 'London', 'nuts_region_slug' => 'london-england', 'country' => 'England', 'country_slug' => 'england', 'grid_reference' => 'TQ324812', 'easting' => (int) 532473, 'northing' => (int) 181219, 'latitude' => (float) 51.51437, 'longitude' => (float) -0.09229, 'elevation' => (int) 31, 'postcode_sector' => 'EC2V 8', 'local_government_area' => 'City of London', 'type' => 'City', '[new]' => false, '[accessible]' => [ [maximum depth reached] ], '[dirty]' => [[maximum depth reached]], '[original]' => [[maximum depth reached]], '[virtual]' => [[maximum depth reached]], '[hasErrors]' => false, '[errors]' => [[maximum depth reached]], '[invalid]' => [[maximum depth reached]], '[repository]' => 'Towns' } ] $custom_field_list = [ (int) 39 => 'Adviser Information', (int) 1 => 'Company Name ', (int) 15 => 'Company Type', (int) 28 => 'Company Registration No', (int) 36 => 'Street (Registered Address) ', (int) 37 => 'Registered Town / City', (int) 38 => 'Registered Post Code', (int) 41 => 'Same As Above - CF ', (int) 16 => 'Street (Trading Address)', (int) 3 => 'City / Town', (int) 29 => 'Post Code', (int) 58 => 'The Financial Services Register', (int) 45 => 'FCA Reg No', (int) 47 => 'Exempt Professional Firm', (int) 18 => 'Contact Details', (int) 19 => 'Email Address', (int) 17 => 'Contact Tel No', (int) 20 => 'Website', (int) 43 => 'Facebook', (int) 23 => 'LinkedIn', (int) 24 => 'Instagram', (int) 44 => 'Twitter', (int) 40 => 'Profile', (int) 26 => 'Logo', (int) 48 => 'What products do you advise on?', (int) 54 => 'Financial', (int) 55 => 'Mortgage & Loan', (int) 56 => 'Insurance', (int) 57 => 'Later life', (int) 61 => 'Commercial', (int) 52 => 'Headline Description', (int) 2 => 'Your Profile', (int) 32 => 'Tags', (int) 49 => 'Charges', (int) 53 => 'Details', (int) 50 => 'Our Advice Methods', (int) 51 => 'Minimum Wealth', (int) 35 => 'Languages you can advise in' ] $arrPackageCF = [ (int) 14 => [ (int) 0 => (int) 15, (int) 1 => (int) 32, (int) 2 => (int) 28, (int) 3 => (int) 45, (int) 4 => (int) 47, (int) 5 => (int) 43, (int) 6 => (int) 23, (int) 7 => (int) 24, (int) 8 => (int) 44, (int) 9 => (int) 48, (int) 10 => (int) 54, (int) 11 => (int) 55, (int) 12 => (int) 56, (int) 13 => (int) 57, (int) 14 => (int) 52, (int) 15 => (int) 19, (int) 16 => (int) 17 ], (int) 13 => [ (int) 0 => (int) 15, (int) 1 => (int) 32, (int) 2 => (int) 59, (int) 3 => (int) 28, (int) 4 => (int) 36, (int) 5 => (int) 37, (int) 6 => (int) 38, (int) 7 => (int) 41, (int) 8 => (int) 16, (int) 9 => (int) 3, (int) 10 => (int) 29, (int) 11 => (int) 45, (int) 12 => (int) 47, (int) 13 => (int) 20, (int) 14 => (int) 43, (int) 15 => (int) 23, (int) 16 => (int) 24, (int) 17 => (int) 44, (int) 18 => (int) 48, (int) 19 => (int) 54, (int) 20 => (int) 55, (int) 21 => (int) 56, (int) 22 => (int) 57, (int) 23 => (int) 61, (int) 24 => (int) 52, (int) 25 => (int) 49, (int) 26 => (int) 53, (int) 27 => (int) 50, (int) 28 => (int) 60, (int) 29 => (int) 51, (int) 30 => (int) 35, (int) 31 => (int) 19, (int) 32 => (int) 17 ], (int) 15 => [ (int) 0 => (int) 15, (int) 1 => (int) 32, (int) 2 => (int) 59, (int) 3 => (int) 28, (int) 4 => (int) 36, (int) 5 => (int) 37, (int) 6 => (int) 38, (int) 7 => (int) 41, (int) 8 => (int) 16, (int) 9 => (int) 3, (int) 10 => (int) 29, (int) 11 => (int) 45, (int) 12 => (int) 47, (int) 13 => (int) 20, (int) 14 => (int) 43, (int) 15 => (int) 23, (int) 16 => (int) 24, (int) 17 => (int) 44, (int) 18 => (int) 48, (int) 19 => (int) 54, (int) 20 => (int) 55, (int) 21 => (int) 56, (int) 22 => (int) 57, (int) 23 => (int) 61, (int) 24 => (int) 52, (int) 25 => (int) 49, (int) 26 => (int) 53, (int) 27 => (int) 50, (int) 28 => (int) 60, (int) 29 => (int) 51, (int) 30 => (int) 35, (int) 31 => (int) 19, (int) 32 => (int) 17 ] ] $candidate_id = (int) 0 $session = object(Cake\Http\Session) { [protected] _engine => null [protected] _started => null [protected] _lifetime => (int) 3600 [protected] _isCLI => false } $loggedIn = 'No' $_job = object(App\Model\Entity\Job) { 'id' => (int) 103, 'candidate_id' => (int) 274, 'package_id' => (int) 13, 'admin_id' => (int) 0, 'parent_id' => null, 'blog_count' => (int) 0, 'review_count' => (int) 0, 'testimonial_count' => (int) 0, 'all_blog_count' => (int) 0, 'all_review_count' => (int) 0, 'all_testimonial_count' => (int) 0, 'admin_name' => '', 'subscription_id' => '', 'upgrade_pack_id' => (int) 0, 'upgrade_pack_interval' => 'monthly', 'upgrade_type' => null, 'upgrade_status' => 'created', 'title' => 'Delato Finance Ltd', 'slug' => 'delato-finance-ltd', 'description' => '<h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true"> </h1> <h1 data-custom-font="" data-is-italic-supported="" data-line-height="" data-old-bold="true">Your Gateway to Property Finance</h1> <p> </p> <h2 data-custom-font="" data-is-italic-supported="" data-line-height="">Unlocking Opportunities with Tailored Financial Solutions</h2> ', 'company_logo' => '20241114_COMLOGO_1731575915.png', 'online_business' => 'No', 'expire_date' => null, 'show_consultant_on_job_detail' => 'No', 'consultant_id' => (int) 0, 'consultant_name' => false, 'consultant_designation' => false, 'consultant_email' => false, 'consultant_mobile' => false, 'consultant_profile_picture' => false, 'cover_letter' => 'No', 'registered_candidates' => false, 'quick_application' => false, 'application_emails' => '', 'show_digi_business_type' => 'No', 'show_digi_comp_reg_no' => 'No', 'show_digi_reg_address' => 'No', 'show_digi_reg_location' => 'No', 'show_digi_reg_postcode' => 'No', 'show_digi_trading_address' => 'No', 'show_digi_location' => 'No', 'show_digi_trading_postcode' => 'No', 'show_digi_email_address' => 'No', 'show_digi_contact_no' => 'No', 'show_digi_website' => 'No', 'show_digi_facebook' => 'No', 'show_digi_linkedin' => 'No', 'show_digi_instagram' => 'No', 'show_digi_twitter' => 'No', 'pa_verified' => 'Yes', 'meta_title' => '', 'meta_keywords' => '', 'meta_description' => '', 'platform' => 'general', 'is_pause' => 'No', 'is_suspend' => 'No', 'request_to_archive' => 'No', 'status' => 'Live', 'archive_date' => null, 'added_by' => '', 'updated_by' => '', 'no_of_views' => (int) 0, 'created' => object(Cake\I18n\FrozenTime) {}, 'modified' => object(Cake\I18n\FrozenTime) {}, 'Packages' => object(App\Model\Entity\Package) {}, 'JobReviews' => [], 'JobDetails' => [ 'Company Name ' => 'Delato Finance Ltd', 'Company Type' => 'Non-FCA', 'Email Address' => 'info@delato-finance.co.uk', 'Contact Tel No' => '01604389127', 'Website' => 'www.delato-finance.co.uk', 'What products do you advise on?' => 'Mortgages, Commercial', 'Mortgage & Loan' => 'Bridging Loans, Buy to Let, Development Loans', 'Commercial' => 'Bridging Loans, Commercial Finance, Development Loans', 'Headline Description' => 'We specialize in commercial mortgages, property development finance, and bridging loans as well as buy to let mortgages. Our team is dedicated to offering personalized financial solutions, ensuring you achieve your property goals efficiently and effectively.', 'Your Profile' => ' Your Gateway to Property Finance Unlocking Opportunities with Tailored Financial Solutions ', 'Charges' => 'Initial fee free consultation', 'Details' => 'If your enquiry results in a mortgage / loan agreement in principle or the submission of a full mortgage / loan application , there will be an arrangement fee of £250 payable. There is a completion fee of 0.75% of the mortgage loan payable on successful completion of the loan / mortgage.', 'Our Advice Methods' => 'Face 2 Face, Telephone Appointments, Video Conferencing', 'Minimum Wealth' => 'No minimum', 'Languages you can advise in' => 'English' ], 'ParentJob' => null, 'SaveJobCount' => (int) 0, '[new]' => false, '[accessible]' => [ '*' => true, 'id' => false ], '[dirty]' => [ 'JobDetails' => true, 'ParentJob' => true, 'SaveJobCount' => true ], '[original]' => [], '[virtual]' => [], '[hasErrors]' => false, '[errors]' => [], '[invalid]' => [], '[repository]' => 'Jobs' } $job_id = (int) 103 $package_id = (int) 13 $job_detal_url = '/adviser/delato-finance-ltd' $advis_arr = [ (int) 0 => '539', (int) 1 => '540' ] $i = (int) 2 $kv = (int) 2include - APP/Template/Cell/Front/Header/blog_latest_advisors.ctp, line 139 Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413 Cake\View\View::_render() - CORE/src/View/View.php, line 1374 Cake\View\View::render() - CORE/src/View/View.php, line 880 Cake\View\Cell::Cake\View\{closure}() - CORE/src/View/Cell.php, line 205 Cake\View\Cell::render() - CORE/src/View/Cell.php, line 215 Cake\View\Cell::__toString() - CORE/src/View/Cell.php, line 260 include - APP/Template/Blogs/detail.ctp, line 538 Cake\View\View::_evaluate() - CORE/src/View/View.php, line 1413 Cake\View\View::_render() - CORE/src/View/View.php, line 1374 Cake\View\View::render() - CORE/src/View/View.php, line 880 Cake\Controller\Controller::render() - CORE/src/Controller/Controller.php, line 791 Cake\Http\ActionDispatcher::_invoke() - CORE/src/Http/ActionDispatcher.php, line 126 Cake\Http\ActionDispatcher::dispatch() - CORE/src/Http/ActionDispatcher.php, line 94 Cake\Http\BaseApplication::__invoke() - CORE/src/Http/BaseApplication.php, line 235 Cake\Http\Runner::__invoke() - CORE/src/Http/Runner.php, line 65 Cake\Routing\Middleware\RoutingMiddleware::__invoke() - CORE/src/Routing/Middleware/RoutingMiddleware.php, line 162
SUNNY IN-MAIL
Initial fee free consultation
Our website offers information about financial products such as investing, savings, equity release, mortgages, and insurance. None of the information on Sunny Avenue constitutes personal advice. Sunny Avenue does not offer any of these services directly and we only act as a directory service to connect you to the experts. If you require further information to proceed you will need to request advice, for example from the financial advisers listed. If you decide to invest, read the important investment notes provided first, decide how to proceed on your own basis, and remember that investments can go up and down in value, so you could get back less than you put in.
Think carefully before securing debts against your home. A mortgage is a loan secured on your home, which you could lose if you do not keep up your mortgage payments. Check that any mortgage will meet your needs if you want to move or sell your home or you want your family to inherit it. If you are in any doubt, seek independent advice.
We are an information-only website and aim to provide the most up-to-date information as possible. We cannot accept liability if things go wrong. Please email us at hello@sunnyavenue.co.uk if you see anything that needs updating and we will do so ASAP.
The information on the site is not tailored advice to each individual reader, and as such does not constitute financial advice. All the advisers we work with are fully qualified to provide advice in their areas and we only list firms that are authorised and regulated by the Financial Conduct Authority otherwise it is clearly stated that we are unable to verify their FCA status.
Sunny Avenue is not regulated by the FCA as we do not provide any financial services or advice. We act as a directory service for financial professionals.
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mark@mewstonefinancial.co.uk
01752938993
