VJ Financial solutions, Mortgage Adviser, London, Professionals UK

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VJ Financial solutions

Mortgage Adviser, Invoice Finance Provider, Commercial Finance Broker

London

+13 more

Birmingham
Cheshire
Chester
South East England, England
East Midlands Of England, England
South West England, England
Bedfordshire And Hertfordshire, East Of England
Essex, East Of England
Milton Keynes, Berkshire, Buckinghamshire And Oxfordshire
Leicestershire, Rutland And Northamptonshire, East Midlands Of England
Flintshire And Wrexham, East Wales
West Midlands, England
West Midlands Of England, England

Testimonials (1)

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I would highly recommend this company, brilliant professional service to meet your needs, very well explained helpful guidance through the process, I have...

- Ghulam , March 2021

Commercial Property Mortgage Mr Shepherd approached us to secure a Commercial Mortgage on a warehouse facility he had previously been renting for his parcel delivery business. The freeholder was looking to retire out to Portugal and gave our client first option to purchase subject to confirmation of funding within 2 weeks and completion within 6 weeks. Given the brief we completed our executive case summary the same day and had an agreement in principle within 24 hours for a 70% advance of £400K tracking at 3.75% over bank base rate with a 1.5% lenders fee. Within three days the commercial valuation was organised and completed with a satisfactory report to hand within the week. Solicitors were instructed in week 2 with all searches and due diligence completed by week 4. Funds drawn and the purchase completed in week 5 ahead of schedule

Buy To Let Portfolio Re-Finance Mr and Mrs Gray have built up a trading business and portfolio of 48 residential investment properties in the Greater London area. Mortgages on the properties were provided via 11 mortgage providers and the portfolio geared up to an average 58 % LTV against. Average yield across the portfolio was 7%. The clients wished to leverage further equity from the portfolio to carry out some major repairs / upgrades to 15 of the units and also to give them a pre-purchase facility to acquire further units at significant discounts. A project of this nature needing a significant amount of research and background information was assigned to our Investment Mortgage partner who initially commenced an audit of all mortgage redemptions on the existing finance arrangements alongside an updated valuation audit negotiated on special terms with a major panel valuer. Developing and presenting the executive business plan to 3 major institutions we negotiated a complete progressive re-finance on commercial terms at 3.5% over bank base rate. This was enhanced by a rolling £950K forward purchase ‘cheque book’ facility to allow the clients to take advantage of future purchase opportunities. The clients overall savings on rates added a further £67,000 annually to the bottom line of the business.

Expertise

Invoice Finance
Asset Finance
Buy To Let
Commercial mortgages
business loan
International Investments
bridging finance
Development Loans
commercial mortgage broker
HMO mortgage
Specialist
Mortgage

Summary

VJ Financial Solutions are an Independent Specialist Consultancy, we provide Commercial and Business Finance support to SME clients throughout the whole of the UK. Whether your business is well established or a new start we can help you with Commercial Mortgages, Property Development Finance, Business Loans, Short Term ‘Bridging’ Finance, Factoring, Equipment Leasing and advice on Grant Funding and how to secure funds via the Government Enterprise Finance Guarantee Scheme (EFGS).

An Unbeatable Level of Client Service and no up-front fees
We offer all our clients a true ‘one stop shop’ facility, our focus is to provide you a fully managed and professional service to secure the most competitive funding offer available from the entire market. In addition we can, if required, organise any property valuations, insurance and legal support necessary to complete the transaction. We will package and submit the proposal to ensure your funding application is positively sanctioned and approved with funds being made available in the fastest possible time.

Whatever your Commercial Funding requirement we offer you a free, impartial and totally confidential initial consultation and we will quickly assess the funding options available to you. We guarantee there are no ‘up front’ fees to pay until we have secured your Agreement in Principle for the required funding.

Please call us today to see how we can help or submit an enquiry and we will contact you. Our advice is given freely, in confidence and without obligation.

We look forward to being of assistance and securing your Commercial Finance requirements.

some of the services we offer

ASSET FINANCE

FACTORING / INVOICE FINANCE SOLUTIONS

BUYING OR STARTING A NEW BUSINESS

SHORT TERM BRIDGING LOANS

BUY TO LET MORTGAGES

PROPERTY DEVELOPMENT

COMMERCIAL MORTGAGES