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Invoice Finance

Invoice finance leverages the value of unpaid client invoices

What is Invoice Finance?

Invoice finance leverages the value of unpaid client invoices, to provide working capital using two principal routes:

Invoice Factoring – Funds are advanced against unpaid invoices, with the lender taking responsibility for collecting the outstanding debt. Options include using whole or part of a debtor book, and providing bad debt protection.

Invoice Discounting – The borrower retains control of collecting outstanding invoice debts, so that clients are unaware of the lending facility. As with invoice factoring, a variety of options are available, to suit differing circumstances.

Buy-to-Let for Individuals

Whether you are a first time landlord or a seasoned property professional, the Buy-to-Let team at Charleston can advise you on the best available mortgage products currently on the market.

  • Whole market access
  • 85% maximum LTV
  • 5-25 year terms
  • Borrow between £5,000 and £1m
  • No upfront fees
  • Same day in principle lending agreement

Business Buy-to-Lets

Corporate/Company Buy to Lets are typically designed for the purchase of residential property through a limited company (trading) or a special purpose vehicle. With whole of market access and exclusivity with some lenders, Charleston are able to secure corporate buy-to-let products for:

  • Investors
  • Developers
  • Property professionals
  • Company portfolios

How can we Help?

HMO from Gps Financial The benefits for landlords buying HMO properties are that they have great potential to generate very strong rental yields. However, mortgages for houses in multiple occupation have become increasingly difficult to source in the last few years.

Gps Financial has years of experience arranging HMO mortgages, for purchase or remortgage, on the following basis subject to status.

  • Up to 85% loan to value (LTV)
  • Rates from 3.81% above the base interest rate

How to Apply?

Once you have identified the project and roughly worked out viability, costs, end value and profit margin, get in touch on 02922 677 725, or fill out the form in the contact page. It doesn’t matter if you don’t already own the land/property.

We will then ask you lots of questions, (known as a fact find), to get as much information about the development as possible. This will allow us to appraise your project and give you an honest opinion as to whether we can help, i.e. we’ll let you know if there are any lenders who might be willing to provide the necessary finance.

Testimonials From Our Great Customers

"GPS financial have been absolutely invaluable in the growth of my business."

I have found the whole team very professional and knowledgeable. The founder Morgan Stewart has been brilliant and for this reason I continue to recommend to anyone that asks me for a broker.

- Michael Kalisperas

Testimonials From Our Great Customers

"Your work over the past few weeks has been massively appreciated."

 "My old broaker couldn't get me a ortgage. Morgan found solutions to all the hurdles we came across. In a very tight timeframe we managed to complete on two properties before the stamp duty hike. Fantastic, level headed and professional. Thank you."

- Morgan

Contact Us 

How To Find Us

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Opening Times

Mon - Fri 9am to 5pm
Closed Sat and Sun.
Call us for an appointment.

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Morgan Stewart T/A GPS Financial are authorised and regulated by the Financial Conduct Authority for credit broking and mortgage advice (FCA 711306)Your property is at risk of repossession if you do not keep up repayment of any loans secured against it. Email communications are not secure