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Mezzanine Finance

The extra budge for your property needs

What is Mezzanine Finance?

Mezzanine finance is any type of top-up funding used to help fill a gap between a developer’s or investor’s equity, and the amount that a main lender will provide. This is normally secured by having a second charge over the property in question, while the bank or main lender will hold a first charge.

Mezzanine funding allows a developer to obtain maximum return with a minimum cash contribution. Busy developers often require a strong cash flow to ensure a project’s momentum and success, giving the option to invest more quickly in other opportunities, before completion of the current project.

How GPS Financial can 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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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