Asset Finance

With very specialised knowledge and extensive experience in this field, we’ve become one of the leading lending experts. Our tailored, whole-of-market service enables us to accommodate any situation our clients require help with – from straightforward residential mortgages to refinancing a private jet.

Please get in touch if you’d like some expert guidance on the many financing options available to you and your business.

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Residential Mortgages Buy-to-Let Mortgages Back to Back Lending Bespoke Private Finance Bridging Finance Commercial Mortgages Development Finance International Finance Marine & Aviation Finance

Residential Mortgages

We provide an outstanding residential lending service to our clients, sourcing the best rates on the market within the quickest time-frames possible. Our personalised, client-driven approach ensures we take the time to fully understand your needs and can support you through what can sometimes be a stressful process.

One of the benefits of our independent status is that we’re not tied to any specific lenders. Consequently, we have access to the widest possible range of residential mortgages, enabling us to find the most appropriate solution for your specific needs.

Show More We’re committed to making the whole process as simple and straightforward as possible for you – from advising on how much you can borrow to supporting you through the application process. You can rest assured that we’ll take care of every aspect on your behalf, keeping you informed at all times.

Please contact us if you’d like to discuss your residential mortgage requirements with one of our experts. Show Less

Buy-to-Let Mortgages

Property remains a popular investment choice, and dealing with an experienced Buy-to-Let mortgage specialist is fundamental to your planning.

Whether or not you have a specific property in mind, we can advise you from the early stages all the way through the purchase process. Our experienced Financial Advisers can assist with legal matters (such as deed of trust) and arrange all the necessary insurances along the way.

Show More Over recent years, there have been significant changes to the limits and standards applied to Buy-to-Let mortgages. However, as a Fulcrum client, you can relax in the knowledge that our specialists will keep abreast of any developments in this field, and are always on-hand to advise you. Show Less

Back to Back Lending
(also known as a Lombard Loan)

Through our comprehensive market knowledge and trusted partners, we can deliver enhanced and bespoke solutions based on your individual requirements.

For instance, one of the most cost-effective forms of lending is to lend against cash or an investment portfolio. This is beneficial to many of our clients who are cash or asset rich, but have limited income.

Show More Terminating and liquidating a portfolio, or other assets, prematurely may compromise your long-term goals, so lending against these is an alternative solution worth exploring.

As well as providing you with specialist advice on this, we can also engage with your bank, on your behalf, and assist with any boundaries they may have.

Please contact us to discuss the most cost-effective form of lending for your specific needs. Show Less

Bespoke Private Finance

Our broad experience and specialist knowledge enables us to help with a variety of ‘out of the ordinary’ lending requirements.

As always, the first step is for us to understand your situation, your objectives, and your unique requirements. This enables our specialist advisers to tailor a private finance solution to your specific needs. Even if you don’t have a fixed asset or asset class to lend against, we may still be able to help.

We relish the opportunity to help clients with their specific lending requirements, such as the solution we recently put in place for a client wishing to refurbish and lend on a chain of restaurants in London.

Please get in touch to discuss bespoke private finance in more detail.

Bridging Finance

Bridging finance can usually be arranged swiftly, and rates are more competitive now that mainstream banks have become more stringent with this popular form of lending.

A bridging loan could be the short-term funding solution you need to bridge a financial gap between two property-based transactions, including:

Extending a lease on a higher-valued property
Releasing a legal charge from the sale of an estate

Your business could also use a bridging loan in a variety of scenarios, including:

Raising capital for growth
Moving or developing premises
Pursuing another commercial objective
When the expected proceeds from the sale of a business fall after the property completion

We also offer our own bridging finance solutions which are tailored specifically to the needs of certain clients. Funded by a panel of private investors, this option is available by request and subject to Fulcrum’s Directors’ protocol.

Please get in touch to discuss whether this form of finance is an appropriate solution for your needs.

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Commercial Mortgages

Commercial mortgages are a complex form of lending arranged for purchasing property that is mainly for business or commercial use. They require a higher level of expertise to successfully arrange, so it’s important to choose an experienced and knowledgeable adviser.

Our specialists will advise you of the most appropriate solution for you and your business, which will be tailored to your personal circumstances. And you’ll be pleased to hear that we can source some of the best rates available on the market – typically at least 2.5%.

Show More Commercial property can also be purchased through a Self-Invested Personal Pension (SIPP) or a Small Self-Administered Scheme (SSAS). By co-ordinating our team of lending and financial advisers, we can provide you with comprehensive, impartial advice that’s customised to your needs. Show Less

Development Finance

Whether you’re a professional property developer or just enjoy developing as a hobby, securing the funds you need to complete your project may sometimes seem tricky. It’s essential to obtain good advice on this because there are a variety of solutions available to you and, ultimately, you want your return on investment to be maximised.

Our expert advisers can help you benefit from the best rates available, for residential or commercial developments, conversions and refurbishments. Once we’ve discussed and understood your circumstances, we’ll advise you of the most efficient ways to complete your development project.

Show More Options could include Mezzanine Finance: a more complex type of business funding that’s secured as a second charge behind the project’s main lender for the development.

Please get in touch to find out more about the range of property development funding options available to you. Show Less

International Finance

Our international finance service caters for two markets: UK residents buying abroad and non-UK residents buying in the UK. Both require specialist advice to help ensure you make informed and practical decisions.

Our international team is trained to the highest standards of due diligence, and able to offer you the best rates available.

For most UK residents, investing abroad is an unknown quantity. With many countries and economies to choose from, and multi-jurisdictional legal implications to consider, it can very quickly become very complex. So, it’s reassuring to know that our specialist advisers will guide you through the international investment maze; helping you to make sound decisions every step of the way.

Show More The most popular countries to invest in are: Spain, Portugal, Italy, France, Monaco, Switzerland, Dubai, Canada, United States, Hong Kong and Singapore. We have specialist knowledge in each of these markets as well as extensive experience in helping non-UK residents who have chosen to invest in the UK. Show Less

Marine & Aviation Finance

If you’re planning to purchase an aircraft or marine vessel, either for personal or commercial use, there are specific finance facilities available to you.

Please get in touch with our team of marine and aviation experts who will help you find the best solution for your individual circumstances.

Your home may be repossessed if you do not keep up repayments on your mortgage. Some Buy to Let mortgages are not regulated by the FCA.