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Bridging & Development Finance Specialist
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Saint James Finance
Over 20 Years Of Arranging Mortgages and Finance
Saint James Finance started life in the property market and has grown in the intervening 20 years to be a trusted name in commercial finance. We have a clear understanding of the complexities of commercial finance, freeing up time for our clients to grow their businesses and investments.
Because we are an independent organisation, we can offer you a personalised service that is tailored specifically to your needs.
Build Your Dream
Finance Loans Offers
Asset Finance
We offer a range of finance options for high value development schemes to finding the right solution for your cash flow issues
Bridging Finance Loans
A flexible solution to your property purchases, a bridging loan can help to unlock the potential of your investments
Development Finance
We are experienced in dealing with multi-million pound developments, which means we can save you both time and money
Commercial Mortgages
With our free consultation service, you can confidentially discuss your financial aims with an expert
Buy-To-Let
Our Knowledge Of The Mortgage Markets Means We Can Find You The Best Deal
Invoice Finance / Factoring
Expertise To Help Companies In Need Of A Short Term Financing
Get Loans Fast
Premier Financial Service
Saint James Finance offers your business a superior suite of business finance solutions, tailored specifically to your financial goals.
Why Use Saint James Finance Services?
We make it very easy for you to get the right finance you need at some of the best deals around.
- We charge low fees, pay once you receive
- Get it on time as fast as is possible
- We can arrange your finance starting today
- We take care of all the hassle so you dont have to
Mortgage Finance
Buy-to-Let
Our knowledge of the mortgage markets means we can find you the best deal, or arrange a more desirable re-structuring across your entire portfolio.
We Are Specialists In Bridging Loans And Commercial Mortgages
Bridging Finance Loans
Bridging finance, also known as a bridging loan, is a short-term loan designed to provide temporary funding until more permanent financing can be secured or an existing financial obligation is removed. It is commonly used in real estate transactions to bridge the gap between the purchase of a new property and the sale of an existing one. This type of finance can also be used for property development, auction purchases, or urgent business needs where quick access to funds is essential.
Commercial Mortgages
A commercial mortgage is a loan secured by commercial property, such as office buildings, retail spaces, or industrial warehouses. It is used to finance the purchase, development, or refinancing of income-generating commercial real estate. Typically offered by banks and other financial institutions, these loans have varying terms and interest rates based on the borrower's creditworthiness and the property's value. Repayment periods for commercial mortgages can range from a few years to several decades.
Our Most Popular
Finance Products
Bridging Finance Loans
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Invoice Finance / Factoring
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Commercial Mortages Loans
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Buy-To-Let Mortgage Loans
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Whar Our Happy Clients Say
Testimonials
Bridging Loan
Alice Howard
"I recently applied for a bridging loan from Saint James Finance and the experience exceeded my expectations. The application process was smooth and efficient, with clear communication at every step. The team was incredibly helpful, answering all my questions promptly and professionally. I felt supported throughout, and the funds were disbursed faster than I anticipated. This loan was a game-changer for me, allowing me to bridge a critical financial gap with ease, great to do business with Saint James Finance"
Commercial Mortgage
Nathan Marshall
"I recently secured a commercial mortgage using Saint James Finance and couldn't be happier with the service I received. The process was straightforward and efficient, with excellent communication from the team at every stage. They were knowledgeable, responsive, and guided me through each step, making what could have been a daunting process feel seamless. The terms of the mortgage were competitive, and I felt well-supported throughout. This mortgage has enabled me to take my business to the next level. Highly recommend their services!"
Buy-To-Let Mortgage
Ema Romero
"Having applied for a Buy-to-Let Mortgage with Saint James Finance - i've had an outstanding experience. The process was smooth and hassle-free, with the team providing clear and concise information throughout. Their expertise and guidance were invaluable, making it easy for me to navigate the complexities of the mortgage application. The terms offered were competitive, and the customer service was exceptional. Thanks to their support, I am now a proud landlord with a great investment property and more than happy to recommend Saint James Finance"
Asset Finance
Ann Smith
"Applying for Asset Finance with Saint James Finance was a seamless experience from start to finish. The team was incredibly helpful, guiding me through each step and answering all my questions promptly. They made the process straightforward and stress-free. I secured the financing I needed quickly and with ease. I couldn't be happier with their exceptional service and professionalism. Its very easy to recommend Saint James Finance for your next loan"
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Learn More From
Frequently Asked Questions
Bridging finance, also known as a bridging loan, is a short-term loan designed to provide temporary funding until more permanent financing can be secured or an existing financial obligation is removed. It is commonly used in real estate transactions to bridge the gap between the purchase of a new property and the sale of an existing one. This type of finance can also be used for property development, auction purchases, or urgent business needs where quick access to funds is essential.
Bridging loans typically have higher interest rates compared to traditional long-term financing options due to their short-term nature and the higher risk involved for lenders. Interest rates can vary widely but generally range from 0.4% to 2% per month. In addition to interest rates, borrowers may also encounter various fees, including arrangement fees (typically 1-2% of the loan amount), valuation fees, legal fees, and exit fees. It’s important for borrowers to fully understand all associated costs before committing to a bridging loan.
One of the primary advantages of bridging finance is the speed at which funds can be accessed. Bridging loans are designed to provide quick liquidity, often within a matter of days. The exact timeframe can vary depending on the lender, the complexity of the transaction, and the efficiency with which the necessary documentation and due diligence processes are completed. Generally, funds can be made available within 5 to 14 days, making bridging finance an ideal solution for situations requiring urgent capital.