Les Howard, the specialist Independent Mortgage Advisor of Howard
Financial Services Ltd now has over 35 years of experience in the
Industry and has successfully assisted hundreds of businesses in finding
the right commercial mortgage to meet their needs. He prides himself
on providing a professional friendly service to potential customers,
using his experience and expertise to offer them the most competitive
package to suit their needs.
The majority of people assume that their bank should be their first
port of call, but the banks often don't have the competitive rates
and flexibility that other lenders in the market may have. In addition
to this, each commercial lender will have their preferred sector into
which they will lend, eg some will not lend against pubs or nursing
homes, whilst others will welcome them with open arms.
The credit worthiness of a borrower is also an important factor and
has a large influence on which lender is likely to be able to assist
- thankfully with our knowledge of the entire commercial market we
can help you to approach the right one first.
Being fully independent we have access and can approach all lenders
in the market place who often offer much more flexibility and competitive
rates than high street banks. Wherever possible we work with
these lenders to produce what we consider to be fair and reasonable
terms for the deal to be done. Our arrangement fees are generally
well below the standard fees charged for this specialist market.
With his many years of experience Les Howard is well qualified to
advise new applicants on the best possible way to approach a deal
and then packages it for them to present to the lender in a truly
professional manner. He then gives his honest opinion as to whether
the deal is viable before too much time or money is wasted. Alternatively
if he feels the deal is good he conveys this to the lender in order
to obtain the best possible terms.
We know the individual requirements and criteria of each lender and
put it to the lender who best suits your particular needs, enabling
us to get a decision as soon as possible. We will then work closely
with the lender and where necessary, set up and attend meetings with
other professional bodies such as the accountant and solicitor.
Finally, we only charge a fee once the offer is in place as we do not
make promises we cannot meet!
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To
view one of our case studies to give you an idea of how we can help
you, please click here.
Commercial mortgages
are not regulated by the FSA. |
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We
have a loan calculator on the site to enable you to calculate
various borrowing and repayment scenarios at your leisure, to
help you decide what you can afford to borrow and pay back.
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If
you would like us to help guide you through the Commercial Mortgage
lending market, please complete our contact
form under no obligation, or use the contact information
at the foot of the page.
We endeavour to answer all enquiries within 24 hours. |
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