how we help
who are we? We are highly trained team of property finance specialists who can cater for all of our client’s property finance and insurance needs. We are a team of 20 and we provide services to clients throughout all areas of the U.K.
Michael Wayman
Gareth Holtam
Zoe Joyce
Philip Harding
Bradley Wayman
Anna Holtam
Matt Godfrey
Ken Davies ceMAP Sam Cuddihy Senior Mortgage Advisor
Senior Mortgage & Protection Adviser
Phil Emanuel
Paige Wayman
Paul Jones
Stacey Murphy
Charlotte Robinson Joel Davies
Managing Director
Commercial Director
Senior Mortgage & Business Protection Adviser
Working for you and not our lenders As a whole of market fully independent financial intermediary, using our sophisticated tools and vast experience of the entire market we can very rapidly scan all available options for you. Ensuring that you get the very best and the most appropriate finance solution for your needs. Our mission is absolutely centred around you.
Senior Mortgage Adviser
Dealing directly with lenders will, of course, limit your options and whilst there are other brokers in the market, let’s just say some are not quite as independent as you would like them to be. We simply work for and on behalf of you.
Commercial & Bridging Manager
Head of Finance
Fast and friendly advice Expert advisers without ties to any lender means you’ll always get the best advice regarding your funding requirements.
Rapid Pay-out Fast access to funding to keep your project or purchase on track, subject to the lender’s criteria.
5.0/5
Senior Commercial & Bridging Manager
Business Protection Specialist Mortgage Adviser
Mortgage & Protection Advisor
Average Rating
Office & Compliance Manager
Got a question? Call 029 2166 0550 today
Administrative Officer
Trainee Mortgage Adviser
www.cornerstonefinance.co.uk
Mortgages Residential Mortgages Are you a first-time buyer or are you moving up the property ladder? Have experienced credit problems in the past? Whatever stage of the ladder you’re on, whatever situation you’re in, if you need expert, independent advice, tailored to your needs. We’re all individuals with different needs and different circumstances, so each application must be examined individually. We will help you or your client get the best ‘first charge’ mortgage for your circumstances - the only or main mortgage on your property.
Commercial Mortgages Save time and money thanks to our commercial mortgage experts There are so many demands on a business owner’s time. Ploughing through the products offered by thousands of lenders to get the best deal would be time- consuming and confusing. Our experts get to know you and your business. They understand what you need. With their extensive knowledge of the commercial marketplace, our independent advisers find the best deals for your business. They give you impartial advice because they aren’t tied to any lender. As well as sourcing the best rates, our experienced advisers always keep you in the loop – the best way of avoiding expensive hitches. We could save you time and money. The financial conduct authority does not regulate some forms of commercial mortgage
Remortgages Our clients are obtaining competitive remortgages on a whole of market basis thus allowing us to choose the most suitable remortgage lender for you. We can access lenders who can offer remortgages for almost any circumstance. We will provide confidential, no obligation advice by one of our specialist mortgage team members.
As a mortgage is secured against your property, it may be repossessed if you do not keep up the mortgage repayments www.cornerstonefinance.co.uk
Got a question? Call 029 2166 0550 today
Things to know before applying for a Mortgage Before completing a mortgage application or viewing any houses, you’ll want to know these things to aid in your mortgage application and your eventual purchase: How much cash you can put down
Your monthly income The sum of your total monthly debt payments (auto loans, student loans and credit card minimum payments)
How much house you can afford
Your credit score and any credit issues in the past few years
How it works - Commercial Mortgage up to
75%
up to
75%
Investment
Purchase or refinance of a commercial/semi-commercial property for investment purposes. Able to release up to 75% LTV depending on property type with funding up to over 30 years on Capital Repayment or Interest Only.
Trading / OPCO / PROPCO
Purchase or refinance of your existing trading premises with the ability to raise up to 75% LTV over a maximum of 30 years. Funding can be used to purchase property, release funding for business expansion or to assist with the change in management structure/business strategy.
Top Reasons for a Remortgage
Obtain a better rate and reduce monthly payments.
Raise additional capital for to improve your home or buy that new car.
Debt consolidation
Think carefully before securing other debts against your home
As a mortgage is secured against your property, it may be repossessed if you do not keep up the mortgage repayments Got a question? Call 029 2166 0550 today
www.cornerstonefinance.co.uk
Mortgages Buy-to-let Mortgages Making a buy-to-let property work for you is all about getting it at the right price and getting the right mortgage deal. You need expert advice to maximise the yield. The right property could get you a gross annual return of between 5% and 10%. Lenders will ask you for a larger deposit than a home you’ll live in – generally 25%. You’ll need to pay arrangement fees of up to £2,000 and lenders will charge slightly more interest on buy-to-let loans. You’ll also need to show lenders the rent you charge will cover mortgage interest payments by 125% or more. That will help cover maintenance costs or lost rent if the property is empty for a time.
Portfolio Mortgages Building a portfolio of properties to let can leave you with multiple mortgages, multiple accounts to manage, and an increasingly confusing picture as your portfolio grows. Managing multiple mortgages can be time-consuming. Have you considered consolidating all your properties into a portfolio mortgage? That would allow you to make one payment on all your properties every month and don’t have to remortgage every time you add a property, potentially saving you thousands of pounds in fees over the years. There is the potential to grow your portfolio more quickly by drawing down equity from the combined value of all your properties, and there are tax advantages. Talk to us about whether a portfolio mortgage would be right for you or your business. Our impartial experts will find you the best portfolio mortgage deals. We cannot advise you on the suitability of a buy to let investment strategy. If you are unsure as to the appropriateness of this strategy then we would recommend you speak to an accountant or tax adviser.
The financial conduct Authority does not regulate commercial buy to let mortgages. A buy to let mortgage will be secured against your property. www.cornerstonefinance.co.uk
Got a question? Call 029 2166 0550 today
What is it? - Buy-to-let Mortgage Buy-to-let mortgages are a lot like ordinary mortgages, but with some key differences:
Arrangement Fees The fees tend to be much higher.
Interest Rates
Interest rates on buy-to-let mortgages are usually higher.
Min. Deposits
The minimum deposit for a buy-to-let mortgage is usually 25% of the property’s value (although it can vary between 20-40%).
What is it? - Portfolio Mortgage A portfolio landlord is a borrower with four or more distinct mortgaged Buy to Let UK rental properties (or seven or more for remortgage applications without capital raising). This includes: Holiday Lets
Owned by Limited Company
Consent to let Properties
Owned by Applicant(s)
The financial conduct Authority does not regulate commercial buy to let mortgages. A buy to let mortgage will be secured against your property. Got a question? Call 029 2166 0550 today
www.cornerstonefinance.co.uk
Impartial help and a personal approach Our qualified advisers aren’t tied to any lender – so their advice is truly impartial. We always give advice in our customer’s best interests. We get to know you and what you need. Then, we find you tailored solutions.
The lenders we use
Got a question? Call 029 2166 0550 today
www.cornerstonefinance.co.uk
Looking for more information? Talk to our experts today!
Get in touch Unit F, Upper Boat Business Centre, Pontypridd, CF37 5BP 029 2166 0550 info@cornerstonefinance.co.uk www.cornerstonefinance.co.uk
Cornerstone Finance is a trading name of Cornerstone Loans Ltd Registered in England & Wales No 08458702. Registered address: Unit F, Upper Boat Business Centre, Pontypridd CF37 5BP. Cornerstone Loans Ltd is authorised and regulated by the Financial Conduct Authority. FCA number: 767202.