Cornerstone Brochure - Full Finance - 8 PAGE

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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


Finance Bridging Finance Bridge the gap with short-term finance There are times when you need to make quick decisions. You may need to make a speedy property purchase or refinancing needs to be done quickly. Maybe you need to ensure you don’t lose your dream home while your property is sold. Maybe you need to take advantage of a great property opportunity. You’ll need short-term bridging finance to help you keep your development project or house purchase on track. Our experienced advisers can help you get your application for bridging finance right the first time – ensuring you get a speedy decision when you need it. We’ll work hard to find you the best and most transparent bridging finance deals on the market.

Auction Finance Don’t lose your deposit – get auction finance in place Auction goers will know that getting your finances in order is vital. It’s important that financing is in place before an auction, or immediately after it. Sometimes, however, opportunities must be seized and short-term auction finance is necessary to ensure you don’t lose your deposit and your purchase before your main finance kicks in. Our experienced advisers can help you make a speedy application for auction finance. We’ll help you get it right the first time – ensuring you get a quick decision when you need it. We’ll also work hard to find you the best and most transparent auction finance deals on the market. We could save you hundreds or thousands of pounds by getting you the right deal.

Some forms of commercial mortgages are not regulated by the financial conduct authority www.cornerstonefinance.co.uk

Got a question? Call 029 2166 0550 today


How it works Bridging Finance Purchase

Client looking to purchase their new residential property prior to their existing property being sold. Able to secure the full funding for the new purchase over both properties to enable the client to purchase and not miss out. The interest and fees are retained within the facility meaning that there is no monthly commitment and the full loan repaid from the sale of the existing property.

Development

Client looking to raise funds to complete on the purchase of an investment property that is 1) not in a mortgageable condition, or 2) requires planning consent for change of use. Able to secure a bridging loan over either the investment property only or by utilising a 2nd charge over their residential property to assist with the purchase and potentially renovation costs. The client is then able to 1) sell the property at the increased value, or 2) refinance the property based on the increased value once it has been tenanted.

What is it? - Auction Finance Auction finance is used to purchase properties at auction. It can be arranged extremely quickly and fits neatly into the purchasing timescales of the auction houses. There are three types of auction finance. These are:

Short term finance bridging loans

Buy to Let for auction properties

Commercial Auction Properties

Got a question? Call 029 2166 0550 today

Ensure you get the loan in place before the auction purchase final settlement date expires Looking for more information? Talk to our experts today! Call 029 2166 0550

www.cornerstonefinance.co.uk


Development Finance Get your new build or renovation project off the ground with the right finance Whether you’re a first-time property developer or a seasoned professional, you’ll need the best advice to get the right short-term finance in place for your property build or renovation.

Commercial finance can be used for: • New builds • Conversions • Refurbishments • Residential developments • Commercial developments

How we can help Lowest rates Decision in hours Rapid funding Up to 100% From £100k - £1bn No geo restrictions Flexible terms The financial conduct authority does not regulate some forms of commercial lending

www.cornerstonefinance.co.uk

Got a question? Call 029 2166 0550 today


How it works - To obtain planning consent Bridge on land or an alternative property to allow the client to purchase the land and obtain full planning consent.

Once planning is granted this can then be flipped onto full development finance depending on the value of the build/GDV

How it works - Development (<ÂŁ250,000) Development finance to assist with the build of a small scale development project. Ability to release up to 65% Gross on Day 1 to assist with the purchase or Stage 1 of the build if the land is currently unencumbered. Staged draw-downs for the further loan draw-downs depending on the increased value, subject to the Gross Loan not exceeding 65% of the value of the development site. Additional security can be provided to assist and allow greater draw down values.

How it works - Development (>ÂŁ250,000) Development finance to assist with the build of a small scale development project. Ability to release up to 65% Gross on Day 1 to assist with the purchase or Stage 1 of the build if the land is currently unencumbered. Staged draw-downs for the further loan draw-downs depending on the increased value, subject to the Gross Loan not exceeding 65% of the value of the development site. Additional security can be provided to assist and allow greater draw down values.

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.


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