Expert Guidance on Specialist Mortgages in Bristol & Bath

Tailored Mortgage Solutions for Complex Needs

Some property purchases or financial situations require specialist mortgage solutions. At Strong Mortgage Solutions, we provide expert guidance on bridging loans, second charge mortgages, and commercial mortgages for clients in Bristol, Bath, and surrounding areas.

We simplify complex mortgage options and guide you towards the solution that suits your unique needs.

Book Your Free Specialist Mortgage Consultation and explore tailored solutions for your property goals.

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Specialist Mortgage Solutions We Support

Bridging Loans

Bridging loans are short-term financial solutions that help cover the gap between buying a new property and selling an existing one. While they can be more expensive, they offer speed and flexibility, making them ideal for fast property purchases.

Ideal for auction purchases or when quick completion is needed.
Flexible repayment options while waiting for longer-term financing.
Options for residential, commercial, or investment properties.

Common Concerns:

"Bridging loans are expensive."
Truth: They come with higher rates but offer flexibility and speed that can be crucial for time-sensitive purchases.

Explore Bridging Loan Options

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Second Charge Mortgages

A second charge mortgage is a secured loan taken against your property, allowing you to release equity without remortgaging. It's an ideal solution for clients wanting to preserve their current mortgage deal or avoid early repayment charges.

Suitable for those with competitive existing mortgage rates.
Helps raise funds for home improvements, investments, or debt consolidation.
Ideal when remortgaging would be costly or impractical.

Common Concerns:

"Second charge mortgages are for people with bad credit."
Truth: They’re a flexible option for anyone looking to raise funds without disrupting a favourable mortgage deal.

Find Out About Second Charge Options

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Commercial Mortgages

Commercial mortgages are designed for purchasing property for business purposes, whether you're buying premises for your company or investing in commercial property.

Tailored solutions for offices, shops, warehouses, and other business premises.
Support for both owner-occupiers and investors.
Guidance on deposit requirements, affordability, and lender criteria.

Learn More About Commercial Mortgages

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Step-by-Step Guide to Securing a Specialist Mortgage

Initial Consultation – Discuss your unique circumstances and property goals.
Assess Requirements – Determine the most suitable specialist mortgage solution.
Agreement in Principle (AIP) – Clarify borrowing potential and strengthen purchase offers.
Application Process – We manage paperwork, liaise with lenders, and ensure smooth progress.
Approval & Completion – Secure the mortgage and guide you to successful completion.

Book a Free Consultation to simplify your specialist mortgage journey.

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Frequently Asked Questions About Specialist Mortgages

How fast can I get a bridging loan?

Bridging loans can be arranged quickly, often within 2 to 4 weeks, depending on lender criteria and document readiness.
When is a second charge mortgage a better option than remortgaging?

If you have a favourable existing mortgage rate or face early repayment charges, a second charge mortgage allows you to raise funds without disturbing your main mortgage.
Can I get a commercial mortgage for an investment property?

Yes, many lenders offer commercial mortgage solutions for investment purposes. We can guide you based on your investment plans.
Do I need a large deposit for specialist mortgages?

Deposit requirements vary by mortgage type, but typically, lenders prefer at least 25-30% for bridging and commercial mortgages.
Are there risks with bridging loans?

Yes, as they come with higher rates and fees. However, their flexibility makes them ideal for time-sensitive transactions. We provide clear advice to ensure they're right for your needs.