Specialist Mortgages

Types of Specialist Lending

Bridging Loans: Fast, Flexible Finance

Need access to funds quickly while moving between properties or waiting for a sale to complete? Bridging loans are a short-term financial service ideal for bridging the gap between buying a property & securing longer-term funding. Whether purchasing at auction or managing the sale chain, bridging finance offers flexibility for homeowners & investors alike.

Our advisors will explain everything in plain English, from required exit strategies to common fees like arrangement, legal, or valuation costs. Interest rates can range from 0.5% to 1.5% per month. With Mortgage & More, specialist mortgage advice means no unexpected surprises, just helpful, qualified expertise.

Refurbishment Finance: Support for Your Property Projects

Thinking about updating a buy-to-let, renovating a home, or tackling a major property transformation? Refurbishment finance is designed for landlords, investors, & homeowners looking to add value to their properties. There are options for both light refurbishments (such as redecorating, new kitchens, or rewiring) & heavy refurbishments (like extensions, loft conversions, & structural changes requiring planning permission).

As an experienced Mortgage Broker in Kent, Mortgage & More provides expert, impartial guidance on the most suitable refurbishment finance for your needs, helping you maximise your returns, stay compliant, & keep the process straightforward.

Development Finance: Large-Scale Project Support

If your plans involve building new properties or major commercial renovations, development finance could be the perfect fit. This stage-released finance helps you manage the budget & timeline for extensive residential or commercial projects. Independent monitoring surveyors track progress & release funds as targets are met, reducing risk & keeping everything transparent.

Key considerations include fees, the need for a contingency fund (typically around 10%), & lender requirements. Mortgage & More's experienced team is fully qualified to advise you at every stage, ensuring your specialist lending needs in Maidstone are met with confidence.

Auction Finance: Quick Funding for Successful Bids

Winning a property at auction is thrilling, but you need funding fast to complete the purchase within strict deadlines. Auction finance is a specialist mortgage service designed for just this purpose, giving you access to the capital you need after a successful bid.

We'll arrange pre-approval so you know your indicative terms before you even step into the auction room. Should you secure a property, we guide you through credit checks, exit strategies, & all paperwork needed for compliant, timely completion. Our approachable & reliable team at Mortgage & More is proud to help clients navigate this complex mortgage area with total confidence.