Property Finance
At WealthBase, our brokers work hard with you as your trusted finance partner to help you build and grow your wealth to ensure that you get the right funding for now and beyond.
WelthBase can assist with the financial arrangements and services related to purchasing, investing in, or developing property. We can act as your finance partner in obtaining the necessary funds to acquire or invest in real estate and managing the financial aspects of property transactions.
- Property Purchase: Property finance often plays a crucial role in facilitating property purchases. It involves providing funding for the acquisition of residential, commercial, or investment properties. This can include loans for homebuyers, investors, or businesses looking to expand their property portfolio.
- Property Development: Property finance supports the development of real estate projects, including residential, commercial, or mixed-use developments. It provides funding for land acquisition, construction costs, infrastructure development, and other expenses associated with the development process.
- Refinancing: Property finance also includes refinancing existing property loans. Borrowers may choose to refinance their mortgage to take advantage of lower interest rates, access equity, consolidate debt, or adjust the loan terms to better suit their financial objectives.
- Investment Financing: Property finance supports individuals or businesses investing in real estate. It involves providing loans or financial products tailored for property investment, such as buy-to-let mortgages, financing for property investment portfolios, or funding for real estate investment trusts (REITs).
- Commercial Property Finance: Commercial property finance focuses on providing funds for the acquisition, development, or refinancing of commercial properties. This includes office buildings, retail spaces, industrial properties, and other commercial real estate assets.
- Bridging Finance: Bridging finance is a short-term loan that provides temporary funding until a permanent financing solution is in place. It is commonly used in property transactions where there is a time gap between buying a new property and selling an existing one.
- Property Investment Analysis: Property finance professionals may also offer investment analysis and advice to help individuals or businesses make informed decisions about real estate investments. This can involve assessing the financial viability, potential returns, and risks associated with different investment properties.
Business Purchase or Restructure
Business purchase or restructuring can be a complex process of acquiring an existing business or making significant changes to the structure or operations of an existing business. The process may involve the transfer of ownership, assets, and liabilities from one party to another or the reorganization of a business to improve its efficiency, profitability, or strategic direction. Here are the key aspects of business purchase or restructuring WealthBase can help with:
- Business Acquisition: Business acquisition involves purchasing an existing business from its current owner. This can include acquiring the entire business or a portion of it, such as specific assets, divisions, or subsidiaries. The buyer assumes ownership and control of the business, including its assets, liabilities, contracts, employees, and customer base.
- Merger: A merger occurs when two or more businesses combine to form a new entity. This often involves a mutual agreement between the merging parties and can result in shared ownership, resources, and operations. Mergers are typically pursued to achieve synergies, economies of scale, expanded market reach, or diversification.
- Consolidation: Consolidation refers to the combining of multiple businesses into a single entity. It involves the integration of operations, resources, and management to create a more streamlined and efficient business structure. Consolidation can lead to cost savings, improved market position, and enhanced competitiveness.
- Restructuring: Business restructuring involves making significant changes to the structure, operations, or ownership of a company. This may include changes to the corporate hierarchy, departments, business units, or strategic direction. Restructuring aims to optimize performance, adapt to market changes, enhance profitability, or address financial challenges.
- Spin-off or Divestiture: A spin-off or divestiture occurs when a business sells or separates a division, subsidiary, or segment to create a new independent entity. This allows the parent company to focus on its core operations or unlock the value of the separated business. The spin-off entity can operate independently or be sold to a new owner
- Joint Venture: A joint venture is a partnership between two or more businesses to pursue a specific project, venture, or market opportunity. Joint ventures involve sharing resources, risks, and rewards, and are commonly used to leverage complementary strengths, enter new markets, or combine expertise.
- Management Buyout (MBO): A management buyout occurs when the existing management team or employees of a business purchase the company from its current owners. This allows the management team to become the new owners and continue running the business independently.
Business purchase or restructuring can be complex processes involving legal, financial, and operational considerations. It is important to conduct thorough due diligence, seek professional advice from lawyers, accountants, and business consultants, we can help develop a clear strategy and plan to ensure a successful transition or restructuring or put you in touch with the right people to help your journey.
Working Capital
Our expert brokers have access to a range of banks and specialist providers that a look at your current structure and plans, to ascertain the appropriate level of working capital that you need and find the best and most cost-effective solution. We can also provide helpful advice on how to improve supplier terms and manage customer receipts better. WealthBase brokers have access to a variety of services including overdraft, short term loans or invoice finance. Each has their own merits – we can advise you on the best combination based on your type of business, terms of trade and cash flow cycle.
Property Development
We understand that a development project whether a handful or 50 units will have its own set of challenges and requirements. Early engagement with us is very important to avoid holding costs eating into profit. We work with a number of specialist providers whether undertaking a residential or commercial development. Loans are available for up to 80% of the hard costs and 65% of the end value (TOC). Typically drawn down in stages against builders invoices or QS reports, interest may be capitalised within the facility to ensure your cash flow is not impacted. Talk to us about options here for your circumstances and see how we can help you get this project off the ground.
Are you looking for a car loan, asset finance or equipment finance?
WealthBase can offer a complete range of car loan, asset finance & equipment finance options to all of our valued customers.
Our growing reputation and building relationships amongst the top tier financiers mean that you get the best option for finance and quick and efficient service for all of your personal and business financial needs.