Andy Panayi CeMAP
Your Independent Mortgage Adviser
Andy Panayi CeMAP
Your Independent Mortgage Adviser
Access Financial Services
100% - the best advice on the market
Our specialists have years of experience, so no matter what your goal, we have the skills and expertise to make it happen.
Access Financial Services
100% - the best deals for your needs
Want to start a family? No matter your end goal, we can personalise your quote to fit your unique circumstances.
Access Financial Services
100% - your best interests at heart
We believe in your dreams like they are our own. We will be with you on every step of your journey.

Commercial mortgage advice

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Which commercial mortgage can we help you with:

Owner Occupier Trading Premises
Protect your beloved family home in every way you can.

Owner occupier insurance, in simple turns, is a policy that will protect both your house and its contents if something were to happen. If you couldn’t afford to rebuild your home in the case of an emergency, then owner occupier insurance is a sure investment to protect both yourself and the people who mean the most to you.

Owner occupier insurance can come in various shapes and sizes, and you can buy several add-ons to protect against other circumstances too – for example, accidental damage cover, your garden and even alternative accommodation if there is a period of time in which you cannot access your home. Cover can be flexible and you can choose how you pay – including a monthly option.

We understand that the number of options, add-ons and flexibility that comes with owner occupier insurance can be daunting to research. Choose Access Financial Services and we will explain each of your options in simple language – no financial jargon here – so you can make the most informed decision.

Your house is more than just a building. We will treat your needs like they are our own, asking all the right questions to find the perfect solution for you and your family, to secure your future long-term.

Short Term Bridging Loans
Protect yourself in the short-term when buying that dream property.

Short term bridging loans were created for those on the property buying journey, providing an extra cushion of security in between selling your current home and buying your new one. Financially, this is a period that could be stressful for your family – a short term bridging loan can relieve some of the worry.

This kind of loan is also useful for those interested in property development, allowing you to buy, turn around and sell a home more quickly. Short term bridging loans can be fixed – the same amount of interest every month - or variable – where payments change – depending on what is best for you.

There are typically two types of policy – open-bridge and closed-bridge. Closed bridge is when there is an identifiable point where the loan will be paid back – open bridge is much more risky as there is no such date.

The policy you can get depends on a number of factors – the size of your current property, the security available and your income.  It is also important to note that there are high interest rates and some fees involved with these loans, and so they are not for everyone.

That is where we come in. Access Financial Services brokers have copious years of experience, but more importantly: we listen to your needs and treat them like they are our own. Based on the information you provide for us, we will always ensure you are making the smartest financial decision, and always explain this to be easily understood.

Development Funding
No matter what stage your property development is at, we are here to help.

Property development funding is financial assistance given to any aspect of building a property. This can include the purchase of a site, the actual construction of the development, along with any interest and fees. Property development can also be applied to extensions or conversions of existing property.

This could be a good option for those interested in pursuing their passion of real estate and completely revamping or building any size of property. From homes to hotels, factories to offices, we can help you find financial aid with your passion project, with access to loans that fall well within six figures to ensure the property is at the best standard it can be.

There are a number of factors that will apply to your development funding, including the value and size of the land, the total cost of the work and the projected worth at completion.

It is also important to consider that this is purely a short-term option, and full repayment is expected as soon as possible once the property has been sold or repurchased.

At Access Financial Services, we believe that in order to get the perfect deal, we really need to understand our customers. Our personal touch will ensure we get as much information as possible about your situation, project and vision, to ensure that we can scour the market and deliver the best possible options for you. Our strong relationships with key banks mean we can find offers that aren’t available on the high street.

Investment Properties

Want to jump into the property market? We can offer the best investment opportunities around.

Whether you are a seasoned investor, have found the perfect property or simply want to get involved with this exciting industry, investment properties could be your perfect solution.

There are clear benefits to investing in property, from charging rent as a landlord to selling the development for profit. Involvement can take many forms, from buy-to let to property funding – how you decide to proceed is entirely up to you.

Our financial experts will sit down to have a chat about your ambitions in property investment, what type of property you would like to invest in and also your current financial situation. Your personal broker will then extensively research your options, utilising our key relationships with the largest banks to get you a great deal. Any options will be explained in simple language and there is a dedicated customer hotline for any additional queries you may have.

We want to help you build your future through investment – our personalised service will ensure you can reach your goals.

Unsecured Business Loans
Jump-start your company with one of our unsecured business loans.

An unsecured business loan is a good solution for a company who are new and with a lack of assets, would prefer not to offer security, or if you are an established company that rapidly growing and need finance to keep up with demand or large-scale projects. This is a particularly good option for companies that are mainly based online, without many physical possessions like office space.

An unsecured business loan has simple legal steps, you don’t have to provide a valuation and is a great way to secure a loan very quickly. Plus, the level of rejection for a regular bank loan in these circumstances is incredible high, so an unsecured business loan is an avenue that provides guaranteed capital.

You can borrow over a number of years and choose a set period and amount to pay back you’re your business has the funds. However, as there is more risk involved than with a secured business loan and so rates can be higher.

A personal guarantee is normally required with an unsecured business loan, where a director or key company member will need to pay the loan back if the business finds itself unable to.

Unsecured business loans can be a little tricky to navigate – at Access Financial Services, we know that industry jargon isn’t for everyone so we will always explain your options in simple terms. We will ask questions about your business, your finances and your aspirations to ensure we can find the best possible option for you. Our years of experience will help your business fulfil its true potential.

Commercial Insurance
Secure your business and look forward to a bright future.

Essentially, commercial insurance is cover for your business for any claims you may need to make in the future, including theft, damage, loss and injury. This is normally sold as a package, as there are a number of elements that will need insurance within your business.

If you have even one employee, you will need to include employer’s liability insurance, to cover yourself for any claims made if your staff become ill or injured. Public liability insurance is crucial for businesses working with the public, as it protects you against claims from customers. Buildings and contents insurance is fundamental if you have any physical assets in order to ensure items can be rebuilt or replaced if necessary.    You will even need motor insurance if any vehicles are associated with your company!

Here at Access Financial Services, we treat your needs as if they are our own. We will ensure we know the ins and outs of your business model before putting together an insurance policy that will work for you. Even if you need a number of different kinds of policy included in your commercial insurance, we will use our ties with key banks and financial partners to ensure you are fully satisfied with the outcome of your deal. Plus, we are always at the end of the phone for any burning questions that come up along the way.