Purchase Refinance or Equity Release 

Your property portfolio is a store of wealth, but that wealth is often illiquid – trapped in bricks and mortar. There are times when you need access to that cash immediately, whether to fund a new business venture, pay a tax bill, or seize an unexpected investment opportunity.
Temple Solutions Consultancy specialises in securing our clients bespoke bridging loans to release equity. We allow you to unlock the equity in your residential or commercial property in as little as 5 to 7 days, without disturbing your long-term mortgage arrangements if necessary. 

Portfolio landlords may have significant equity across your portfolio but limited cash in the bank. Instead of selling a property (which takes months and incurs Capital Gains Tax), you can bridge against your equity in the property to raise the funds needed for your next purchase. 

Banks are slow to lend to SMEs. If you have a tax deadline or a supplier who needs paying immediately, securing a bridge against your commercial premises or investment property can solve the liquidity crisis in days. 

You can typically borrow up to 70-75% of the property value (including any existing mortgage. To preserve your cash flow, you usually do not pay interest monthly. It is deducted from the loan or added to the balance, to be repaid when the loan redeems. 

Common exits (repaying the loan) include selling the property, refinancing onto a standard term mortgage, or using business profits (if the loan was for business purposes.