GPS Financial

Most brokers will place the deal in front of them.
We look at how to make it work better.

If you’re buying, refinancing or looking at a new opportunity, we step back and look at the full picture first.

Is there a better way to structure it?
Is there more value to unlock?
Are you using the right type of finance for what you’re actually trying to achieve?

Getting a deal done is one thing.
Getting it done properly is where the difference is.

We specialise in complex cases. The ones that don’t fit neatly into a box.
And when they do, they move quickly.

We move quickly too, same day terms where needed.

We’ve been doing this since 2013, so we know what works and what doesn’t.

We help with:
• Bridging finance
• Buy to let and portfolio lending
• Development and conversion funding

If you’ve got something in progress, or you’re about to move on a deal, we’ll go through it with you properly.

https://gpsfinancial.co.uk/

It’s straight talking advice. No messing around.

We’re seeing more landlords exit, and some of the portfolios coming through right now are worth paying attention to.

These aren’t entry level deals.

We’re talking:
📊 £1m to £5m+ portfolios
🏢 Blocks, mixed portfolios and larger HMOs
🔧 Often under rented or in need of repositioning
📈 Real scope to increase income and value

The opportunity isn’t just in buying something new.

👀 It’s also in looking at what you already own.

A simple example:
A portfolio at £1.2m producing £72,000 can, with the right work, move closer to £96,000+
At a 7% yield, that pushes value from £1.2m to around £1.37m.

That’s where things start to get interesting.

We’re seeing more landlords now:
🔁 Refinancing to release capital
🔨 Carrying out works to improve income
📈 Then refinancing again once value has been pushed up

Same principle; whether you’re buying or improving.

If you’re looking at a portfolio, or already have one that could be doing more, get in touch with the team:

📞 029 2267 7725
📧 [email protected]

Not every lender is pulling back right now.

Last week felt like constant updates about products being pulled or repriced, so when something actually works, it stands out.

Fleet have just released a new range with:
📊 4.49% rates for standard and Ltd company Buy to Let
🏢 4.79% rates for HMOs & MUFBs
💷 £1,000 cashback on completion
⬆️ Up to £2,000 back with EPC improvements

On a £500,000 deal, that’s £2,000 straight back into the project.

It won’t change the deal on its own, but it does ease those upfront costs, which is where most of the pressure sits.

They’re also still one of the more flexible lenders for social housing leases, which isn’t always easy to place.

Nothing complicated here, just something that actually works in the current market.

If you’ve got a deal in mind, drop us a message or give us a call 02922677707
[email protected]

Hi, we’re GPS Financial.

There are a few of us here; we’ll introduce the team properly at some point when we manage to get everyone in the same place long enough for a photo. But you don’t really need to know what we look like; just what we do.

We’ve been helping property investors, landlords and developers arrange finance for their projects for almost 14 years now, so we’ve seen most things that can happen on a property deal. That said, we do enjoy a challenge; complex cases are very much our speciality.

Here are some of the things we help with most often:
🏗 Bridging finance for purchases and time-sensitive deals
🏡 Buy to let mortgages for landlords and portfolio investors
🔨 Refurbishment and conversion projects
🏢 Development finance for ground-up and major conversion projects
📊 Portfolio finance for landlords with multiple properties
If you're working on a property project and want to explore the finance options available, feel free to get in touch.

029 2267 7725
[email protected]