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WELCOME TO

LONDON

Life Financial Solutions, based in London, specialise in tailoring financial solutions to both the public and business sector.

Our financial expertise and advice has helped many businesses and individuals reduce their risk whilst saving them money. Life financial solutions, has many years experience and a broad amount of knowledge and expertise in financial services, lending, mortgage underwriting and risk mitigation.

Life Financial Solutions is a trading style of Rosemount Financial Solutions Ltd who is an appointed representative of Intrinsic Mortgage Planning Limited and of Intrinsic Financial Planning Limited who are authorised and regulated by the Financial Conduct Authority. Intrinsic Financial Planning Limited and Intrinsic Mortgage Planning Limited are entered on the FCA Register (http://www.fca.org.uk/register) under reference 440703 and 440718.

We offer advice and bespoke solutions to Bridging with the aim of utilising Bridging Finance to add maximum value to clients’ needs.

We have extensive expertise in commercial property finance allowing us to obtain our clients competitive and flexible terms.

Choosing the most suitable product can be a confusing & stressful process, our expert guidance is focused on finding what is best for you.

Whilst it is our duty to assist you in purchasing your property, it is also imperative to ensure you keep your property.

Insuring your home is essential, it also your duty to protect your valuables and contents within your home and away from home.

Effectively managing your tax affairs is an increasingly challenging but essential part of your business or personal financial planning.

Bridging Finance

At Life Financial, we offer advice and bespoke solutions to Bridging with the aim of utilising Bridging Finance to add maximum value to clients’ needs. We are in a unique position to source the most competitive and flexible short term lending solutions from a large range of the market’s leading lenders. Our Bridging Rates start from 0.65% per month and we also have some exclusive relationships enabling us to arrange finance where others are unable to.

What is Bridging Finance?

Bridging Finance is a short-term loan secured against property or land, available from 1 day through to 18 months. It is essentially used until longer-term finance can be arranged.

There are various ways in which Bridging Finance may be used to assist with clients’ needs. The main reasons are as follows:


Auction Purchases
Purchasing a property at auction usually requires a strict completion deadline of 21 working days, with a 10% deposit payable on the day of the auction. It is not generally possible to obtain conventional mortgage finance in such a short space of time, so a Bridging Loan can be arranged to assist with the purchase (typically 7 to 10 working days). Once the property purchase is complete, a more conventional mortgage can then be obtained in order to refinance and repay the bridging loan.


Cash Buyer

Bridging Finance provides clients with a valuable tool of accessing finance usually within 7 to 10 working days. Life Financial are able to secure up to £10m in this time frame and this can be particularly advantageous where an opportunity arises to secure a great deal if you can complete quickly.


‘Uninhabitable’ Property
Where a property has no working kitchen or bathroom, central heating or running water, mainstream lenders will be able to lend until the works have been completed on the property, as it would be considered uninhabitable.

It is possible however to arrange a Bridging Loan on this type of property. Once the work is complete, the property can either be refinanced to a conventional mortgage or sold, to repay the bridging loan.


Property Development & Planning Permission
Many clients now use Bridging Finance to assist in the purchase and/or renovation of a property which is then either sold or refinanced through more a conventional lender. The development could involve anything from light refurbishment through to complex structural changes to the property.

Bridging Finance can also be used against land or property in order to obtain planning and secure development funding. It is worth noting that part-complete projects can also be purchased with a Bridge.


Broken Chain
Where a client is still in the process of selling their existing residence but wants to purchase a new property, a Bridging Loan will enable them to secure the new property before the sale of their existing property completes. The Bridging Loan can be secured against the new property or any other properties owned by the borrower. In some cases, we have been able to raise the entire amount to secure the client their new property.


Become an Introducer!

We have significant experience and an in-depth knowledge of the bridging market which enables us to understand clients’ funding requirements and providing the appropriate solutions.

If you are not already a registered introducer and would like to know how we can benefit you and provide your clients with exclusive and market-leading bridging finance, please click here. For further information on our proposals or to discuss any potential cases please contact us

We Would Love to Help

Do you need help, support or advice?

We would love to help you

Every clients situation and requirements will vary, all of our services are tailored by experts to meet your exact needs and requirements. We encourage customers to get in touch with us and discuss their requirements openly.

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Commercial

We have extensive expertise in commercial property finance allowing us to obtain our clients competitive and flexible terms on their commercial mortgages and finance requirements.

At Life Financial Solutions, we source the most beneficial and suitable products. We have close associations with a variety of specialist lenders and possess the depth of knowledge required to ensure results for our clients for all aspects of commercial property and commercial investment.

We are also able to advise clients and arrange debt refinancing should there be a better or more suitable product available than their existing commercial mortgage(s) and loan(s).

We Would Love to Help

Mortgages

Whether you are a first time buyer, home mover or looking to remortgage; Our team of experienced and qualified mortgage advisers have a significant amount of expertise in the mortgage market; they are therefore able to guide you through the complex maze of mortgage and property finance.There are a vast amount of products available, such as; fixed, tracker, variable & discounted. Choosing the most suitable product can be a confusing & stressful process, our expert guidance will help take away the confusion and stress by finding the best product for you.

We do the ‘shopping around’ for you, searching from the ‘whole of market’ with access to every major bank & lender in the UK.

You can therefore be assured in the advice you receive, whilst providing you with the best possible products & mortgage solutions matching your needs and circumstances.

As a member of intrinsic one of UK’s largest financial networks, we are also able to access market leading exclusive products and rates.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE

Remortgaging

Are you currently paying the lender’s SVR? We might be able to lower your rate and save you money!

We may able to remortgage you to an alternative lender, lowering your monthly interest. We may even be able to fix your rate as an option, to avoid any potential future rises in interest rates. There may also be options available to you with ‘fee’s free’ incentives.

Looking to do some home improvements on your property, buy an another property or even consolidate debts. We can help by offering remortgage advice and discuss the possibility of releasing equity in a cost effective way.

Buy to Let

Our Buy to Let specialists are able to access every major buy to let bank and lender in the UK.
We will help you understand the lender’s rental calculations and criteria to ensure we find the best possible product available to you.

* Some buy to let mortgages are not regulated by the Financial Conduct Authority

Bridging Loans

Whether you are buying from an auction or need an ‘urgent’ lending solution, our bridging finance partners are able to deliver flexible funding within days.

Commercial Finance

Life financial solutions have built and grown strong relationships with some of the key players in the commercial lending market. Our relationships allow us to design commercial solutions in order to fund your commercial purchase or gear up/capital raise on existing assets.

* Commercial mortgages are not regulated by the Financial Conduct Authority

We Would Love to Help

Protection

Whilst it is our duty to assist you in purchasing your property, it is also imperative to ensure you keep your property. We do this by providing you with adequate protection for you, your family and your home, in the event of death, critical illness or long term sickness.

What is your biggest asset? Is it your house?

We believe this answer (‘house’) is incorrect, and that your biggest asset is ‘YOU’, the income earner. Without you and your income, there may not be a house.

It is therefore a key part of our advice and service that we protect you and your family with a range of products that will provide a pay out or inheritance, to protect you, if the unthinkable should happen.

Protection Products we offer:

  • Life Assurance
  • Whole Of Life
  • Critical Illness
  • Income Protection*
  • Redundancy Protection
  • Private Health Insurance
* There are other products available designed to protect you against loss of income.

If you would like a quote for life assurance, critical illness, income protection or any form of insurance/protection, please email quote@lifeinsurancesolutions.co.uk

After confirming your Name, Date of birth, Cover required and contact details, one of our life insurance advisers will contact you within 24 hours.

We Would Love to Help

Insurance

Insuring your home is essential, whilst most lenders will make it a condition to insure the building of your property, it also your duty to protect your valuables and contents within your home and away from home. We are able to advise you on products matching your needs and circumstances.

Our Insurance services include:

  • Home insurance
  • Buildings & Contents
  • Landlords insurance
  • Professional indemnity
  • Public liability
  • Commercial property insurance

If you would like a quote for life assurance, critical illness, income protection or any form of insurance/protection, please email info@lifefs.com

After confirming your Name, Date of birth, Cover required and contact details, one of our life insurance advisers will contact you within 24 hours.

We Would Love to Help