PROPERTY & BUSINESS FINANCE SOLUTIONS

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Finance Solutions
We Support

  • RESIDENTIAL & BUY-TO-LET MORTGAGES
  • REMORTGAGING - For personal homes & buy-to-let properties
  • Sharia Mortgages
  • MORTGAGES FOR OVERSEAS INVESTORS
  • Bridging Finance and Short-Term Funding
  • Invoice Finance
  • Unsecured Business Loan
  • Personal Secured Loans

All funding solutions are subject to status, valuation, affordability, and lender approval. All funding solutions are subject to status, valuation, affordability, and lender approval.

ACEFC RESIDENTIAL BUY-TO-LET MORTGAGES

  • Mortgages for personal homes and investment properties.
  • First-time buyers, home movers & landlords.
  • Fixed, tracker and variable rate options.
  • Support for complex or non-standard cases.
  • UK lenders and specialist providers.

Our role at ACEFC

We assess your circumstances and introduce you to suitable lenders or brokers.

ACEFC acts as an introducer and does not provide regulated mortgage advice.

Learn More

ACEFC REMORTGAGING For Personal Homes & Buy-to-Let Properties

  • Switch lenders or release equity
  • Reduce monthly payments or raise funds
  • Residential and buy-to-let options
  • Specialist support for complex cases
  • Fixed or variable rate products available

Our role at ACEFC

We assess your goals and introduce you to suitable lenders or brokers

ACEFC acts as an introducer and does not provide regulated mortgage advice
Learn More

ACEFC Sharia Mortgages

  • Ethical, interest-free home finance
  • Structured via shared ownership or lease arrangements
  • Suitable for Muslims and non-Muslims
  • UK residential and buy-to-let options available
  • FCA-regulated specialist providers

Our Role at ACEFC

We assess eligibility and introduce you to suitable Sharia-compliant lenders or brokers

ACEFC acts as an introducer and does not provide regulated mortgage advice.

Learn More

ACEFC MORTGAGES FOR OVERSEAS INVESTORS

  • Buy UK property while living abroad
  • For expats, foreign nationals & international investors
  • Residential and buy-to-let options available
  • Specialist lenders with flexible criteria
  • GBP rental income opportunities

Our role at ACEFC

We structure your case and introduce you to suitable UK lenders or brokers

ACEFC acts as an introducer and does not provide regulated mortgage advice.

Learn More

ACEFC Bridging Finance and Short-Term Funding

  • Fast, short-term funding secured against property
  • Ideal for purchases, auctions, refinances, and urgent cashflow needs
  • Suitable for investors, landlords, developers, and complex cases
  • Flexible criteria, including adverse credit

ACEFC BUSINESS INVOICE FINANCE

  • Unlock cash tied up in unpaid invoices
  • Improve business cashflow quickly
  • Suitable for SMEs and growing businesses
  • No property security required
  • Flexible facilities aligned to trading levels

Our role at ACEFC

We assess your business needs and introduce you to suitable specialist finance providers

ACEFC acts as an introducer and does not provide regulated mortgage advice.

ACEFC UNSECURED BUSINESS LOANS

  • Business loans with no property security required
  • Suitable for SMEs, startups & growing businesses
  • Can be used for cashflow, expansion, or working capital
  • Faster decisions than traditional bank lending
  • Fixed monthly repayments over agreed terms

Our role at ACEFC

We assess your needs and introduce you to suitable specialist lenders

ACEFC acts as an introducer and does not provide regulated mortgage advice.

Learn More

ACEFC PERSONAL SECURED LOANS

  • Loans secured against property you own
  • For homeowners, landlords & complex cases
  • Flexible criteria, including adverse credit
  • Higher loan amounts than unsecured borrowing
  • Monthly repayments over agreed terms

Our role at ACEFC
We assess your needs and introduce you to suitable specialist lenders

ACEFC acts as an introducer and does not provide regulated mortgage advice.

Learn More

⚖️ Disclaimer

This does not constitute financial, mortgage, or investment advice. ACEFC acts as an introducer only. Mortgage decisions are made by the lender following full assessment.

No offer or solicitation to invest is made by this website. Any transaction is subject to full due diligence, valuation, legal review, and (where applicable) lender approval.

We do not provide mortgage or financial advice.

  • We introduce clients to suitable lenders or brokers
  • The lender carries out all affordability, valuation, and approval checks
  • Clients receive full explanations before proceeding

Need more information? We’re happy to explain the process and introduce you to an appropriate provider.

Your home may be repossessed if you do not keep up repayments on your mortgage or other secured borrowing.

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If you are seeking structured property solutions, specialist finance, or long-term housing partnerships, we invite you to speak with ACEFC.

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07344 031 232

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ACEFC | RESIDENTIAL & BUY-TO-LET MORTGAGES

Home finance for homeowners, landlords & investors

What do we mean by Residential & Buy-to-Let mortgages?

These are mortgage solutions designed for:

  • Buying or remortgaging a home you live in (Residential)
  • Buying or refinancing property you rent out (Buy-to-Let)

They can support both standard cases and more complex profiles.

🏠 Residential mortgages may be suitable for:

  • First-time buyers
  • Home movers
  • Remortgaging existing homes
  • Self-employed clients or company directors
  • Clients with multiple income sources

Each application is assessed individually by the lender.

🏢 Buy-to-Let mortgages – who are they for?

Buy-to-let mortgages may be suitable for

  • First-time buyers
  • Portfolio landlords
  • Limited company property investors
  • Overseas investors seeking UK rental income

Subject to lender criteria and property type.

⭐ Key benefits

✅ Access to a wide range of UK lenders
✅ Options for standard and complex cases
✅ Residential and investment property solutions
✅ FCA-regulated lending environment
✅ Clear affordability and suitability c

⚠️ Important to know

  • Affordability, credit, and valuation checks apply
  • Larger deposits may be required for buy-to-let
  • Rental income must meet lender requirements
  • Not all property types or client profiles are accepted
  • Overseas investors may be subject to additional checks

🤝 Our role at Important ACEFC

✔ ACEFC acts as an introducer only
✔ We do not provide mortgage or financial advice
✔ We introduce clients to suitable lenders or authorised brokers
✔ All advice, assessments, and approvals are made by the lender or broker

📩 Thinking of buying, remortgaging, or investing in

Email: admin@firstchoiceforyou.com
📞 Call or WhatsApp: 07344 031 232

⚖️ Disclaimer

Information only. This does not constitute financial advice. Mortgage decisions are made by the lender following full assessment.

⚠️ IMPORTANT WARNING – RISK OF POSSESSION

⚠ Your home or property may be repossessed if you do not keep up repayments on a loan secured against it.

This applies to:

  • Personal secured loans
  • Any borrowing secured on residential or investment property

Clients should carefully consider their ability to repay before proceeding.

What is a remortgage?

ACEFC | REMORTGAGING For personal homes & buy-to-let properties

These are remortgage solutions designed for:

  • Your own home (personal residence)
  • A new deal with your current lender

This can apply to:

  • A new lender, or
  • A buy-to-let or investment property

Why do people remortgage ?

  • Secure a better interest rate or product
  • Reduce monthly payments
  • Remortgaging existing homes
  • Release equity from a property
  • Consolidate borrowing
  • Raise funds for refurbishment or investment
  • Move away from an expiring fixed or tracker rate

Remortgaging a personal residence

This may be suitable for:

  • Homeowners looking to improve their mortgage terms
  • Clients with changing income (self-employed, directors)
  • Clients whose circumstances have improved since last borrowing
  • Homeowners seeking to release equity for personal use

Subject to affordability, valuation, and credit assessment.

Remortgaging a buy-to-let property

This may be suitable for:

  • Landlords refinancing existing rental properties
  • Portfolio landlords restructuring borrowing
  • Limited company property investors
  • Overseas investors holding UK rental property

Rental income, property type, and deposit levels are assessed by the lender.

⭐ Key benefits

✅ Access to a wide range of UK lenders
✅ Options for residential and buyto-let remortgages
✅ Support for standard and complex cases
✅ Potential access to released equity
✅ FCA-regulated lending environment

⚠️ Important to know

  • Early Repayment Charges (ERCs) may apply
  • Affordability and credit checks still apply
  • Property valuation is required
  • Buy-to-let remortgages are assessed on rental income
  • Not all properties or client profiles are accepted

🤝 Our role at Important ACEFC

✔ ACEFC acts as an introducer only
✔ We do not provide mortgage or financial advice
✔ We introduce clients to suitable lenders or authorised brokers
✔ All advice, assessments, and approvals are made by the lender or broker

📩 Considering a remortgaging.

Email: admin@firstchoiceforyou.com
📞 Call or WhatsApp: 07344 031 232

⚖️ Disclaimer

Information only. This does not constitute financial advice. Mortgage decisions are made by the lender following full assessment.

ACEFC | MORTGAGES FOR OVERSEAS INVESTORS Invest in UK property from abroad

❓ What is an overseas investor mortgages?

An overseas investor mortgage allows non-UK residents to buy property in the UK, even if they:

  • Live abroad
  • Earn income outside the UK
  • Do not have UK residency

These mortgages are designed for international buyers looking to invest in UK property

🔑 Who is it suitable for?

  • Overseas nationals
  • UK expats living abroad
  • International investors
  • Foreign company directors / entrepreneurs
  • Investors seeking UK rental income

🏠 What can you buy ?

  • Buy-to-Let residential property
  • Long-term rental investments
  • Some specialist supported or leased accommodation (case-by-case)

📍 Property must be in the UK

💷 How does it work?

You apply through a specialist UK lender or broker. Affordability is assessed using:

  • Overseas income
  • Rental income (where applicable)
  • Deposit size

✅ Larger deposits are usually required
✅ Lending is in GBP

⭐ Key benefits

✅ Access to UK property market
✅ Earn income in GBP
✅ Long-term capital growth potential
✅ Professional UK-regulated lending structures
✅ Suitable for portfolio investors

⚠️ Important to know

  • Higher deposits usually required (often 25–40%)
  • Fewer lenders than standard UK mortgages
  • Currency exchange considerations apply
  • Full affordability and property checks still required
  • Not all property types are accepted

🤝 Our role at Important ACEFC

✔ ACEFC acts as an introducer only
✔ We do not provide mortgage or financial advice
✔We introduce you to suitable lenders or authorised brokers
✔ All approvals are made by the lender

✔ Full explanations provided before you proceed

📩 Interested ininvesting from overseas?

Email: admin@firstchoiceforyou.com
📞 Call or WhatsApp: 07344 031 232

⚖️ Disclaimer

Information only. This does not constitute financial advice. Mortgage decisions are made by the lender following full assessment.

🏢 Business Loans

Business loans may be suitable for:

  • Business expansion or growth
  • Working capital and cashflow support
  • Equipment or asset purchase
  • Refurbishment or fit-out costs
  • Consolidation of existing business borrowing

Available to:

  • Limited companies
  • Sole traders
  • Partnerships

(Subject to lender criteria.)

🔓 Unsecured Business Loans

Unsecured business loans:

  • Do not require property as security
  • Are typically based on business performance and affordability
  • May be suitable for short- to medium-term funding needs

Important to note: Interest rates may be higher than secured loansLoan amounts and terms are usually more limited

⚠️IMPORTANT WARNING – RISK OF POSSESSION

⚠ Your home or property may be repossessed if you do not keep up repayments on a loan secured against it.

This applies to:

  • Personal secured loans
  • Any borrowing secured on residential or investment property

Clients should carefully consider their ability to repay before proceeding.

⭐ Key points to know

✅ Loan terms, rates, and fees vary by lender
✅ Credit and affordability checks apply
✅Security may be required for some loans
✅ Not all applicants or purposes are accepted
✅ Early repayment charges may apply

🤝 Our role at ACEFC

✔ ACEFC acts as an introducer only
✔ We do not provide financial or lending advice
✔ We introduce clients to suitable lenders or authorised brokers
✔ All advice, assessments, and approvals are made by the lender or broker

📩 Need your funding or want to explore options?

Email: admin@firstchoiceforyou.com
📞 Call or WhatsApp: 07344 031 232

⚖️ Disclaimer

Information only. This does not constitute financial advice. Loan approvals, terms, and conditions are determined by the lender following full assessment.

🏢 Business Loans

Business loans may be suitable for:

  • Business expansion or growth
  • Working capital and cashflow support
  • Equipment or asset purchase
  • Refurbishment or fit-out costs
  • Consolidation of existing business borrowing

Available to:

  • Limited companies
  • Sole traders
  • Partnerships

(Subject to lender criteria.)

🏠 Personal Secured Loans

Personal secured loans:

  • Are secured against a property you own
  • May be used for personal or business purposes
  • Can offer access to larger loan amounts
  • Often have longer repayment terms

These loans are assessed on:

  • Property value and equity
  • Income and affordability
  • Credit profile

⚠️ IMPORTANT WARNING – RISK OF POSSESSION

⚠ Your home or property may be repossessed if you do not keep up repayments on a loan secured against it.

This applies to:

  • Personal secured loans
  • Any borrowing secured on residential or investment property

Clients should carefully consider their ability to repay before proceeding.

⭐ Key points to know

  • Loan terms, rates, and fees vary by lender
  • Credit and affordability checks apply
  • Security may be required for some loans
  • Not all applicants or purposes are accepted
  • Early repayment charges may apply

🤝 Our role at ACEFC

✔ ACEFC acts as an introducer only
✔ We do not provide financial or lending advice
✔ We introduce clients to suitable lenders or authorised brokers
✔ All advice, assessments, and approvals are made by the lender or broker

📩 Need funding or want to explore your options?

Email: admin@firstchoiceforyou.com
📞 Call or WhatsApp: 07344 031 232

⚖️ Disclaimer

Information only. This does not constitute financial advice. Loan approvals, terms, and conditions are determined by the lender following full assessment.