Mortgages with Fiducia

At Fiducia, we serve a significant amount of the mortgage market and will always give you a fee-free consultation to discuss your financial situation and future plans.

Whether you are looking for a residential mortgage or commercial mortgage – we’ll be more than happy to guide you through this complex area and help you secure the mortgage that you need.

You could also qualify for government support such as the Help to Buy scheme. Ultimately, there are many different mortgage options out there for you and by speaking to us you can be rest assured that we will advise and select the most appropriate mortgage for you - tailored to your personal needs.
Before taking out a mortgage, there are many financial obligations you should consider, for example: stamp duty, long-term financial commitments, estate agent fees, solicitor fees, insurance costs, general utility bills and more.

Even if you already have a mortgage, we can scan the market and find the most suitable re-mortgage rates for you.

We understand that securing and maintaining a mortgage is one of the many important responsibilities you will have in your lifetime, therefore we’ll guide and secure the mortgage that suits your needs.

We work with numerous lenders including the high street banks as well as many other niche lenders – which often gives you access to exclusive deals not necessarily advertised on the high street.

If you have had trouble securing a mortgage from the banks, speak to us to find out whether there are other alternatives. 

To discuss things further, you can call, email or request a callback.

 
Related Links
Commercial Mortgages via NACFB
The Guardian - Mortgages
Fiducia Mortgage Testimonials
Mortgage Advisers in Lincolnshire and Nottinghamshire
 

 Your home may be repossessed if you do not keep up repayments on your mortgage.                                                                                                                                                                                    A maximum fee of 2% with a minimum of £395 will be payable on application. Typically this will be £395.
Fiducia Mortgage Solutions is a trade name of Fiducia Comprehensive Financial Planning Limited which is an appointed representative of Openwork Limited which is authorised and regulated by the Financial Conduct Authority.

NACFB Gala Dinner

The Fiducia Commercial team were in London last week for the NACFB Gala Dinner to celebrate the fantastic work the business finance brokers do each day.

The night was spectacular with numerous speeches and with entertainment from Alexander Armstrong!

We are also very excited to announce that as brokers, we work with the following award winning lenders:

 

· Specialist Lender of the Year: Funding Circle

· Broker Product Development of the Year: Dragonfly Property Finance

· Factor and Invoice Discounter of the Year: Aldermore Bank

· Commercial Mortgage Lender of the Year: Lloyds Bank

· Business Bank of the Year: Lloyds Bank

 

“The FCS team had a lovely evening at the NACFB gala dinner, with Lancashire Corporation inviting 2 of our brokers on to their table.

This year saw our CEO, Marcus Grimshaw, complete his two year chairmanship and announce his exciting new position on the new NMS board. It was great to not only celebrate this achievement but also our personal achievements and that of the associations.

We also recognised those lenders that have aided us in our achievements including; Shawbrook, Aldermore, Lloyds Bank, Funding Circle and Dragonfly.

It was a successful night with the largest attendance of any gala dinner and also a whopping £24,000 raised for the chosen charity Starlight.” - Nina Teeder, Business Finance Manager

Below are some images from the event:

Fiducia’s Week

A very busy and fantastic week indeed it has been for Fiducia Group!

This week saw Marcus Grimshaw (CEO) and Anthony Scott (Managing Director) in Vienna, Austria for the Openwork Business Conference. Fiducia Group is the 3rd fastest growing business over the last 3 years in Openwork and as a large practice we are number one!

Our CEO flew back to London just in time for the National Association of Commercial Finance Brokers (NACFB) Annual Gala Dinner in London where our commercial team were also enjoying dinner and speeches.

The night fundraised £24,000 for charity and this builds year on year – a fantastic achievement especially as our CEO is also the Chairman of the NACFB.

This goes to show how well Fiducia is engaged in industry activities around the world and is much credit to the commitment of the team at Fiducia Group.

Success Story of the Week

This week we helped a client receive a pay out of £250,000 on his Critical Illness Cover – it was a huge result for the client who had made no claim on his plan assuming he would not be eligible until we uncovered it! So a very happy client, simply due to the attention to detail our advisers possess. It goes to show that having cover organised by the experts at Fiducia can go a long way!

Financial Planning Week 2014

Next week is Financial Planning Week and Fiducia will be taking part to help raise awareness of the benefits of Financial Planning. It will run between 23^rd – 29th November 2014.
To keep up to date, view our posts on Facebook, Twitter and LinkedIn.

Have a fantastic weekend and we hope everyone is getting excited for the run-up to Christmas!

Fiducia talks Cash Flow Loans

In this series of #LoveLending, Fiducia will explain the different kinds of cash flow lending solutions that we specialise in and how it can be used to help your business. 
Cashflow finance can be used in many ways, including; working capital, recruitment, expansion, specific project funding and so much more.

Dependent on your business needs, how the funds will be used and how long you require the finance for will affect what type of lending suits you. We have highlighted two of the solutions we regularly source.

Unsecured business loans, this is ideal for businesses that are looking for short-term finance. We can generally look to secure up to £200,000 against the strength of the business and with no security there is no need for valuations and solicitors. This type of finance is usually arranged within 2 weeks making it ideal for quick acquisitions or working capital needs.
Invoice finance, is ideal for businesses that require cash flow assistance when customers are given time to pay their invoice. Funders will release up to 80% of the invoice value on day one allowing your business to continue to grow rather than waiting up to 90 days for payments from the customers. This type of finance is ideal for rapidly growing businesses and will help them keep up with demand.

Fiducia Success Story:
Mr V is a retail wholesaler selling clothes to retailers including New look, Debenhams, Very.co.uk, ASOS, Tesco are many more. He required £30,000 to increase his stock supplies to support the demand. Fiducia were able to arrange this loan for the client at a rate of 11.65% over 2 years. We recently contacted Mr V and he is getting on really well and the additional finance has helped him increase his stock which in turn will increase his profits.
 
If you are looking to expand your business our consultants at Fiducia Commercial Solutions can advise and organise cash flow funding for you, so give us an email or request a callback today for advice.

Fiducia talks business funding: Crowdfunding & P2P

Crowdfunding

Today’s edition for Love Lending Week is all about Crowdfunding and Peer to Peer lending (P2P) – two very different ways your idea or business can receive funding. We’ll explain what the two are and help you decide which is most appropriate. 

Firstly, if you are a start-up with a fantastic business idea and need funding, then Crowdfunding is an option for you.
Crowdfunding is about pitching your idea to potential investors and if they believe in you and your idea they’ll help fund your venture – think Dragons Den. For their investment they would receive an equity stake in your business or some other reward for example one of the products you produce, but not cash.
Here are some great tips for Crowdfunding success.

How do I prepare for Crowdfunding?

First of all, you need to have a working business plan; make sure it is as detailed as possible so that potential investors can have a better understanding of the idea and the business model. You should also include cashflow projections for the next 3 years– it’s also very important to be as accurate and realistic as possible, overvaluing could hinder your chances of securing finance. Back this up with market research if possible to build a stronger case to help you secure funding.

Peer-to-Peer Lending (P2P)

Similarly to Crowdfunding, investors will fund your lending requirement after assessing your business, these investors could be family offices, other businesses or just individuals however for their investment they get a rate of interest return. They can offer many different lending types including; unsecured business loans, mortgages, invoice finance and asset finance. The difference from traditional lending is that the investors are lending direct to you, there is no middle man (the banks).

How do I prepare for P2P? 

Make sure all your accounting information is up to date including management accounts. Have a clear idea of how you will use the funds raised and what difference this will make to your business. Generally your business will need to have traded for at least 2 years.

Fiducia P2P Success Story

Mrs Singh
· Has an established chain of fish and chip shops in Lincolnshire area
· Has purchased her 3^rd premises but requires £100,000 to convert (currently a pub)
· Raised funds through Funding Circle in 6 hours!
· As unsecured loan no valuations or solicitors were required therefore client had the funds within a week
· She is already looking to purchase a 4^th
 
Confused?
Don’t worry, our consultants at Fiducia Commercial Solutions can advise and organise this for you, so give us an email or request a callback for advice.