Varsity Finance

Varsity Finance We are a Firm of Qualified Advisors offering HNW Clients and Businesses, Bespoke Lending Solutions.

Due to the Pandemic, many of our Product Providers and Lenders have either Closed For Business, Restricted their Products and Services which has meant they have all completely amended their Criteria. This means as Highly Experienced Advisers we now face the challenge of educating ourselves on a daily basis by remaining in regular contact with all of our Panel of Providers and Lenders. However, our

knowledge needs to be extended and we do this by ensuring we remain up to date with all of the latest Global Financial News, the Property Market, and other Global Trends that may affect our Business, Advice, and Clients. Its due to this level of Commitment and the extensive areas of Specialist Advice provided, that we have set minimum levels of business as follows:

We also charge a Fee for our Loan Services which starts at £995 payable up front. Though we can charge up to 2% of the Loan Facility, should the case be complex.

£995 is always payable on Application, with any applicable balance due on site of a Mortgage Offer, even you decide not to complete the case. This is Non- Refundable

You will be advised of your Personalised Fee Agreement Up Front, for which you will required to sign a Client Fee Agreement before we can start the inquiry. You will also be required to sign a Non-Disclosure Document to protect your personal information both provided to and by the client.

Common Bridging Loan Myths1. Bridging Loans are a last resort❌ Bridging loans are a helpful financial tool, allowing peo...
09/10/2025

Common Bridging Loan Myths

1. Bridging Loans are a last resort
❌ Bridging loans are a helpful financial tool, allowing people to cover short-term financial gaps.

2. Bridging Loans are expensive
❌ Bridging loans enable investors to create and build wealth by funding their investments. It is a short-term cost intended to help people create long-term value and gain!

3. You need an excellent credit score
❌ A good credit score will certainly help get you approved for a bridging loan, but it isn't the only factor taken into consideration.

4. Bridging Loans are complicated
❌ Bridging loans are low-stress due to flexible terms, a short-term commitment and fast processing times.

And don't forget we go beyond just funding your purchase. On Below Market Value (BMV) deals, we can help cover Stamp Duty and refurbishment costs too – by netting above the purchase price.

For a quotation or a whole of market research report, please contact me [email protected]

WHATSAPP - 07496503983

26/09/2025

ART FINANCE 🖼️

Unlock capital by borrowing against high-value artwork or collections.

Competitive rates, discreet structuring, international solutions, and fast ex*****on.

For UHNWIs, True Collectors, Family Offices, and Private International Clients l.

Speak with me to arrange tailored ART FINANCE solutions.



WhatsApp 07496503983

SPLIT TITLE BRIDGING NEWS 🎉🎉MAX LOAN SIZE NOW £50 Million 💥LENDER UPDATE ;As pioneers of title split finance having crea...
25/06/2025

SPLIT TITLE BRIDGING NEWS 🎉🎉

MAX LOAN SIZE NOW £50 Million 💥

LENDER UPDATE ;

As pioneers of title split finance having created the finance model lending on split value 4 years ago and more recently having launched our lease extension model last June we have just unlocked increased capacity.

We were previously limited to loan sizes of £1.5m.

We can now lend up to £50m for these strategies. 💥💥

Title Split Purchase Strategy
*****************************

Borrower buys MUFB where they intend to split titles to MULB (or can be used on freehold splits), significant uplift potential from title splits often up to 40% in OMV.

We lend on the split value (75% for residential, 70% on semi-commercial and 65% for commercial) to minimise deposit.

Up to 90% PP usually but with deferred consideration (fully subordinated) we can go to 100%.

Valuation instructed to provide leasehold values.

Draft leases and architectural drawings submitted during legal with application to HMLR to be sent on day of completion.

Leasehold Extension Strategy
******************************

Borrower buys short lease flat, with consenting freeholder and agreed marriage value to extend lease.

Valuation on lease extended value can reach similar uplift as with title splits.

The problem has always been the marriage value payment. ❗️

We lend 75% Extended Value and up to 100% Marriage Value. ❗️

In both of these cases the rates are the same depending on loan size:

Loans from £1.5m - £50m
Interest: 1.1% p/m
AF: 2%
Exit: 1%
Admin: £1,999

Loans from £50k to £1.5m
Interest: 1%
AF: 2%
Exit: None
Admin: £1,999

We can also allow refurb of these properties where the loans are under £1m and for this we have exceptionally attractive gearing and pricing.

Title Split Refurb: 85% Split Value Day 1 / 75% LTGDV at 1.04% p/m

Lease Extension & Refurb: 85%

Extended Value Day 1 / 75% LTGDV at 1.04% p/m (inc of marriage value alongside works – if the deal stacks)

As probably the foremost expert on these strategies we are happy to make ourselves available to explain the strategies at a deeper level if it would benefit you/your clients. But if you already have turned down deals of this sort of size historically do get in touch.

With the larger facilities we would of course expect borrower A&L to fit PG requirements, despite not needing as much deposit – this is a complex strategy with higher legal costs and isn’t designed for beginner investors.

We hope you are as thrilled as us with this news and we look forward to receiving new enquiries.

[email protected]

Business WhatsApp 07496503983

VARSITY FINANCE CHARGE AN UPFRONT FEE OF £1995.

17/06/2025

SUPER FAST BMV BRIDGING LOANS RESIDENTIAL & COMMERCIAL

Loans from £500,000 - £5,000,000

- First charge only
- Rates from 1.5% pcm
- Up to 100% net of purchase price
- Gross LTVs of up to 80%
- Terms of 4 months – 364 days
- Same day HOTs
- In house legals
- No Red Book valuations
- All underwriting in house at no cost
- No interest or fee deductions from the net advance
- Freehold and LLH property
- No affordability checks
- Adverse credit history considered
- No ground up development
- Rapid turnarounds

Product Guide
- Development exits
- Acquisition finance
- Refurbishment finance
- Equity release
- Conversion finance

Preferred Assets
- Residential
- Offices
- Industrial
- Hotels
- Land with planning

Preferred Locations
- Central London
- The Home Counties
- Brighton
- Bristol
- Other locations considered

FEE OF £1995 IS PAYABLE AT THE OUTSET

Looking to fund your next project and need the max loan in super fast time, then contact us today;

Email; [email protected]
Business WhatsApp; 07496503983

08/06/2025

💥SUPER FAST BRIDGING FINANCE💥

NO REDBOOK VALUATION REQUIRED

Quick decisions with a same day indicative offer of finance (which is NOT subject to valuation)

In-house valuations in most cases with the aim of mitigating unnecessary delays/costs

Our lender will value based on their experience within the property industry, (due to previous lives as buyers/agents ourselves), and their lending is based on value, not purchase.

As a result, BMV transactions don’t deter them and in some cases they will support up to 90% LTP.

Simple and transparent documentation
Flexible terms (can have varying interest payment terms)

Genuinely dynamic and can transact within 5 days (subject to performance of borrowers/their solicitors)

Direct access to the decision makers

Refinance of existing bridging loans

Fixed interest rates regardless of Bank of England rate rises, (in most cases).

Rates from 1% pm

Minimum gross loan £250,000

Max 65% LTV

Retained Interest

Ability to meet the borrower(s) and gain access to the property/properties to be secured

Compliance with their strict KYC/AML policies (you will be required to complete an ID check with provider Thirdfort)

Do you need a same day offer - fast completion time - then we can help.

Business WhatsApp 07496503983

[email protected]

07/06/2025

When you thought BRIDGING could not get any better:

AVMS ARE HERE 🔥

AVMS now at 75% at DIP on residential purchases - only takes minutes and NO cost.

This compliments our already great bridging products, sourcing system & process which includes, but not limited to:

🧨 Light or heavy refurbishment/conversions - same rates - NO rate loading

🎈 No experience hurdles - First time buyers acceptable for non regulated

🎉 SPEED: Duel rep on solicitors (Regulated & non regulated)

🎈 Regulated (chain breaks) 1st & 2nd charges

🎉 Bridge to Let - with the lender covering legal fees & first £500 of the valuation cost on the BTL

🧨 Borrow more with our 85% refurbishment bridge capped at 75% of GDV

✅ Min Gross Loan - £250,000

Bridging is now far more accessible and affordable to both FTB, and experienced investors.

So if you are considering your next purchase and would like a competitive quote as well as a full comparison report, then contact us directly.

We are highly experienced and qualified, as well as being a proud member of the NACFB.

Email: [email protected]

Business WhatsApp- 07496503983

27/05/2025

NO VALUATION REQUIRED 💥💥

PURCHASE | REFINANCE | CAPITAL RAISE | AUCTION

If you need fast funding, without the usual red tape?

Varsity Finance delivers fast Bridging.

Loans from £250 to £3m with this lender

Residential, semi-commercial, commercial, industrial - even unconventional properties. (England, Scotland & Wales)

1st and 2nd charges on both residential and commercial assets.

NO VALUATIONS needed - we lend on experience, not bureaucracy.

Adverse credit? No problem! CCJs, defaults, bankruptcy, insolvency and missed payments considered.

Rates from 1% PCM (Serviced Interest only)

We’re built for urgent, complex, or quirky deals that mainstream lenders won’t touch.

Need funds in days, not months? Let’s talk.

Reply to by email or call me directly on 07496503983 -WhatsApp

[email protected]

17/05/2025

EX PAT AND INTERNATIONAL BUY TO LET PRODUCTS

Lower rates across UK Expat and International Buy-to-Let product range

We are pleased to announce that our lender has today repriced their range of Buy-to-Let (BTL) products for UK Expats and International residents.

All UK Expat and International resident BTL 2-year fixed rates have been reduced by 0.26% and all 5-year fixed rates have been reduced by 0.27%.

New Rates:

UK Expat BTL: 2-year fixed rental rates starting at 4.23% and 5-year fixed rental rates starting at 5.95%

International resident BTL: 2-year fixed rental rates starting at 4.32% and 5-year fixed rental rates starting at 5.96%

These changes reflect their ongoing commitment to offering competitive and flexible finance options that align with current market conditions.

We believe these new rates will provide greater value and support to clients helping them achieve their property investment goals.

Their UK Expat and International resident criteria includes, but is not limited to:

✅100% of overseas income accepted

✅Over 200 locations worldwide

✅No UK credit footprint or UK address required

✅Top slicing, HMOs and MUFBs accepted

✅New build houses and flats

✅Finance up to £10m

✅Portfolios - no limit on properties

Email: [email protected]

Business WhatsApp: 07496503983

MAXIMISE YOUR BORROWING CAPACITY Did you know... Our Mortgage lender offers blended ICRs?Did you know…We offer Blended I...
17/05/2025

MAXIMISE YOUR BORROWING CAPACITY

Did you know... Our Mortgage lender offers blended ICRs?

Did you know…

We offer Blended ICRs to determine loan affordability based on each borrower’s tax status and share of ownership/rent.

This can help to maximise borrowing capacity for combinations of tax payers with different statuses who apply together, with further advantages possible for properties with an uneven ownership split.

Want to know how this could help you borrow more on your investment properties, then contact us directly.

Email: [email protected]

Business WhatsApp: 07496503983

17/05/2025

FAST FUNDING

If you need fast funding, without the usual red tape?

Loans from £250k to £3m.

Residential, semi-commercial, commercial, industrial - even unconventional properties. (England, Scotland & Wales)

1st and 2nd charges on both residential and commercial assets.

NO VALUATIONS needed - we lend on experience, not bureaucracy.

Adverse credit? No problem! CCJs, defaults, bankruptcy, insolvency and missed payments considered.

Rates from 1% PCM (Serviced Interest only)

We’re built for urgent, complex, or quirky deals that mainstream lenders won’t touch.

Need funds in days, not months? Let’s talk.

Address

Cambridge

Opening Hours

Monday 9:30am - 5pm
Tuesday 9:30am - 5pm
Wednesday 9:30am - 5pm
Thursday 9:30am - 5pm
Friday 9:30am - 5pm

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Welcome to Varsity Finance, Cambridge’s Truly Local and Independent Financial Advisers.

Welcome to Varsity Finance, Cambridge’s Truly Local and Independent Financial Advisers offering both tailored and specialist advice in are areas of financial services and planning.

As a family run business we pride ourselves on understanding both the market and the clients we serve, many of which have been with us for over 10 years. From young entrepreneurs to large corporate businesses we have provided ongoing holistic advice throughout our clients journey and will continue to do so be it finding a suitable mortgage to protecting their family and business as well as wealth management and finally retirement planning.

However there is life after retirement and for many clients who are age 55 and home owners, there is now the unique opportunity of unlocking capital from their home to use for what ever they wish, tax free. Maybe you need to clear your interest only mortgage and do not want to down size but, for many the dream of travelling or gifting money to family can be a real possibility with Equity Release Mortgages.