GPS Financial

GPS Financial Contact information, map and directions, contact form, opening hours, services, ratings, photos, videos and announcements from GPS Financial, Mortgage brokers, Forgeside Cl, Cardiff.

EPC is becoming a bigger factor in refinancing.For some properties, it’s the only thing holding the deal back.Not the nu...
01/05/2026

EPC is becoming a bigger factor in refinancing.

For some properties, it’s the only thing holding the deal back.

Not the numbers.
Not the structure.
Just the EPC.

Castle Trust have just launched a product focused purely on that.
Short-term funding to carry out light works and improve the rating before refinance.

No heavy refurb.
No structural work.

Just the kind of upgrades that can move a property from where it is now… to where it needs to be.

Up to 75% LTV
Loan sizes from £200k to £1m
Term up to 12 months

If you’ve got something where the EPC is the sticking point, it’s worth a look.
Give us a call on 029 2267 7725 if you want to run through a scenario.

Most brokers will place the deal in front of them. We look at how to make it work better.If you’re buying, refinancing o...
24/04/2026

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.

Social housing is picking up pace.Stable income.Long term demand.Local Authority backed tenants.What has changed is fund...
20/04/2026

Social housing is picking up pace.

Stable income.
Long term demand.
Local Authority backed tenants.

What has changed is funding.

👉 Rates from 4.79%
👉 Loans from £50k to £50m

Deals that would not have worked before are now getting done.

If you have something in mind, we will tell you quickly if it stacks up.

Social housing is picking up pace.Not because it is new.Because it works.Stable income.Long term demand.Local Authority ...
16/04/2026

Social housing is picking up pace.

Not because it is new.

Because it works.
Stable income.
Long term demand.
Local Authority backed tenants.

What has changed is funding.

Deals that would not have worked before are now getting done.
If you are looking at something like this, we can tell you quite quickly if it actually works.

👉 https://gpsfinancial.co.uk/bridging-loans/social-housing-finance/

A lot of portfolios coming to market right now are from landlords exiting.The opportunity isn’t just in the purchase.It’...
06/04/2026

A lot of portfolios coming to market right now are from landlords exiting.

The opportunity isn’t just in the purchase.

It’s in what you do with it next.
We help investors:
• Assess portfolio purchases
• Identify where value can be added
• Structure funding properly from day one

If you’re looking at a deal or planning your next move, we’ll help you make it stack.
👉 https://gpsfinancial.co.uk/portfolio-mortgages/

We’re seeing more landlords exit, and some of the portfolios coming through right now are worth paying attention to.Thes...
31/03/2026

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]

We’re seeing more landlords exit, and some of the portfolios coming through right now are worth paying attention to.Thes...
30/03/2026

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 the value really starts to move.

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, it’s worth running through properly.

📞 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,...
27/03/2026

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 ge...
12/03/2026

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]

Shawbrook have recently updated their lending criteria for Social Housing investments.The key changes include:• Simplifi...
12/03/2026

Shawbrook have recently updated their lending criteria for Social Housing investments.

The key changes include:

• Simplified lease guidance with fewer minimum lease requirements
• No upfront lease reviews; these are now handled during the legal process
• More housing providers accepted by the lender
• Automated valuations available for suitable properties
• Social Housing cases supported across Shawbrook’s Complex Buy to Let and Structured Real Estate products

Following the update, it’s interesting to see more investors exploring the Social Housing model.

In simple terms, the property is typically leased to a housing provider who manages the tenants and day to day running of the property, while the landlord receives the agreed lease income.

Where structured properly it can be an efficient model, but as always the finance structure is what determines whether the deal actually works.

If you’re looking at a Social Housing investment or supported housing lease, feel free to send the details over and we’re happy to sense-check how lenders are currently viewing these deals.

029 2267 7725
www.gpsfinancial.co.uk

Address

Forgeside Cl
Cardiff
CF245FA

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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