Advanced Funding Solutions

Advanced Funding Solutions Advanced Funding Solutions is a North East based source of business funding. We’re the one organisation who can find you the funding you’re looking for ….

We have over 15 years of experience in the financial sector and a wide range of funding
options to help find the solution for you. at rates you thought could never be found.

🌙 Still working?☕ Just starting a night shift?📱 Having a scroll before bed?We post late because that's when people like ...
03/06/2026

🌙 Still working?

☕ Just starting a night shift?

📱 Having a scroll before bed?

We post late because that's when people like you finally get a chance to catch up.

🔓 MORTGAGE CHEAT CODE
DAY RATE CONTRACTORS

If you earn £500 a day and you've been told you can only borrow around £191,000, the problem might not be your income.

🤔 It could be the way your income is being assessed.

Most lenders will look at your tax return:

📄 Salary: £12,570
📄 Dividends: £30,000

Total income assessed: £42,570

🏡 Maximum borrowing: Around £191,000

But specialist contractor lenders can look at things differently.

Instead of treating you as a self-employed company director, they assess you as a day rate contractor and annualise your contract income:

💷 £500 per day
📅 5 days per week
📅 48 weeks per year

✅ Contract income assessed: £120,000

🏡 Potential borrowing: £500,000+

Same person.
Same earnings.
Completely different outcome. 🚀

This isn't a loophole or a workaround.

It's a legitimate underwriting method used by lenders who understand how contractors actually get paid.

If you've only been assessed using your SA302s or dividend drawings, you may not have been shown the full picture.

💡 Knowledge is power.

Let's find out what you could really borrow.

📅 Book a free discovery call:
https://calendly.com/chrisafs/discovery_call

💬 Or WhatsApp me directly:
07584 291 430

🚀 Let's see what's actually possible.

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⚠️ Your home may be repossessed if you do not keep up repayments on your mortgage.

We act as a credit broker, not a lender, and work with a panel of lenders. Eligibility and lending criteria apply. All figures quoted are for illustrative purposes only and based on publicly available lender criteria at the time of writing. Actual borrowing will depend on your individual circumstances.

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Advanced Mortgage Solutions trading name of Advanced Mortgage Solutions North East Limited. Appointed Representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority. FCA Register No. 303397. Registered in England & Wales No. 6390685. Registered Office: C/O Surge Accountants, 23 Woodland Road, Darlington, DL3 7BJ.

📈 Here's what's happening in the market right now — and what it means for developers.Motivated sellers. Distressed stock...
03/06/2026

📈 Here's what's happening in the market right now — and what it means for developers.

Motivated sellers. Distressed stock. Probate sales. Landlords exiting. Properties that need work sitting below market value because retail buyers can't or won't touch them.

This is a developer's market.

But only for developers who can move.

The properties that represent genuine opportunity — the ones with margin, with below-market pricing, with refurb potential — don't hang around. They go to the developer who can:

✅ Make a decision fast
✅ Arrange finance in days, not weeks
✅ Complete without a chain
✅ Not rely on a mortgage lender who'll take 10 weeks

The gap between knowing about deals and being able to act on them is almost entirely a finance gap.

Developers I work with regularly are winning deals that other developers find and lose — simply because they're set up to move.

Are you set up to move on your next opportunity? Or are you still going to need 3 weeks to sort the finance? 👇

📅 Book a free discovery call: https://calendly.com/chrisafs/discovery_call
📱 07584 291 430 | 🌐 www.advancedfunding.co.uk

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

For full disclosure please visit; www.advancedfunding.co.uk

🔍 How lenders assess a development applicationDevelopment finance applications involve more scrutiny than most other pro...
03/06/2026

🔍 How lenders assess a development application

Development finance applications involve more scrutiny than most other property finance products. Here's what lenders are looking at:

📋 Planning permission — is it in place? What does it allow? Any conditions?
📐 Development appraisal — your full cost schedule (QS-verified) against the projected GDV
👷 Contractor — are they experienced? Do they have relevant insurance? Fixed-price contract?
🧾 Build programme — realistic timeline from start to practical completion
👤 Developer experience — track record matters; first-time developers face more scrutiny and often higher rates
🏦 Exit strategy — how is the loan repaid? Sales programme or refinance?
📊 Profit margin — lenders typically want to see 20%+ profit on cost or 15%+ of GDV

A well-prepared development application — with all of the above presented clearly and credibly — can dramatically speed up the credit process and improve your terms.

This is where having a broker who understands development finance genuinely matters. I help clients package applications that get to yes faster.

Got a development project you're working up? Let's talk 👇

📱 0191 486 2089
📧 [email protected]
🌐 www.advancedfunding.co.uk
💬 https://wa.me/message/EI2WA5RDQB5HN1
📅 https://calendly.com/chrisafs/discovery_call

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

For full disclosure please visit; www.advancedfunding.co.uk

💡 "I've found a deal but I don't have the deposit."I hear this more than almost anything else.Here's a real scenario fro...
02/06/2026

💡 "I've found a deal but I don't have the deposit."

I hear this more than almost anything else.

Here's a real scenario from a client last year.

Property: £160,000 purchase price. True market value: £220,000. Motivated seller, cash needed fast.

The challenge: client had equity in their existing home but minimal liquid cash.

The solution:

We placed a bridging loan using a 3rd party charge on the client's existing home (£180,000 equity, no mortgage).

Combined security:
— Purchase property: £220,000 MV
— Existing home: £180,000 equity
— Total security: £400,000
— Loan required: £160,000 — just 40% of combined security

Result: 100% of the purchase price funded. No cash deposit required from the client.

The client refurbished for £22,000 (funded from their own cash flow — their choice), exited to a BTL mortgage at £220,000 GDV, 75% = £165,000 mortgage.

All cash recycled. Permanent asset acquired. Solid cash flow.

This isn't theoretical. It's what well-structured finance looks like in practice. 👇

💬 Message me on WhatsApp — https://wa.me/message/EI2WA5RDQB5HN1
📱 07584 291 430 | 📧 [email protected]

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

For full disclosure please visit; www.advancedfunding.co.uk

🏚️ Thinking of buying a property at auction?Before you start bidding, make sure you understand what happens when the ham...
02/06/2026

🏚️ Thinking of buying a property at auction?

Before you start bidding, make sure you understand what happens when the hammer falls.

One of the biggest misconceptions I hear is:

"I can get 100% finance, so I don't need any money."

Unfortunately, that's not usually how auction purchases work.

The moment your bid is accepted, you'll normally be legally committed to buy the property and expected to pay:

✅ A deposit, typically 10% of the purchase price
✅ Auction fees, often ranging from hundreds to several thousands of pounds depending on the lot and auction house
✅ Your solicitor's costs and any due diligence expenses

This money is usually required immediately.

Even where we can structure funding using additional security and potentially fund:

• 100% of the purchase price
• Refurbishment costs
• Stamp Duty
• Professional fees
• Interest roll-up and other associated costs

The lender does not provide your deposit on auction day.

Instead, these funds are typically reimbursed when the transaction completes.

In simple terms:

💷 You may still need cash available before completion, even if the deal itself can be funded at 100%.

Another issue we're seeing more frequently is extremely short completion deadlines.

Many auction properties now require completion within:

⚠️ 14 days
⚠️ 21 days
⚠️ 28 days

That might sound achievable, but remember:

❌ Bank holidays slow things down
❌ School holidays and festive periods create delays
❌ Solicitors, valuers and lenders all have timescales

If everyone isn't lined up before you bid, you could find yourself under serious pressure to complete.

My biggest piece of advice?

📑 Read the legal pack.
📑 Understand the special conditions.
📑 Get a solicitor to review anything you're unsure about BEFORE you bid.

The cheapest mistake in property investing is the one you avoid making.

If you're planning to buy at auction this year, drop me a message BEFORE the auction date.

A quick conversation could save you thousands of pounds, prevent a failed completion, and help you understand exactly how much cash you'll need available on auction day.

Have an auction lot in mind already?

Send me the details and I'll happily give you an initial view on the funding options available.

📞 07584 291430
📧 [email protected]

🖥 Desktop vs full RICS valuation — which does your deal need?Lenders use different types of valuations depending on the ...
02/06/2026

🖥 Desktop vs full RICS valuation — which does your deal need?

Lenders use different types of valuations depending on the product, LTV, property type, and their risk appetite.

📌 Desktop Valuation (AVM — Automated Valuation Model)
✅ Uses comparable sold data and algorithms
✅ Fast and low cost (sometimes free)
✅ Used by some lenders for standard BTL remortgages at lower LTVs
⚠️ Not suitable for unusual properties, high LTV, or new purchases

📌 Drive-by / Kerbside Valuation
✅ Surveyor views externally but doesn't enter
✅ Used for lower-risk remortgage cases
⚠️ Not suitable for properties needing internal inspection

📌 Full RICS Surveyor Inspection
✅ Full internal and external inspection
✅ Required for most purchases, bridging, and development finance
✅ Surveyor forms an independent view on value and marketability
📋 Also assesses title, access, planning, and material factors

📌 Red Book Valuation
✅ Formal RICS Red Book compliant report — the gold standard
✅ Required for regulated lending, bridging, and development finance

For most investment purchases and bridge deals, expect a full RICS inspection — budget £500–£1,500+ depending on the property.

Questions about what your deal will need? Ask me 👇

📱 0191 486 2089
📧 [email protected]
🌐 www.advancedfunding.co.uk
💬 https://wa.me/message/EI2WA5RDQB5HN1
📅 https://calendly.com/chrisafs/discovery_call

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

For full disclosure please visit; www.advancedfunding.co.uk

📌 A real transaction. Real timeline. Real result.Earlier this year, a developer came to me with an opportunity — a below...
01/06/2026

📌 A real transaction. Real timeline. Real result.

Earlier this year, a developer came to me with an opportunity — a below-market-value terraced property at auction. 28-day completion window. Property in need of full refurbishment.

The challenge: they'd found the deal 4 days before the auction. No finance in place. No solicitor briefed.

Here's what we did:

Day 1: Call with me — deal assessed, lender shortlisted, DIP issued
Day 2: Valuation instructed (RICS panel surveyor — 48-hour turnaround agreed)
Day 3: Auction — bid won. 10% deposit paid.
Day 4: Full application submitted — deal packaged overnight
Day 6: Valuation report received and approved
Day 7: Dual rep solicitor instructed — searches ordered immediately
Day 9: Legal pack complete, funds drawn, completion confirmed

9 working days from instruction to completion.

The developer completed under the 28-day window. Refurb started the following week. Refinance agreed at exit 6 months later.

Speed is a skill. Experience is a shortcut. The right broker — before you bid — is everything.

Are you going to auction soon? Let's talk before you bid. 👇

👇 Drop me a message or book a call — let's talk about your next deal.
📱 07584 291 430 | 📅 https://calendly.com/chrisafs/discovery_call

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

For full disclosure please visit; www.advancedfunding.co.uk

🚪 The importance of exit strategy in property financeIn property finance — particularly bridging — the exit strategy is ...
01/06/2026

🚪 The importance of exit strategy in property finance

In property finance — particularly bridging — the exit strategy is as important as the deal itself.

Every lender will ask: how are you repaying this loan?

The main exit routes:

🏦 Refinance onto a BTL or commercial mortgage once the property qualifies
🏠 Sale of the property once refurbished (flip strategy)
💼 Sale of another asset to repay the bridge
📈 Development exit — refinance once units are built and tenanted

What makes a strong exit?
✅ Realistic and evidenced valuation at exit
✅ A clear and achievable timeline
✅ A backup plan if the primary exit is delayed
✅ Pre-agreed terms with the long-term lender wherever possible

Weak exits (or vague exits) are one of the main reasons bridging applications stall or get declined. A good broker helps you present a credible, well-structured exit narrative from day one.

I work with clients from initial deal assessment right through to long-term refinance — so the whole journey is joined up.

Let's talk about how your next deal fits together 👇

📱 0191 486 2089
📧 [email protected]
🌐 www.advancedfunding.co.uk
💬 https://wa.me/message/EI2WA5RDQB5HN1
📅 https://calendly.com/chrisafs/discovery_call

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

For full disclosure please visit; www.advancedfunding.co.uk

🔢 Here's the deal model every developer should be running before they commit.ACQUISITION COSTS:— Purchase price— SDLT (d...
30/05/2026

🔢 Here's the deal model every developer should be running before they commit.

ACQUISITION COSTS:
— Purchase price
— SDLT (don't forget the 3% surcharge)
— Acquisition legal fees
— Broker fee
— Arrangement fee (typically 1–2% of loan)

FINANCE COSTS:
— Monthly interest x term (use the full term, not your best case)
— Valuation fee
— Lender legal fees
— Exit fee (if applicable)

DEVELOPMENT COSTS:
— Build/refurb cost (from your contractor — not your estimate)
— Professional fees (architect, structural engineer, planning)
— Contingency — minimum 10%, ideally 15%

EXIT COSTS:
— Agent fee (if selling)
— Sale legal fees
— Exit mortgage arrangement (if refinancing)

THEN ask:
✅ What's my GDV?
✅ What's my total cost?
✅ What's my margin — in £ and as % of GDV?
✅ Does the deal still work if it takes 20% longer and costs 15% more?

If the answer to the last question is no — reconsider.

Want me to run this model with you on your next deal? 👇

📅 Book a free discovery call: https://calendly.com/chrisafs/discovery_call
📱 07584 291 430 | 🌐 www.advancedfunding.co.uk

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

For full disclosure please visit; www.advancedfunding.co.uk

💸 The real cost of bridging finance — how to calculate it properlyBridging rates are quoted monthly — typically 0.55% to...
30/05/2026

💸 The real cost of bridging finance — how to calculate it properly

Bridging rates are quoted monthly — typically 0.55% to 1.2%+ depending on LTV, property type, and lender.

But the monthly rate is just one part of the cost. Here's what to model:

📌 Arrangement fee — typically 1–2% of the loan
📌 Monthly interest — calculated on the loan balance
📌 Exit fee — charged by some lenders (0.5–1.5%)
📌 Valuation fee — RICS surveyor cost
📌 Legal fees — both sides in some cases
📌 Broker fee — if applicable

Example on a £200,000 bridge for 9 months at 0.85%/month:
💰 Monthly interest: £1,700 × 9 = £15,300
💼 2% arrangement: £4,000
🏡 Valuation: £700
⚖️ Legal: £1,200
➡️ Total finance cost: ~£21,200 over 9 months

Always build this into your deal model before committing. And always have a clear, credible exit strategy — bridge lenders will ask for it, and you should have a robust answer.

Want help costing up a bridging deal accurately? Get in touch 👇

📱 0191 486 2089
📧 [email protected]
🌐 www.advancedfunding.co.uk
💬 https://wa.me/message/EI2WA5RDQB5HN1
📅 https://calendly.com/chrisafs/discovery_call

⚠️ Your property may be repossessed if you do not keep up repayments on your mortgage.

For full disclosure please visit; www.advancedfunding.co.uk

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Newcastle Upon Tyne
NE359PF

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