Advanced Funding Solutions

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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.

23/06/2026

💡 What is a deal really worth? Understanding your true cash-on-cash return

ROI tells you one thing. Cash-on-cash return tells you something more useful.

Cash-on-cash return focuses purely on the cash you've actually put in versus the cash coming back:

✅ Cash-on-Cash = Annual Cash Flow ÷ Total Cash Invested × 100

Why does this matter?

Two deals can have the same asset value but very different cash requirements — the one where you've deployed less of your own money may deliver a far superior cash-on-cash return, even if the absolute profit is similar.

Example:
🏠 Deal A: £60k cash in, £5,000/year net profit = 8.3% cash-on-cash
🏠 Deal B: £30k cash in (better structured finance), £4,200/year net profit = 14% cash-on-cash

Deal B wins on capital efficiency — even though Deal A generates more absolute income.

This is why deal structuring — including how you finance it — is just as important as the asset itself.

Want to stress-test the numbers on a deal you're looking at? 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

22/06/2026

🏪 What is a semi-commercial mortgage?

A semi-commercial (or mixed-use) property has both a commercial and residential element — the classic example is a shop with a flat above.

These don't fit neatly into residential BTL or full commercial mortgage categories — they need their own specialist product.

Key points:

📌 Assessed on both the commercial and residential income streams
📌 Typically 65–75% LTV
📌 Commercial element influences the rate and lender appetite — food & beverage, retail, office, etc. all assessed differently
📌 The proportion of commercial vs residential floorspace matters
📌 Some lenders prefer the residential income to be dominant

Why invest in semi-commercial?
✅ Often overlooked by standard BTL investors = less competition
✅ Mixed income streams can provide resilience
✅ Potential for asset management — change of use, development upside

The lending landscape here is genuinely specialist — not all brokers have access to the right lenders or the experience to package the case correctly.

Considering a mixed-use purchase or refinance? 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

19/06/2026

🔗 Using a 3rd party charge on a bridging loan

One of the most powerful (and underused) tools in property finance is the 3rd party charge.

Here's the concept:

Instead of relying solely on the property you're purchasing as security, you allow the lender to take a charge on another property you already own.

Why would you do this?

✅ Reduces the effective LTV on the new purchase — making the deal fundable
✅ Can unlock higher LTV bridging where the purchase alone wouldn't qualify
✅ Allows you to use existing equity rather than cash deposits
✅ Useful when buying below market value where the valuation doesn't support a high LTV bridge on its own

Example:
🏠 You're buying a £150,000 property and want 100% of the purchase price
🏡 You own another property with £100,000+ of equity
🔐 Lender takes a 1st or 2nd charge on both properties
✅ Deal completed without additional cash input

This approach requires careful structuring — the encumbered property needs to support the additional charge, and lenders will assess both assets.

Interested in how this could work for your next deal? Let's speak 👇

📱 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

18/06/2026

📐 Understanding DSCR — the number lenders care about most

Debt Service Coverage Ratio (DSCR) is the metric many specialist mortgage lenders use to assess affordability on investment properties.

In simple terms:
✅ DSCR = Annual Rental Income ÷ Annual Mortgage Payments

A DSCR of 1.0 means your rent exactly covers your mortgage. Most lenders want to see:
📌 1.25x at standard rates (i.e. rent covers 125% of the mortgage payment)
📌 Some lenders stress test at a higher notional rate (e.g. 5.5%) regardless of the actual product rate

Example:
🏠 Loan: £200,000 at 6% interest only = £12,000/year
📬 Rent: £16,000/year
✅ DSCR = 1.33 — passes most lender criteria

On HMOs and commercial properties, lenders may also consider room rates or EBITDA rather than gross rent.

If your rental income is tight relative to the loan size, there are lenders who stress at lower rates — or who consider personal income as a top-up. I can help identify the right fit.

Want to check if a deal stacks up? Get in touch 👇

📱 07584 291 430
📧 [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. Advanced Funding Solutions is a trading name of Adlam Financial Ltd, which is authorised and regulated by the Financial Conduct Authority.

17/06/2026

🏢 What is a MUFB mortgage and who needs one?

A Multi-Unit Freehold Block (MUFB) is a single freehold property containing multiple self-contained residential units — think a converted house with four flats, all within one title.

This is distinct from:
🔸 Leasehold flats (individual titles)
🔸 HMOs (shared facilities, single tenancy)

MUFB mortgages are a specialist product because:

✅ There's no standard BTL product — lenders assess them differently
✅ Income is assessed across all units collectively
✅ Some lenders cap the number of units they'll consider
✅ The property must be fully self-contained per unit
✅ Planning use and building regulations compliance matter

The yields on MUFBs can be excellent — one title, multiple income streams, no service charges eating into your returns.

LTV is typically 70–75% with a handful of specialist lenders active in this space.

Planning to acquire or refinance a MUFB? I can help navigate the right lender 👇

📱 07584 291 430
📧 [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. Advanced Funding Solutions is a trading name of Adlam Financial Ltd, which is authorised and regulated by the Financial Conduct Authority.

16/06/2026

🏡 The different types of property valuations explained

Not all valuations are the same — and using the wrong figure in your calculations can seriously distort a deal.

Here are the main types:

📌 Market Value (MV) — what a property should sell for on the open market in a reasonable timeframe

📌 180-Day Value — a forced-sale estimate; what you'd achieve if you had to sell within 6 months. Lenders often use this as a more conservative security figure.

📌 Gross Development Value (GDV) — the projected value of a property once development or refurbishment is complete. Crucial for bridging and development finance.

📌 Reinstatement Value — used for insurance purposes; the cost to rebuild, not the market value.

📌 Desktop Valuation — a remote assessment using comparable sales data, often used for lower-risk cases or remortgages.

📌 RICS Surveyor's Report — a full inspection and valuation, required by most lenders for purchase or development.

Knowing which figure your lender is using — and why — is critical to understanding your loan offer.

Questions about how a valuation will affect your deal? Message 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. Advanced Funding Solutions is a trading name of Adlam Financial Ltd, which is authorised and regulated by the Financial Conduct Authority.

15/06/2026

🔑 Low deposit bridging — what's possible?

One of the questions I get asked most is: "Can I bridge with a small deposit?"

The answer is — it depends, but there are more options than many people realise.

Standard bridging typically sits at:
📌 70–75% LTV (meaning you need 25–30% deposit or equity)

But there are routes to higher LTV bridging:

🏠 Using a 3rd party charge — a charge on another property you own can reduce the security required on the purchase
🤝 Joint security arrangements — cross-charging multiple assets
📈 Strong exit strategy — some lenders will stretch LTV where the exit is compelling
💼 Experienced borrowers with track record

In some cases, it's possible to approach 100% of the purchase price when the security stack is structured correctly — this is what's sometimes called "no money down" bridging, though it requires careful planning.

Every case is different. If you're looking at a deal and wondering how to structure the finance, let's have a conversation 👇

📱 07584 291 430
📧 [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 disclaimer please visit; www.advancedfunding.co.uk

14/06/2026

📊 How to calculate your ROI on a property deal

Return on Investment (ROI) is one of the most fundamental metrics for any property investor. Here's how it works:

💡 The basic formula:
ROI = (Annual Net Profit ÷ Total Cash Invested) × 100

Example:
🏠 Property purchased for £150,000
💳 Deposit: £37,500 (25%)
🔧 Refurb + fees: £15,000
💰 Total cash in: £52,500

📬 Monthly rent: £850
💸 Mortgage payment: £450
📉 Running costs (insurance, mgmt, voids): £120
➡️ Net monthly profit: £280
➡️ Annual net profit: £3,360

✅ ROI = £3,360 ÷ £52,500 × 100 = 6.4%

Capital appreciation, tax position, and leverage all affect the real-world picture — but this formula gives you a solid starting point for comparing deals.

Want me to run the numbers on a deal you're considering? Message me below 👇

📱 07584 291 430
📧 [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 a full disclaimer, see here www.advancedfunding.co.uk

13/06/2026

🏘 HMO mortgages — what makes them different?

A House in Multiple Occupation (HMO) is a property let to three or more tenants from different households who share facilities.

From a mortgage perspective, HMOs are assessed differently to standard buy-to-lets:

📋 Lenders want to see the correct HMO licence (mandatory for larger HMOs)
📊 Rental income is often assessed on a per-room basis, which can actually improve affordability
🏦 There are fewer lenders active in this space — specialist advice matters
💼 Experience requirements apply — some lenders want proof you've operated an HMO before
📐 Some lenders cap the number of rooms they'll lend against

LTVs can typically reach 75–80%, with stress testing based on rental income vs mortgage payment.

HMOs can offer significantly better yields than standard BTL — but the finance, licensing, and compliance requirements need careful navigation.

Thinking about your first (or next) HMO? Let's talk 👇

📱 07584 291 430
📧 [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. Advanced Funding Solutions is a trading name of Adlam Financial Ltd, which is authorised and regulated by the Financial Conduct Authority.

12/06/2026

🔄 How the BRR strategy works in property

Buy, Refurbish, Refinance (BRR) is one of the most popular strategies for building a property portfolio without endlessly tying up your capital.

Here's the basic cycle:

1️⃣ Buy — purchase a below-market or unmortgageable property (often using bridging)
2️⃣ Refurbish — add value through renovation
3️⃣ Refinance — remortgage at the new, higher value
4️⃣ Recycle — use the equity released to fund your next deal

Example:
🏚 Buy for £120,000 using a bridge
🔨 Spend £30,000 on refurb
🏡 Property valued at £200,000
💰 Refinance at 75% LTV = £150,000 mortgage
🎉 £150k covers your original costs + leaves equity in the deal

The key is understanding your end value (GDV) accurately before you start — and having the right finance in place at both stages.

Want help structuring a BRR deal? 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. Advanced Funding Solutions is a trading name of Adlam Financial Ltd, which is authorised and regulated by the Financial Conduct Authority.

Address

The Quadrus
Newcastle Upon Tyne
NE359PF

Telephone

+441914862089

Website

http://www.advancedfunding.co.uk/

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