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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.

27/09/2026

🏡 FIRST-TIME BUYERS: COULD A 2.5% DEPOSIT BE ENOUGH?

A new government scheme called Your First Home has been announced for first-time buyers in England.

And the headline is certainly going to get attention…

The scheme is expected to support deposits from just 2.5%. 👀

Based on what has been announced so far, the scheme is expected to include:

✅ First-time buyers in England
✅ New-build homes only
✅ Participating developers
✅ An expected 2.5% buyer deposit
✅ A 20% government-backed equity loan
✅ An initial interest-free period on the equity loan
✅ Household income limits
✅ Local property price caps

So, using a £200,000 property purely as an illustration:

🏠 Purchase price: £200,000
💷 2.5% deposit: £5,000
🏛️ 20% equity loan: £40,000
🏦 Remaining borrowing: £155,000

That would leave the mortgage element at around 77.5% of the purchase price, although the final lending structure and lender requirements have not yet been confirmed.

And this is the important bit…

⚠️ The full scheme rules are not yet available.

We are still waiting for confirmation of things such as:

• Exact household income limits
• Local property price caps
• How long the interest-free period will last
• What charges apply afterwards
• How the equity loan will be repaid
• Which developers will participate
• When applications will open

The final details are expected at the October 2026 Budget.

So while the headline sounds attractive, this will not automatically be the right option for every first-time buyer.

A standard 95% mortgage, Shared Ownership or another first-time buyer route may still be more suitable depending on your circumstances.

📩 FIRST-TIME BUYER?

If you are thinking about buying and want to understand what you could potentially afford now, send me:

✅ Your income
✅ Approximate deposit
✅ Any loans or credit commitments
✅ Rough property price
✅ Whether you are looking at a new build

I can review your position and explain the options currently available, as well as how this scheme may fit once the final rules are published.

📧 [email protected]
📱 07584 291 430

Chris Adlam
Mortgage & Protection Adviser

All mortgages are subject to individual circumstances, lender criteria, affordability assessment and underwriting. Scheme details remain subject to final government confirmation.

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

Advanced Mortgage Solutions North East Limited is an Appointed Representative of HL Partnership Limited, which is authorised and regulated by the Financial Conduct Authority.

11/08/2026

🏠 What is bridging finance — and when does it make sense?

Bridging finance is a short-term loan secured against property, typically used when speed matters or when a longer-term mortgage isn't yet available.

Here's when it works really well:

✅ Buying at auction (you usually have 28 days to complete)
✅ Developer Exits, moving on to your next deal whilst your sale concludes
✅ Refurbishing a property that won't yet qualify for a standard mortgage
✅ Releasing equity quickly from an existing asset

Bridges are typically arranged from 1 to 24 months and can complete in as little as 5–10 working days with the right lender.

Speed and flexibility are the key advantages — but the cost is higher than a standard mortgage, so it's always used as a short-term tool, not a long-term solution.

Curious whether bridging could work for your next deal? Drop me a message or book a call 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 full disclosure please visit; www.advancedfunding.co.uk

09/08/2026

🤝 Why work with a specialist property finance broker?

With so many options available online — and some lenders dealing directly — it's a fair question.

Here's the honest answer:

📋 Access — specialist lenders, including challenger banks and private funds, don't deal directly with the public. A broker is the only route in.

📊 Packaging — a well-packaged application (clear deal narrative, correct documentation, anticipated queries answered upfront) completes faster and gets better terms.

🏦 Lender relationships — knowing which underwriter to call, what a specific lender's appetite is this month, and how to present a complex case is built over years, not days.

💡 Structuring — sometimes the best solution isn't the most obvious one. Knowing when to bridge vs mortgage, when to use a 3rd party charge, or how to structure a portfolio remortgage requires experience across multiple lending scenarios.

⚖️ Compliance and protection — working with an FCA-authorised broker means you have recourse and appropriate protections.

Advanced Funding Solutions has been working with property investors since 2013. We're FCA-authorised, specialist in nature, and we take the time to understand your deal before recommending a solution.

If you're working on a deal — or planning your next one — 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.

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

08/08/2026

📉 What happens when a valuation comes in low?

A down-valuation — where the RICS surveyor values the property below your agreed purchase price — is more common than many investors expect, and it can derail a deal if you're not prepared.

Why do down-valuations happen?
🔸 Lack of comparable evidence in the area
🔸 Surveyor's view of the property condition or marketability
🔸 Overpaying on purchase (it happens)
🔸 Conservation area, lease length, or access issues

What are your options?

✅ Challenge the valuation — if you have comparable evidence the surveyor hasn't considered, a formal challenge can be submitted
✅ Renegotiate with the seller — a down-valuation gives you grounds to revisit the price
✅ Bridge the gap in cash — make up the shortfall between the lender's valuation and the purchase price
✅ Try a different lender — different lenders use different surveyor panels, and a second opinion can produce a different result
✅ Walk away — sometimes the right answer is to protect your capital

I've navigated numerous down-valuation scenarios for clients. The key is acting quickly and knowing your options.

Facing a down-valuation? I can help you work through your next steps 👇

📱 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 disclosure please visit; www.advancedfunding.co.uk

07/08/2026

✅ 5 questions to ask before committing to any property deal

After working with property investors for over a decade, I've noticed the same due diligence gaps come up repeatedly. Here are five questions worth answering before you commit:

1️⃣ What is the realistic, evidenced GDV or market value — and what do the comparables actually show?
Don't rely on an agent's optimistic estimate. Look at sold prices, not asking prices.

2️⃣ Have all the costs been modelled — including finance, tax, and contingency?
Surprises on refurb cost or SDLT can wipe out a deal's margin quickly.

3️⃣ What is the exit — and what's the backup?
A credible, specific exit strategy is non-negotiable. "I'll sell it" isn't a strategy.

4️⃣ Does the finance stack up?
Can you actually get the loan you need, at the terms you're assuming, for this specific property?

5️⃣ What does this deal look like if things take twice as long and cost 15% more?
Stress-test the numbers. Deals that only work on best-case assumptions usually don't.

Getting the finance piece right is where I come in. The other four are just as important — but the right finance makes everything else easier.

Want a second pair of eyes on a deal you're assessing? 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

06/08/2026

🏪 Commercial tenant considerations for semi-commercial investors

When a lender reviews a semi-commercial (mixed-use) property, the commercial tenant is under the microscope — not just the building.

What lenders assess:

👤 Tenant covenant strength — is the tenant financially stable? A national retailer is viewed very differently to a sole trader with no accounts
📋 Lease terms — length of lease, break clauses, rent review provisions
💰 Passing rent vs market rent — is the current rent sustainable, or is the building over-rented?
📍 Location and demand — would the unit let easily if the current tenant left?
🏢 Use class — food & beverage is viewed as higher risk by some lenders vs professional services or retail

✅ Strongest commercial security:
🔸 Institutional tenants (national brands, franchise operators)
🔸 Long unexpired lease terms (10+ years)
🔸 Rent at or below market
🔸 No break clauses in the near term

A weak or short commercial lease can restrict lending options significantly — it's worth understanding how the commercial element affects your deal before you commit to a purchase.

Considering a semi-commercial property? I can help you assess both the asset and the finance 👇

📱 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

05/08/2026

📂 Portfolio landlords — how mortgage lending works differently for you

If you own four or more mortgaged buy-to-let properties, the PRA (Prudential Regulation Authority) classifies you as a "portfolio landlord" — and most lenders treat your application differently as a result.

What changes?

📋 Whole portfolio assessment — lenders will want to see your full portfolio schedule: properties, values, mortgages, rents, voids
📊 Background portfolio stress testing — your existing properties are stress-tested, not just the new one
🏦 Business plan — some lenders want a narrative on your strategy and intentions
💼 Accountancy records — P&L and balance sheet if purchasing in a company

✅ What this means in practice:
🔸 The paperwork is more involved
🔸 Not all lenders will engage with portfolio landlords — specialist lenders and brokers matter more
🔸 A poorly structured portfolio can constrain your ability to borrow further
🔸 A well-structured portfolio opens more doors

I work with portfolio landlords regularly — from the first investment property through to complex multi-asset structures.

Looking to add to your portfolio or restructure your existing borrowing? Let's have a conversation 👇

📱 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

04/08/2026

🔄 Bridging finance for property flips — how to structure the deal

Property flipping — buying at below market value, adding value, then selling — is one of the most common use cases for bridging finance.

Here's how to structure it well:

📌 Know your numbers before you buy:
✅ Purchase price
✅ Refurbishment cost (get quotes, not guesses)
✅ GDV (use comparables, not hope)
✅ All finance costs (arrangement, interest, legal, valuation)
✅ SDLT
✅ Estate agent fees and legal costs on sale
✅ Contingency (10–15% on refurb)

Target a minimum 15–20% net profit margin on the GDV.

📌 Structuring the bridge:
🏦 Bridge covers purchase + potentially refurb costs (some lenders will fund both)
📅 Term should allow time for refurb + agent marketing period + legal completion
🔐 Exit = sale proceeds repay the bridge

⚠️ Common mistakes:
❌ Underestimating refurb costs or timescales
❌ Being overoptimistic on GDV
❌ Not building in enough bridge term

I work with investors on property flips regularly — from deal analysis through to finance completion.

Got a flip in mind? Let's run the numbers 👇

📱 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

03/08/2026

🔍 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

02/08/2026

🌙 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.

━━━━━━━━━━━━━━━━━━━━

⚠️ 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.

━━━━━━━━━━━━━━━━━━━━
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.

Address

The Quadrus
Newcastle Upon Tyne
NE359PF

Telephone

+441914862089

Website

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

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