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CFS Property Finance, Oxford (2026)

05/05/2024

That first pic is of a Cafe in Iglington Road in Glasgow.
I was on a Sunday morning walkabout, I think I walked 10km that morning. I popped in for a coffee and ended up staying for 2 hours, firstly talking to some punters and then the owner, taking for ages, exchanging life stories and putting the world to rights…..how often does that happen these days.

Unfortunately the last few times I’ve been past it’s been closed down, hopefully not a casualty of the pandemic and or cost of living.

It’s so easy to go to places and do what you’re there for and go. And if we visit places it’s the nice shiny places we visit.

For years where I/we go, I like to walk the area and if it’s a regular destination, I’ll walk as many different areas as possible to get to know the area.

Great thing about Scotland and Glasgow in particular is that everyone is so welcoming and approachable.

24/04/2024

Completed …purchase of large country house with outbuildings and 65 acres of land with agricultural ties and forests in the Cotswolds.

The property was in a state of disrepair and we had it valued at £1.4m but our client negotiated a pp of £1m.

We provided a bridge @ 70% ltv.

Our client is a local investor/farmer will update the main house and easily sell it for more than £1.5m and pay off the bridge

Then he will look to get planning on the outbuildings and barns and create and additional 3 or 4 large detached 4 bed houses with several acres each and paddocks and sell them off

A brilliant deal for the client and a really good buy with lots of potential.

28/02/2023

✅Fast and flexible funding for all occasions!

✅ Refurb and Conversion loans

✅ Development Loans

✅Bridging Loans

31/12/2022

Happy New Year🎉🎊🎈

We hope you had a great 2022 and hope you have an even better 2023.

Thanks to all our clients and business partners, lenders, solicitors and everyone who helped us this year.

Here is a small selection of loans we completed this year…..

Development loans for ground up builds.

Refurb and conversion loans for HMO conversions, extensions, light refurbs, commercial to resi conversion’s.

Bridging loans for auction purchases.

We were able to complete bespoke funding packages using a combo of commercial lending and private money this year and will have a lot more fast and flexible funding to options for 2023.

Our lenders are well funded and want to lend so we can help fund your projects for the coming year.

Have a great New Year holiday and we look forward to talking to you in 2023

Saleem & everyone @ CFS

01/12/2022

Though we have lenders who offer NO valuation bridging, refurb and development loans, in some instances we need to use a lender that requires a full RiCS valuation.

Costs vary but it just adds a further cost to your project.

So, for any new enquiries received from 2nd of December, tomorrow, until the end of January 2023 we will offer a 50% discount on your valuation.

In some instances and subject to the project we may be able to offer a FREE valuation.

Contact us now if you need……

A bridging loan for a purchase.

A 2nd charge loan on existing property to raise capital.

A refurb or conversion loan for your next project

A development loan for your next build project.

A development exit loan to pay off your existing lender.

Or just call us to discuss discuss all funding options we offer and how we can help you in the future.

19/10/2022

Our lenders are still lending!!!

We have access to privately funded lenders who will not...

❌ Raise rates now or during your loan term

❌ Pull out of deals once terms have been issued

❌ Stop lending altogether to 're-assess, re-price & re-group' ...blah blah blah

So you can have acess to funds & take advantage of oppitunities in the current market.

Message us now to see how we can fund your next project.

04/10/2022

🔥 COMPLETED YESTERDAY 🔥

'U-turn if you want to.. our clients are NOT for turning'

Amongst all this drama & U-turning our clients are getting on with it!

Loan completed yesterday for one of our experienced clients.

The project -

Purchase of a detached house requiring a full refurb plus a loft conversion & rear extension under PDR.

We arranged -

75% net for the purchase.

100% of the cost of works.

Message us now to see how we can help fund your next project!

06/09/2022

What's a development loan & how does it work?

Development lenders will lend you up to a certain LTV to buy a site/property & also you provide with funds to cover 100% of the work.

We can arrange up to 75% of rhe PP & 100% of the works.

The funds to cover the work is a facility the lender will put in place for you or your contractor to drawdown on as & when needed depending on your build schedule & funding requirments.

Do you need to make monthly payments?

No, the interest for the loan is rolled up & paid at the end when you sell or refinance the units.

What kind of projects can be funded?

Anything from ground up new build houses & apartments to commercial to residential conversions & any project that requires structural work, so extensions, loft conversions, change of use & HMO conversions. We can fund almost any project that requires work.

Do clients have to be experienced?

No, we have lenders that will lend to clients with no experience.

Below is a section of clients we have funded this year.

Contractors & Builders
Many tradesmen
Experienced property investors
Architects & QS'
Project managers
Surveyors
Estate agents
4 property mentors & educators
3 solicitors
2 mortgage brokers
A taxi driver
An A&E consultant
A teacher
Several accountants
A shop keeper
A pensioner
Caravan park owner
A household name I can't mention

What do our lenders look for?

Does the project stack up & make commercial sense?

Can the client deliver the project via their own experience or do they have a contractor/builder who knows what they're doing?

What's the clients exit, ie how do we get our money back?

What to do if you have a project that requires funding?

Message us to book a call.

30/08/2022

💥💥 COMPLETED 4 DAYS AGO 💥💥

The purchase of a BTL Property that the cllient was in danger of losing.

4 months from having their offer accepted they still had'nt completed...

Why?

They were part of a chain that had collapsed twice.

Their solicitor was useless.

Their mortgage company was the same.

The client did not want to lose their property... why?

They were getting a good price & it had loads of potential as it sits on a sizable plot so they could get planning for another house in the small garden ...

How did we help?

Using a 75% LTV bridging loan, we completed in 3 weeks.

Our client buys the BTL...

Vendor uses the funds to complete on their new purchase...

The vendor vendor can now use their funds to move abroad...

The chain is in tact & completes all the way down the line & everyone is happy.

In these uncertain times, property investors need speed & certainty of funds. The short term lending market stepped in after 2008 when the mortgage market froze...

Niw the market is changing & the short term lenders are still here to ensure you have access to funds to take advantage of all the new oppitunities that arise.

Conctact us now to fund out more..

24/08/2022

Fast & flexible development loans.

We have a panel of private lenders & investors looking to fund refurb, conversion & ground up projects.

What's the advantage of private money?

✅ Speed & flexibility of decision making because you're not dealing with with layers of sales or underwriting staff, normally it's one person.

✅ No valuations in most instances.

✅ No QS reports in most instances.

✅ Common sense approach to lending.

Here's a list of projects that we have funded recently with private money:

✅ 7 bed HMO conversion

✅ Ground up build of 6 bungalows

✅ Ground up buid of 4 flats

✅ Ground up build of 1 unit

✅ Office conversion to 12 apartments

✅ Purchase & refurb of a large house

✅ Conversion of hotel into 8 apartments

Contact us now to find out more...

19/08/2022

💥💥 COMPLETED YESTERDAY 💥💥

A simple refurb flip for our client who is an electrical contractor but carries out his own projects on the side.

We used a private lender so...

No valuations

No QS reports

No application forms

Just a site visit by the lender & legals instructed by the next day & guess what...

We completed in 3 weeks.

I always get asked, how can you get some deals completed quickly?

3 things...

Right lender

Lenders solicitors to be good

& most importantly & fustratingly the clients solicitor needs to know his arse from his elbow!!

Deals usually get delayed when...

Clients solicitors don't know what they are doing

Don't like responding or giviing updates

Spends more time bitching about the questions the lender is asking for rather than actually getting on with replying & sorting replies

Blames everyone else for the delays

Pi**es off on holiday without telling anyone or not putting someone on the file & letting my client, myself & lenders solicitors know who is working on the file on their behalf during their absence

Saying they have replied to a lenders enquiries or are working on the file when in reality they have done jack s**t

Quoting a client a fee then upping it because they realised they have to actually pull their fingers out of their behinds & actually do some work on this particular deal

Setting stupid dates for exchanges & long completion dates because they can't be bothered getting the deal done sooner... & sometimes it's literally just a bridge not a mortgage!

This list could go on but i'm sure you all could add to this long list of why most, not all... but why most solicitors are terrible, overpaid, useless, lazy s**tes...

I have 3 solicitors that I have worked with that I trust with my personal deals as well as my clients, always looking to add to that list but bloody hell it's a slow progress...

Enough whinging about solicitors...

A great completion for a great client using a fast private lender supported by 2 amazing solicitors... a good result all around!!

16/08/2022

Another succesful exit for one of our refurb loans.

We arranged a refurb loan for the property which our client bought in auction.

Purchase price was 200k

Refurb including rear extension under PD was 70k

The expected GDV came to 435k

We were able to fund 70% of the purchase price & 100% of the refurb costs with a refurb loan.

On the refinance, the valuation came in slightly under the predicted GDV of 435k & at 75% LTV the mortgage paid off the refurb loan with some spare change left over to put into the next project which is already in legals with another refurb loan from CFS.

Contact us now to find out how we can help fund your next project.

CFS Property Finance

05/05/2024

24/04/2024

28/02/2023

31/12/2022

01/12/2022

19/10/2022

04/10/2022

06/09/2022

30/08/2022

24/08/2022

19/08/2022

16/08/2022

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