PEOPLE POWERED PROPERTY FINANCE
Secure your client’s next deal with flexible, tailored lending from a specialist property funder.
WE’RE PARTNERS
Real, honest relationships with real, knowledgeable experts make for better, effi cient deals.
WE’RE FLEXIBLE
Our common-sense approach means we adapt to deliver value for your clients.
WE’RE RESPONSIVE
You’ll get a 24-hour response on all initial enquiries and regular updates throughout.
STRAIGHT FORWARD PROPERTY FINANCE
At Cambridge & Counties Bank, we are specialist property funders who off er straightforward property fi nance solutions for commercial and residential projects, and our deep knowledge of the market and vast experience in shaping tailored loans makes us the ideal choice for your client’s next property deal.
From bridging loans and buy-to-let finance to commercial investments and refurbishment loans, our tailored financing is available for deals starting from £150k. With a commitment to efficient service, quick response times, and a flexible approach, we’ve completed countless deals to help investors and businesses further their goals.
COMPLETE UNDERSTANDING OF THE MARKET
Looking for common sense lending, a human approach to deals, and a responsive team of experts that keeps things moving? You need our Investment Property Finance team.
Led by Marco Brice, our Investment Property Finance team specialises in Investment lending between £150,000 and £500,000, and they know exactly what it takes to make the right deals happen.
Working with our Investment Property Finance team means working with seasoned experts who hold a deep, ever-growing understanding of the market and the industry.
Here’s a little about what you can expect:
We’re partners
Working with the Investment Property Finance team is like having your own team with you. The best deals are built on the strongest relationships, so the team works with total transparency and effective communication to ensure you always know what they’re doing and where you stand.
We’re flexible
Our team utilises a flexible approach to every single deal. Each deal has its own characteristics and nuances, and understanding and adapting to those is key to achieving a result that works for everyone. By assessing each deal on individual merit, the team can fine-tune their approach, using manual underwriting.
Looking for a loan of more than £500,000?
At Cambridge & Counties Bank, we can provide financing for deals up to £15m. Visit ccbank.co.uk/bc25 for more information.
We’re responsive
A 24-hour response time on every initial enquiry. That’s how it should be, and that’s how it is with our Investment Property Finance team; no valuable time spent waiting around for a response, just quick decisions when you need them, so things can keep moving.
We’re efficient
When there’s a deal to be made, there’s no time to waste, and unnecessary admin or convoluted communication channels can get in the way of sealing the perfect outcome. That’s why the Investment Property Finance team takes the route they need to get the deal over the line; sometimes that needs technology, and sometimes a simple phone call will do.
Relationship manager
You’ll have your own dedicated Relationship Manager with a clear understanding of every facet of your client’s circumstances and their desired deal. It’s this customer-first approach that leads to better, more efficient deals for your client, without any box-ticking or templating.
Get to know your Investment Property Finance experts a little better.
Marco Brice, Head of Direct Business Unit 07736 278 769 marco.brice@ccbank.co.uk
With 10+ years of experience at Cambridge & Counties Bank, Marco specialises in deals ranging from £150,000 – £500,000, using his expert knowledge of deal structuring to shape the perfect solutions for brokers and their customers.
Karen Lawal, Lending Service Officer 0116 216 7891 karen.lawal@ccbank.co.uk
Karen has more than eight years of experience in property finance, and during her career she has structured deals of all shapes and sizes, from residential refurbs to major commercial projects.
With her keen eye for value, her commitment to building real relationships, and her ability to get deals over the line, Karen is ready and waiting to help your client take their next step.
Jenny Robinson, Portfolio Manager 07483 059 060 jenny.robinson@ccbank.co.uk
As a Relationship Manager, Jenny uses her vast knowledge of the market and her customer-first approach to facilitate deals up to £500,000.
Whilst the team specialises in loans between £150,000 and £500,000, Cambridge & Counties Bank can deliver tailored solutions up to £15m. Visit ccbank.co.uk/bc25 to learn more.
Sally Martin, Relationship Manager 0116 402 6792 sally.martin@ccbank.co.uk
Sally knows what it takes to secure the right deal for customers; she’s been doing it for more than 10 years, specialising in deals worth over £300,000.
DEALS DONE
From major commercial projects to refurbishment loans, here’s a range of our most recent deals.
No box-ticking here, our Property Finance Teams apply a customer-fi rst, common sense-based approach that takes every deal for what it is: unique.
Take a look at some of the deals they’ve completed over the years; your client’s dream project could be next.
Loan type: Commercial
Loan amount: £1.25m
Wedding venue
£1.25m equity release on another stunning wedding venue. This time based in Cumbria.
Funds will allow our client to accelerate planned developments to the venue so she can offer even better facilities to her happy couples.
Residential
Loan type: Block of Residential Flats
Loan amount: £490k
This transaction was executed with speed and precision to meet the client’s deadline and capital requirements.
This refinancing allowed the client to release equity from a stable, income-generating asset, providing funds for further acquisitions.
Commercial
Loan type: Small Commercial Units
Loan amount: £500k
This well-located, multi-let property comprising 13 units deal was completed under a mixed lease structure.
The property benefits from a diverse tenant base of established local covenants, providing stable rental income. The refinance enabled the client to release capital for reinvestment, while optimising debt structure to support long-term portfolio growth.
Loan type: Hotel
Loan amount: £3.5m
We supported an experienced operator in acquiring a spectacular new wedding venue by releasing equity from their existing site and providing additional funds for the purchase.
WHAT OUR BROKERS SAY ABOUT US
The team is very proud to have a wide base of customers and brokers, past and present, who have trusted them to complete crucial deals for them time and again. Here’s what their brokers think of their work:
So, anything but an easy one, but thanks to Cambridge & Counties Bank’s pragmatism, understanding and ‘story book’ lending approach, we finally got it over the line.
Huge thanks to Simon Steer for always being available to take a call and submitting detailed and timely rational to his Underwriting Team as to why they should support.
before – Lewis
I’ve never experienced such professionalism before—Lewis made things happen from start to finish.
I cannot recommend Simon and Cambridge & Counties Bank enough.
- Chris Thomas
– Chris Thomas
FC Funding
– Brian Snape Synergy Finance
It has been a pleasure working with Paul Howard at Cambridge & Counties Bank. He is an excellent ambassador of Cambridge & Counties Bank. Paul is a seasoned Property & Estate finance professional with 25+ years experience in estate, corporate and commercial banking and this is evident from his polished approach. In my dealing with him he was extremely professional, pragmatic, efficient and worked hard with me and the client to meet tight deadlines. During the process there were quite a few challenges, but he excelled to overcome them to close the deal. I look forward to working with Paul and Cambridge & Counties Bank on future projects soon.
– Wasim Ahmed Trade & Merchant Finance Brokerage
Your efforts and attitude to help get this over the line have been nothing short of outstanding. This is what sets Cambridge & Counties Bank apart from the numerous other lenders we encounter.
– Stuart Oldfield Platinum Money Ltd
KEY CRITERIA GUIDE
Minimum Income
Aff ordability
None.
However an assessment will be made of the applicants ability to meet their personal commitments
Gross rent to cover payments by the following ratios Debt Servicing calculation
Serviceability is based on the Gross loan amount.
Where lending on a repayment basis, the serviceability test will assume the maximum product term.
The above debt servicing calculations are to be used as a guide only, additional stress test calculations will be undertaken that may impact the maximum loan amount. Other lending criteria and terms and conditions apply.
* Cambridge & Counties Bank Limited is the insured party, please refer to the Facility Letter for further information where applicable.
Freehold and Leasehold with 40 years remaining at the end of the mortgage term
and Leasehold with 70 years remaining at the end of the mortgage term
For lending between £150,000 and £500,000, here’s our
FIVE-STEP GUARANTEE
No matter what the deal, no matter who the broker or the client, our team follows a five-step process to make sure they reach the perfect outcome. Here’s what you and your client can expect when you work with the team:
Get in touch with us via email, phone, or the Application Form on our website, providing as much detail as you can, including your
preferred borrowing structure, loan amount, rental income, asset type, and your experience level. One of our team will get back to you within 24 hours.
Submit
Discuss 1 2
The team needs a range of documentation to get things moving:
– A completed application form
– Up-to-date Assets
Liabilities Income and Expenditure details for all interested parties
– Last three months’ business and personal bank statements for all interested parties
– Up-to-date property portfolio schedules for all interested parties
– Last three years of financial accounts (if applicable)
– Confirmation of any outstanding mortgage balances (if applicable)
– Tenancy schedule (if applicable)
3
Decision and formal Facility Letter
Now that the team has the required information, they’ll review it and get in touch with their decision.
If the team presents you with an offer, you can be absolutely sure that it’s carefully considered according to your client’s needs and circumstances, and they’ll be confident of delivering the conditions attached.
They’ll also send through a Credit-Backed Facility Letter –this must be accepted within 30 days, and it’s valid for 90 days.
You’ll be guided through Cambridge & Counties Bank’s onboarding requirements, which helps us comply with our account opening obligations.
4
Instruction
Once your signed Facility Letter has been received and you’ve paid the valuation fee, the team will instruct trusted solicitors and valuers.
Completion
5
From here, you and your client will have your own, dedicated point of contact.
The information has been received, and the customer onboarding process has been completed.
Once we have all outstanding information, including customer onboarding, we will send the funds to the solicitors. Your client will then be introduced to their Relationship team for
further support. Your commission will be paid a maximum of 10 days after receipt of invoice and confirmation that the deal is drawn down. We’ll also pay commission for any further introductions.
Marco Brice, Head of Direct Business Unit 07736 278 769
marco.brice@ccbank.co.uk
Karen Lawal, Lending Service Officer 0116 216 7891
karen.lawal@ccbank.co.uk
Jenny Robinson, Portfolio Manager 07483 059 060
jenny.robinson@ccbank.co.uk
Sally Martin, Relationship Manager 0116 402 6792
sally.martin@ccbank.co.uk