Bridging · Development · Commercial · Buy-to-Let
High-value bridging loans, development finance and portfolio buy-to-let for serious property investors. The complex, seven-figure deals other brokers decline are the ones we complete. Indicative terms typically within 24 hours.
What we arrange
One broker, a wide range of finance providers, from high street banks to specialist and private lenders. Tell us the deal and we will find the funding, including the deals that do not fit the tick boxes.
Fast, flexible short-term finance for purchases, auction deadlines, chain breaks, heavy refurbishment and capital raising. First and second charge, single assets or cross-charged portfolios, from six figures to well into seven. Terms typically in 24 hours, completion in days when it matters.
Get bridging terms todayGround-up developments, conversions and heavy refurbishment. Funding for up to 90% of total costs, staged drawdowns and mezzanine top-ups. We package your appraisal, schedule of works and exit so lenders say yes first time, and we line up the next facility before this one completes.
Fund your next schemeOwner-occupier and investment commercial mortgages for offices, retail, industrial and leisure. Trading businesses, SPVs and complex group structures all welcome. Competitive terms from high street banks through to specialist lenders.
Compare commercial ratesPortfolio landlords, limited company BTL and expat investors. We handle stress-testing, top-slicing and portfolio schedules so your application lands clean, whether it is one property or fifty. Portfolio-wide refinances structured to release capital for the next acquisition.
Restructure your portfolioHMO mortgages, MUFB finance and BRR refinances built around real end values. Article 4 areas, sui generis HMOs, student lets and serviced accommodation. This is our specialist wedge and where declined deals get done.
Fund your HMOMixed-use property finance for shops with flats above, guest houses and part-commercial investments. We know which lenders price semi-commercial sensibly and which will treat it as fully commercial, and we place accordingly.
Get semi-commercial termsUnsecured and secured business loans, asset finance, invoice finance and working capital facilities. Growth funding, tax bills, stock purchases or acquisitions, arranged quickly with minimal disruption to your trading.
Raise business financeBridging built for the auction clock. Terms before you bid, completion inside the contractual deadline, and funding for the unmortgageable lots that fill auction catalogues: no kitchen, short lease, sitting tenants, structural work.
Beat the hammerThe Growth Guarantee Scheme, regional investment funds and other government-backed routes most business owners have never heard of, explained honestly and arranged through accredited lenders where they fit.
See what you're missingAll figures quoted are indicative, for UK incorporated businesses only and subject to credit underwriting.
No handoffs, no juniors. High-value and complex deals are packaged and placed personally by the founder. Book a call and get a straight answer today.
Student property finance
Student HMOs can produce significantly higher rental yields than single lets, and they can be among the hardest properties to finance without the right broker. We arrange student HMO mortgages, multi-unit block finance, purpose-built student accommodation funding and bridging for student property conversions, including Article 4 areas and sui generis HMOs of seven beds and above.
Purchase and refinance of licensed student HMOs, valued on investment or bricks and mortar basis depending on which gets you the better result. Limited company and SPV borrowing as standard.
Fund a student HMOBuy, refurbish, refinance. Bridging to acquire and convert properties to student HMOs, with the exit onto a term mortgage lined up before you complete the purchase.
Plan a BRR dealDevelopment finance and investment mortgages for purpose-built student accommodation and multi-unit freehold blocks near campus, from six beds to full developments.
Discuss a PBSA schemeAberdeen · Bath · Belfast · Birmingham · Bournemouth · Bradford · Brighton · Bristol · Cambridge · Canterbury · Cardiff · Chester · Coventry · Derby · Dundee · Durham · Edinburgh · Exeter · Glasgow · Huddersfield · Hull · Lancaster · Leeds · Leicester · Lincoln · Liverpool · London · Loughborough · Luton · Manchester · Middlesbrough · Newcastle upon Tyne · Northampton · Norwich · Nottingham · Oxford · Plymouth · Portsmouth · Preston · Reading · Sheffield · Southampton · Stirling · Stoke-on-Trent · Sunderland · Swansea · Wolverhampton · York
Your town not listed? We cover the whole of the UK. Send us the deal.
Contractor & workforce accommodation
The UK's major infrastructure projects need tens of thousands of workers housed for years at a time, and well-located contractor accommodation can achieve significantly higher rents than a standard single let. We arrange bridging, refurbishment finance and serviced accommodation mortgages for contractor accommodation, and we have completed funding for serviced accommodation serving Hinkley Point C.
Bridgwater, Taunton and the surrounding area. Serviced accommodation and HMO finance for landlords housing the nuclear workforce, plus the Agratas gigafactory nearby. We have already funded deals here.
Fund a Hinkley Point C propertyLeiston, Saxmundham, Aldeburgh and the east Suffolk corridor. The workforce build-up is under way and accommodation demand will run for a decade. Get positioned early with the right funding structure.
Discuss a Sizewell C dealBirmingham, Solihull and station-adjacent towns. Contractor accommodation, serviced apartments and HMO conversions serving one of Europe's largest construction workforces.
Fund an HS2 corridor propertyTeesworks, the Teesside Freeport, Net Zero Teesside and offshore wind at Blyth. Our home patch. We know the towns, the values and the lenders who will fund workforce accommodation here.
Talk TeessideBarrow-in-Furness is absorbing a generational shipbuilding workforce for the Dreadnought and AUKUS submarine programmes. Serviced accommodation and HMO funding for landlords serving BAE contractors.
Fund a Barrow propertyGigafactories, freeports, energy schemes, data centres and film studios. If a project is bringing thousands of workers to a town, we can help you fund the accommodation they will need.
Tell us your projectWe structure facilities so the funding for the next site is agreed while the current one is still on the tools. Tell us what is in the pipeline.
Why Advanced Funding Solutions
Since December 2013 I have completed more than 2,400 deals, and most of them had something about them that made another broker or lender walk away. That is not an accident. It is the business model.
Who you'll be dealing with
I set up Advanced Funding Solutions in December 2013, and since then I have arranged more than 2,400 completed deals for property investors, developers and business owners across the UK.
I still personally package and place every deal the firm takes on. When you call, WhatsApp or book in, you are dealing with me from the first conversation to completion: no handoffs, no juniors, no call centre.
The work I enjoy most is the deal somebody else has already declined. In my experience a decline is usually a packaging problem rather than a deal problem, and fixing that is what I have built the firm on.
I am based in the North East and arrange funding across the whole of the UK.
Client words, not ours
"I entered property investing as a complete beginner, and working with Chris has been one of the most valuable decisions of my journey. He explains everything clearly, delivers on his promises, and if a deal is not worth my time or money he will tell me, even if it means turning away business. Thanks to his guidance I bought three buy-to-let properties in under twelve months, which I never would have believed possible."
Chantelle Cooke, Property Investor
"Our first ever investment and auction purchase, with no prior experience: an 1800s property that had been empty for 23 years, against a very tight deadline. Chris arranged the purchase and refurbishment funding in record time, then helped us navigate an unusual Land Registry obstacle on exit, liaising with multiple professionals on our behalf. What could have been incredibly stressful felt like an absolute breeze, and we exited onto a BTL product with a better rate than we thought possible."
Louise Sheppard, Frederick Clobus Properties Ltd
"Our first buy-to-let was an auction purchase with strict completion deadlines. When we hit a hiccup along the way, Chris acted quickly and escalated where necessary, and we completed within the auction deadline without losing the property or the fees we had committed. Professional, proactive, knowledgeable and reassuring throughout."
Carla & Paul Watson, CAP Properties & Developments Ltd
All testimonials are published with the client's written permission. You can read 30+ independent client reviews on our Bark profile.
How it works
Send an enquiry below, WhatsApp us or book a call. Five minutes is enough to know whether we can help.
We approach our panel of lenders and come back with indicative terms, honest numbers and a clear plan.
Application, valuation and legals handled and chased. You carry on running your business while we run the deal.
Funds drawn, deal done. Then we diarise your exit or refinance so the next step is already planned.
Free investor tools
Two free calculators, no email address required. Stack a deal or stress-test a rental in minutes, then send us the numbers if you want a second pair of eyes.
Stack a bridging or BRR deal end to end: purchase, works, finance costs and exit, so you can see whether the numbers work before you commit to anything.
Open the Deal StackerCheck what a rental figure supports in borrowing under typical stress tests, and what your cashflow looks like after finance, before a lender does it for you.
Open the Rental CalculatorCalculator outputs are illustrations only, indicative, for UK incorporated businesses and subject to credit underwriting. They are not a quotation, a lending decision or advice.
Talk to us today
Pick a time that suits you and it goes straight into Chris's calendar. No back and forth.
Choose a timeQuickest way to a yes or no. Send the headline numbers and we will reply the same working day.
Message on WhatsAppGive us the detail and we will come back with indicative terms, typically within 24 hours.
Start your enquiryBook a call
A 15 to 30 minute call is usually enough to tell you whether the deal works, what it will cost and how fast it can complete.
Bridging & specialist finance enquiry
The more you can tell us, the more accurate your indicative terms will be. Two minutes is all it takes.
Frequently asked questions
Straightforward deals can complete in 5 to 10 working days. Most complete within 2 to 4 weeks. The biggest factors are how quickly the valuation can be booked and how responsive the solicitors are. We typically have indicative terms back to you within 24 hours of your enquiry.
Yes. Most of our clients borrow through SPV limited companies. We arrange bridging, development finance and buy-to-let mortgages for SPVs, trading companies and complex group structures every week. Personal guarantees are normally required from the directors.
Often, yes. Complex deals are our specialism: heavy refurbishment, HMO conversions, title splits, adverse credit, unusual security and tight deadlines. In our experience a decline elsewhere is usually a packaging problem, not a deal problem. Send it over and we will give you an honest answer quickly.
Typically up to 75% loan to value on a standard bridge, and up to 100% of the purchase price where additional security is available. Development finance can fund up to 90% of total costs depending on the scheme and your experience. On buy-to-let and commercial mortgages, the maximum loan is driven by rental income and affordability. All figures are indicative, for UK incorporated businesses only and subject to credit underwriting.
Rates and costs depend on the loan type, the loan to value, the security and your circumstances, so we quote them deal by deal rather than advertising headline figures that most borrowers never achieve. Any broker fee depends on the size and complexity of the deal and is always agreed with you in writing before any work begins. No hidden costs, no surprises at completion.
We are a credit broker, not a lender. We may receive commission from the finance provider if you decide to enter into an agreement with them, and in some cases a broker fee applies. We work with both discretionary and non-discretionary commission models and commission payments can be factored into the interest rate you pay. All fees and commission arrangements are disclosed and agreed with you in writing before any work begins.
Yes. We arrange student HMO mortgages, multi-unit block finance and purpose-built student accommodation (PBSA) funding in university towns and cities across the UK, including Article 4 areas and sui generis HMOs of seven beds or more. See our student property finance section for the locations we cover.
Yes. We are based in the North East and arrange funding on property and businesses across England, Wales, Scotland and Northern Ireland, including contractor accommodation near major infrastructure projects such as Hinkley Point C and Sizewell C.
Question not answered? WhatsApp Chris directly or book a call, it is quicker than email.
Whether it is a straightforward buy-to-let or the bridging deal three brokers have already declined, the first conversation is free and the answer is fast.
