Top Aviation Finance Law Firms in London

 Silver Oak Capital has built many long standing relationships based on trust with most of the top aviation finance law firms in London. One of the most important elements with any aircraft transaction is to ensure a legal team is in place with the relevant experience. There are numerous areas to consider when funding a new aircraft but one of the most important is regarding the finance. Having a strong working relationship with the clients legal team will also ensure the process runs quickly and efficiently. Whether the client wants to purchase the aircraft using an operating lease or a finance lease - the legal team and the finance team (Silver Oak Capital) will need to have sufficient knowledge of both these methods to ensure the debt is facilitated in a timely and proper manner.

Most of the UK aviation finance law firms have offices in most of the major cities in the world such as New York, Paris, Dubai, Mumbai, Hong Kong, Shanghai and Singapore. They will also have representations in major tax jurisdictions which is where the aircraft are usually registered - these include Guernsey, Isle of Man, British Virgin Islands, Malta, Mauritius and the Cayman Islands. We have often worked closely with Law Firms as opposed to clients - where we have been approached by the legal team instead of the borrower to assist with the introduction of a large European or United States-based bank. There are also numerous occasions where the client prefers to have a broker handle the debt application process on their behalf as this frees up time for regular business activities. 

Often the aircraft mortgage is required by a corporate instead of a wealthy individual. This would be the case for a large multi-national company with a need for top executives to travel between countries to visit with their respective offices. The second hand aircraft market is the most active as there is a huge demand for used aircraft as most of these assets have a long operating life. Therefore having a professional operator in place who will maintain and manage the aircraft is essential. We can also arrange for an aircraft search company with connections to this second hand market to offer various options to purchase. We also work with the largest and most important aircraft manufacturing companies globally such as Airbus, Boeing, Bombardier and Embraer. 

We also have good relations with engine manufacturers such as HoneyWell and Rolls Royce. Likewise for engine insurance companies. Prices range for used aircraft from $10m USD to $100m USD for brand new aircraft. The rule of thumb for cost of operating the aircraft is roughly 10% of the purchase price per year taking into account marginal gains. We will guide you through the entire application process from initial discovery phase to completion and delivery of the aircraft. Silver Oak Capital will usually be present at the major global private jet events such as EBACE in Geneva. If you are looking for advice on raising a mortgage to help with the purchase of your new corporate jet then we can help make the process a lot easier.

Property Development Finance for Businesses

 

When it comes to property development finance, or construction finance - this is an area that we work in consistently and in fact makes up the majority of our loan applications. House building is big business in the UK due to the government's policy on increasing the number of affordable homes available. There is a great need for development finance from developers up and down the UK and especially in London. House building businesses are always looking for the best development finance deals in the market. There are dozens of development finance lenders in the UK market and knowing how each of these lenders works is very important in ensuring that an developer doesn’t waste time with an application that will ultimately be unsuccessful. 

Property developers and landlords place a huge emphasis on time as any lost time ends up costing them money so hiring a broker who knows the market can save them valuable time and money. Most development finance loans are based on a percentage of gross development value. Lenders will often fund 100% of the construction costs as long as the borrower has put sufficient equity into the deal. If the developer of the landlord has purchased the land and spent many months consulting architects and obtaining planning permission and paid for these services out of his or her own pocket then this will increase the level of the developers equity contribution. 

Once planning has been obtained for a particular sight there will normally be an immediate increase in the value of the site due the planning permission being accepted. This value will also contribute towards a borrower equity position. Most development finance loans have a term of 12 - 24 months depending on the build time of the scheme. The fees involved are usually 1 percent in and 1 percent out. Which means you will pay 1 percent of the gross loan amount upon drawdown of the loan and 1% of the outstanding loan amount upon pay back of the loan and completion of the scheme. Many schemes will require a development exit bridging loan to refinance any development finance and mezzanine finance secured on a completed scheme. 

This is needed if the developers haven’t sold all of the units and need more time. Silver Oak Capital has completed many development exit facilities for landlords and property developers. Another type of loan often needed by developers is a stabilization loan - which is needed following the completion of a commercial building with multiple units available to let. The owners will need time to get the asset up to a high occupancy rate with almost all of the units let and producing a regular income. Therefore arranging a slightly cheaper stabilization loan to give the developers more time to find these tenants is an extremely useful tool and will contribute strongly to any borrowers peace of mind. Do not hesitate to contact one of our professional to discuss your development finance or commercial finance needs. Silver Oak Capital are the experts in London development finance and bridging finance.

Pros And Cons of Hiring Mortgage Broker London

 

Hiring a trusted and experienced mortgage broker is extremely important in finding the best debt solution and in securing market leading interest rates. Silver Oak Capital is renowned as the top commercial mortgagebroker UK. We have a network of over 300 lenders to consider your mortgage query. There is serious competition between lenders in the UK that’s why securing the services of a mortgage broker London focused as this is where most of the lenders have head-offices. We focus on large mortgage loans between 1 million and 20 million and have the expertise to help you find a market leading interest rate. We will describe the pros and cons of working with a mortgage broker. The pros include savings time and money in searching for the best interest rate. 

Most mortgage lenders have different lending criteria and are searching for different types of clients. They also have appetite for different loan sizes or asset types. For example some lenders specialist in high value properties over 5 million pounds. There are plenty of high street lenders in the UK who focus on smaller flats and houses - these include Barclays, Santander, Natwest, Royal Bank of Scotland, Halifax and Nationwide Building Society. Private banks in the UK that specialise in larger property transaction include UBS, Credit Suisse, Royal Bank of Canada, Barclays Wealth, EFG, Butterfield Bank and Investec. We have built strong working relationships with all these lenders and know their different lending policies extremely well. 

The ability for us to save the client valuable time and money is what justifies our fees we charge clients for performing the commercial mortgage broker service. When it comes to commercial mortgage loans there is a totally different set of lenders to consider. When looking for a mortgage on a commercial building such as an office, warehouse, care home, retail unit or block of flats then Silver Oak Capital has plenty of experience in funding these types of assets. Banks such as Lloyds Commercial, Investec, Barclays Commercial, Santander Commercial, State Bank of India and Shawbrook Bank are best suited to funding such projects. 

Apart from these mainstream lenders - there is a large consortium of so called challenger banks who are very active in the UK market and have large pots of liquidity with aggressive lending targets. It is extremely important to consider all of these lenders when looking at any new loan query. Lender criteria also changes alot over time so we have a team dedicated to keeping up to date with all these developments which ensures we have the latest information and keep out clients abreast of any new changes to their own lenders’ policy. Trying to deliver each clients unique expectation is a challenge but this is something we are used to and have become accustomed to. It is important to know that although our head office is based in London - we operate through most western European countries so have similar networks of lender in each of the major European finance centres such as Paris, Madrid, Monaco, Frankfurt and Geneva.

Yacht Finance Calculator UK A Great Help For Consumers

 

Obtaining yacht finance is an important element to purchasing most yachts. Silver Oak Capital has helped numerous clients find the right yacht mortgage to help with their dream purchase. We arrange finance predominantly for private motor yachts or sailing yachts but can also assist with commercial vessels. The principles at Silver Oak Capital have spent a lot of time at the various yacht shows around the world, most notably the Monaco Yacht Show. Other shows include Fort Lauderdale Yacht Show and the Barcelona Boat Show. There are a number of top legal firms we partner with who will help with the purchase of your vessel. As a professional finance firm we also have excellent connections with fiduciary companies in all of the top tax havens such as Jersey, Guernsey, The Isle of Man, British Virgin Islands, Malta and the Cayman Islands.

The company will act as your designated yacht financecalculator UK and provides a professional, knowledgeable service to those seeking to purchase a yacht. The length of yachts that we finance ranges from smaller 20m sailing boats to 100m super yachts. Some commercial vessels such as LNG carriers and Cargo ships can be funded through our banking relationships too. The biggest yacht show in the global calendar is the Monaco Yacht Show and has always been known as having the largest number of mega yachts by quantity and value at the event which is help in September each year. 

It was cancelled in 2020 due to Covid 19 but this has not been detrimental to the yacht market as they second hand market has been extremely active with many more clients wishing to purchase motor yachts or sailing yachts. The lending market has been active too and with increased competition causing average interest rates to decline amongst most lenders. The number of lenders in this market is small and therefor it is even more important to have a finance broker who has built a strong working relationship with these lenders. There are a number of UK based lenders which focus on UK nationals and will assist them with almost any yacht size. 

There are a number European based private banks who will be able to assist most clients with a private banking relationship which includes mortgage finance for the yacht over a 5 year term at a margin over base rate. This will normally be on an interest only basis and the client will need to bring new assets under management to the bank to begin the relationship. Silver Oak Capital will assist with the entire application process. In order to obtain the indicative lending offer your vessel is the spec sheet and some background on your as the borrower. We also know that purchasing a yacht is an extremely personal decision therefore the entire process will need to be handled with utmost care and in most cases discretion. Do not hesitate to contact Silver Oak Capital as our professional will be happy to discuss any of your yachts over the phone or meet you at our central London office.

Building Your Home With Bridging Loan London

 Many builders find it easier to make a new home than renovate an older home, as there are several unknowns, more definite costs, and fewer distractions such as homeowners living in the house. However for homeowners, a complete self-build project is usually far more complicated, especially in the area of costs, this is where a Bridging Loan London in the form of short term finance can come in very handy to cover the unknowns and unexpected.

Having said that, despite the complexities included, building a house from scratch is much easier than undertaking a full refurbishment. Once you price the job, it stays on a budget because there are no unknowns and it's so much easier to plan. Still, the advantage of a bridging loan London can assist in instances that you go over budget.

You also don't have people living in the house at the same time. With a new build, provided that the groundwork and planning go well, the finish date and estimated budget can be relied upon.

For the homeowner, a complete self-build project starts with finding a plot, organizing a self-build mortgage, and securing planning permission. Cautious choice of architect, builder, and tradesmen is fundamental, as is ensuring you have insurance, warranties and that you are eligible to claim the tax back. Then the work begins.

Some of the important factors in ensuring the success of your project are good organization and courteous, flexible builders, where difficult structural decisions may have to be made.

Careful choice of the building firm will ensure that you as the homeowner will be delighted with the work. Excellent standards of workmanship, customer care from each member of the team, from foreman to apprentice and their ability to respond to each day's problems will be reflective in the budget quote, which you can have peace of mind for by taking out a bridging loan London in case your funds run out.

Another factor is getting good advice. Having chosen your building firm and specified the build of your stunning detached property for your family, you will be relying upon them particularly for guidance and advice in all phases of the building plan - from design to materials. A good relationship is paramount from the very first meeting which will fill you as the homeowner with trust and confidence in their ability and knowledge. Their help, guidance, and advice, along with their attention to detail and finish will make your dream home real.

The final factor is communication and diplomacy skills. Although you are building your dream home, during the time you are building, your neighbors will probably consider you to be a neighbor from hell. The careful approach of dealings with neighbors, particularly in busy towns and cities, can mean the difference between getting the home you want and a severe compromise. A compromise may be necessary if particular details have been overlooked during the planning stage such as the right to light for your neighbor, in which case new surveys may need to be repeated which are costly, but if a bridging loan London is taken out, such nuance costs that may arise can be dealt with swiftly.

Benefits of Hiring the Professional Commercial Mortgage Broker UK

Investing in real estate business is one of the precious steps that you can take. Also, this is something that we do not do normally, and it requires great money and knowledge investment as well. Figuring out various financing opportunities is one thing that you need to consider in the first place. Depending on several factors, you can either go for a mortgage lender or Commercial Mortgage Broker UK.

The Commercial mortgage lender is the one who works closely with financial institutions, such as banks. They help the possible buyer to get the amount of money according to their acceptability.

On the opposite, a professional Commercial Mortgage Broker London in the UK is the one who will be working on behalf of you as a mediator between the buyer and the financial institutions. Moreover, the best mortgage brokers are licensed and experts in providing detail high-quality assistance. Hence, you can expect a well qualified professional working on your behalf. Moreover, you can have many advantages as well for having them on your side.

Those are:

• They help you save a significant amount of time.
• A Commercial Mortgage Broker UK works on your most suitable business
• They will act as a professional Mortgage Broker
• Advice and counseling
• Pre-qualification

Act like a Professional Agent

A professional mortgage broker in London can help you find various mortgage choices and they will also help you compare the best options.

This is the most significant advantage of hiring a professional mortgage broker. Thus, you can choose the best choice meeting all your requirements in the first place. Hence, be it anything if you are going to buy a home at any time earlier than this will help you find the best opportunity suiting all your requirements.

Work For Your Interest

If you hire a Commercial mortgage lender then he can introduce the option available under a specific institution. Their role is to sell the mortgage option they have with them. While on the other hand, a mortgage broker can give you the best option after comparing the best deal available in the market. Hence, you can have a great opportunity with a professional and knowledgeable mortgage broker.

Saves a Great Deal of Time

The method of applying to the different loan system and other business systems takes a lot of time. As you need to keep proper communication with your lender to find the best deal for you. On the other hand, a Commercial mortgage broker UK can help you save your valuable time by estimating the plan and running the same as well. Thus it saves a significant amount of time for you, making the process faster for your comfort.

Advice and Counseling

This is another important benefit of hiring the best Commercial Mortgage Broker. All you need to do, make sure that the Mortgage broker you are choosing is experienced enough to guide you in the correct direction. The best way to find a professional mortgage broker who can help you understand and balance the deal is simply by asking your friends and families.

Pre-Qualified

In case you apply for a loan, and you are rejected, because of your eligibility standards then your credit score will hamper. Hiring the professional mortgage broker in the UK will make sure you qualify for the loan. As they are equipped with the latest loan guidelines and information, therefore, you will be on the safe side while applying for the loan.

These are some of the main advantages that you can expect from a professional mortgage broker UK. Certainly, these are not the only ones that you can anticipate. There are many great possibilities that you can expect as well

Connect With The Best Mortgage Brokers in London

 Mortgage brokers are the mediating bridges between the prospective lender and property borrower. To accomplish the process of an efficient mortgage lending process, it is essential that the mortgage brokers be highly proficient and through with the mortgaging technicality.

In addition to possessing robust information about licensing and mortgaging rules and procedures, it is essential for mortgage brokers to possess specific qualities. While choosing the best mortgage broker in London is a tedious task, but not so difficult as we expect it to turn out. The borrowers need to go through analyze lenders from all perspectives before clinging on to someone.

What are the duties of best mortgage brokers in London?

The following are the routine duties of incumbrance brokers:

It is his or her responsibility to market their business to attract clients.

He or she must be fully aware of the borrower's circumstances and analyze it from all perspectives to define the best rate of interest for them.

He or she must assess the market to identify an incumbrance product that defines his client's needs and fits in at its best.

Which qualities define best mortgage borrowers in London?

Some of the essential characteristics which are necessary to quote an incumbrance borrower the best one are as follows:

Renders mortgage homes at the best rate of interests:

An incumbrance lender is the one who secures home loans for their customers. To flourish as the best in the market, it is essential that the mortgage broker possesses thorough market analysis skills and offers the best rate of interest for home loans.

Best Mortgage Brokers London has to simplify the mortgaging process for their clients:

The incumbrance processes are laden with oodles of complexities concerning the financial transactions. In case, the borrower fails to connect with a proficient mortgage broker; he may stumble with the mortgaging process. Additionally, the incumbrance broker must make himself available over phone calls and through email communications wherever it is necessary to do so.

Best mortgage brokers in London are deeply connected with the market and industry:

The market inventory is continually changing, and hence the mortgage brokers need to keep himself updated about the market changes. The brokers must stay in tune with the latest trends in the industrial set-ups.

How to connect with the best mortgage brokers in London?

Connecting with the best mortgage brokers in London is important to pay the competent rate of interest for your dream home. One of the best ways is to consider the referrals or word of mouth from their past or present clients. Besides clients, the estate agents can accomplish the role of reference. The majority of the real estate companies do have in-house mortgage brokers to facilitate their customers with ease of mortgaging a property.

To choose the best mortgage broker, it is essential from the borrower's end to interview at least a couple or more mortgage brokers. Alternatively, today every person has Google at his fingertips. He can research a bit about the best mortgage brokers in London, compare his research contributions and finalize on the one that fits in from all perspectives.

How Finance Brokers Helping You Simplify The Process Of Arranging Funding

 

The market for debt is becoming more complicated due to increased regulation and increased competition. There are more lenders than ever before present in the European market. Especially in the UK, where the demand for debt due to the low interest rate environment is stronger than ever.. It has become more crucial than ever to work with trusted brokers who know the market and are well connected to all the lenders. There are now hundreds of lenders in the market concentrating on a wide range of asset types, from residential properties, offices, nursing homes and warehouses - to yacht, aircraft, art and other luxury assets. Navigating this market to find the best lender for your circumstances will take months.

A quick search for yacht finance calculator UK will show that there are only a handful of firms with the expertise and relationship to arrange finance with the most appropriate lender. Silver Oak Capital works with most of the top aviation finance law firms who can help with the purchase or refinance of your jet. You can find our representative at most of the major aviation seminars, conferences and events around Europe. We have assisted clients based in Europe, North America, The Middle East, Africa, China and Australia. Whilst we are based in London most of our clients are foreigners based offshore. We work alongside some of the most highly skilled marine lawyers in the world and in finding the right lender for their clients.  One of the largest yachting events in the world is The Monaco Yacht Show, which is held annually in Monaco.

Silver Oak Capital has been a regular attendee at this event and has built strong connections with many of the largest yacht manufacturers in the world including Lurssen, Heesen, , Feadship, Benetti, Blohm & Voss, Oceanco and Sunseeker. We also have access to the best yacht brokers around should you with to sell your vessel in exchange for a new one, most notably, Burgess, Fraser and IYC. We have also arranged finance for commercial ships, such are LNG carriers and cargo ships. It is important to have direct connections within the shipyards in countries such as Germany, The Netherlands and Italy to ensure a smooth delivery of your new magayacht.

We can take advantage of export credit finance which is an extremely effective way of funding the build of any new yacht. The process will begin with an initial call to discuss your finding needs. We will then need to gather an initial list of information to help us make a proper assessment of your borrowing capacity. We will then approach a set of appropriate lenders based in various countries that match your situation. We will always be transparent about which lender we will approach prior to presenting any lending proposal. Purchasing or refinancing a yacht is an extremely discreet ad time consuming process so you can rest assured that Silver Oak Capital abides with all the EU Data Protection regulations. For more details on the types of deals we have done please consult our website.

Commercial Mortgage Broker For Bridging Loans

 

The bridging loan market has become increasingly competitive over the past 5 years. There have been many entrants into this market and this has driven lending rates to an all time low. Bridging loans UK is one of the most advanced pending markets in the world with over 100 different lenders focusing on a wide range of asset types. Bridging can be used for various purposes, such as purchasing, selling or releasing equity. As one of the UKs biggest commercial mortgage brokers SIlver Oak Capital has access to over all of the biggest bridging lenders in the market. We also arrange bridging loans outside the UK in countries like France, Spain, Italy, Switzerland, Portugal and Germany. The bridging loan London market is dominated but a select few large debt funds backed by institutional money which mean they look to lend in large volumes due to their high annual targets.

Bridging finance was traditionally taken to help with purchasing a new residential property - where one needed the money sooner to complete on the new purchase whilst waiting for the old property to sell. It has evolved into being used for many different purposes including raising cash on a property to refurbish or redevelop. It has been used on new development projects following completion of construction to refinance any current debt and allow more time to sell any units. It is important to distinguish between regulated and unregulated bridging loans. A regulated bridging loan is finance that is secured on your place of primary residence, or home. Most other bridging loans are classified as unregulated. As we have funded short term finance on various other assets such as art, classic cars, jewelry, yachts and aircraft. 

The application process for bridging loans is usually less onerous than regular mortgages as there is no need for an affordability assessment. There is more of an emphasis on the background story, and value of the asset and the exit strategy. There are also many other sources of short term finance such as private equity funds, family offices and high net worth  individuals. Silver Oak Capital has an excellent family office network with access to numerous HNWI’s with large amounts of cash to disperse. It is therefore even more important to make use of a reputable commercial bridging broker who knows the market as there are many shady and untrustworthy characters out there who will try and take advantage of a naive property owner. 

As regular mortgages have become more bogged down in regulation and red tape, high street banks have also been stuck in the past being unable to reform and adapt to a changing environment where people want things done quickly and efficiently. Following an initial assessment of your property and circumstances, we will then approach a select few lenders to obtain indicative lending terms which will be in line with your lending request. You will then be able to make an informed decision based on the overall fees and conditions of the loan before beginning the formal application process which take roughly 6 weeks.