Mrs D had recently opened a childrens day nursery. It was formerly a large detached house on a corner plot. Having bought the porperty she spent a considerable sum from her own funds refurbishing the property and grounds to make it fully compliant with the requirements of the planning authorities and Ofsted.

Upon opening it became apparent that the local authority element of the fee income would become payable mid term, but, wages, the major overhead of the busines had to be met monthly.

Our client needed a remortgage and quickly. 15 working days after we were instructed, completion took place.


Mr & Mrs P Saved £59,308. 
This proposal illustrated BCF’s capacity to achieve substantial savings on Commercial mortgages. By using market knowledge we identify the most competitive lender for a given sector. In this instance the borrowers had a loan balance secured upon a care home of £475,000. Simply by switching to a lender with a lower interest rate having been obtained by BCF, the saving over the term of the loan amounted to nearly £60,000. 


Mrs X saved her business. BCF were approached by this hotelier who had been forced into a voluntary arrangement following a separation. Given this position, her bank had withdrawn support. BCF arranged private funding to ‘bridge the gap’, and discharge the creditors. BCF subsequently arranged re finance with another high street lender. 


Mr L was developing a courtyard of residential properties. Mid way through the project his bank withdrew support as the wished to see the development ‘phased’, meaning that they wanted the proceeds of sales prior to progression of the project. This was not possible because due to the layout, the properties could only be sold when all were substantially complete. BCF arranged a facility with an alternative lender, which not only met all of the developers needs, but also was at a margin of 1.5% less than the previous bank; hence a significant saving was made at the same time.