Below Market Value (BMV) Property Mortgages

Welcome to Advocate Finance, your trusted mortgage broker for investment mortgages / loans.

Discover the benefits of purchasing properties Below Market Value (BMV) and how tailored finance solutions can help you grow your portfolio while maximising returns.

What is Below Market Value?

BMV refers to purchasing a property for less than its current market valuation. This strategy is popular among property investors looking to:

Secure instant equity
Increase ROI
Reduce overall borrowing costs

Below Market Value opportunities often arise due to motivated sellers, distressed sales or off-market deals. By leveraging specialist finance options, investors can capitalise on these opportunities quickly and efficiently.

Key Features: Below Market Value

Mortgage Range: Mortgages from £100,000 to £50 million; subject to affordability and credit criteria
Loan to Values: up to 75% (100% with cross charges)
Mortgage Term: 1 to 25 years
Payment Options: Interest only / Capital repayment
Purpose: Purchase
Income Requirements: No minimum outside income / All income types
All Credit Histories: High Net Worth to Credit Repair
All Property Tenures: Freehold / Leasehold (no minimum term)
All Residential Tenants: Working, Students, LHA benefits
All Residential and Business Tenancies: AST to Corporate Leases
All Business Tenants: No restrictions on industry / sector
EPC-Enhanced Products: Available

Why Choose a BMV property?

Instant Equity: Buy at a discount and benefit from immediate value uplift.
Higher ROI: Lower acquisition costs mean better yields.
Portfolio Growth: Stretch your capital further by acquiring more properties.

What Types of Properties Qualify for a BMV Mortgage?

Residential Investment
House in Multiple Occupations (HMOs)
Multi-Unit Freehold Blocks (MUFB)
Semi-Commercial / Mixed-Use properties

Steps to Securing an Investment Mortgage

Step 1

Initial Consultation with Mortgage Broker

Begin with a consultation with one of our friendly mortgage brokers to discuss your investment goals, property details, and financial situation.

We will assess your needs and recommend suitable finance options.

Step 2

Loan Application

We will submit a detailed loan application, including financial statements & property details etc. Our broker team will guide you through the documentation required by lenders.

Step 3

Property Valuation

A professional valuation will be conducted to determine the property's market value, including both residential and commercial elements. This is a critical step in the mortgage application process.

Step 4

Approval, Legal & Funding

Once approved, solicitors will be instructed to carry out any legal formalities. This can be as quick as a week (if Title Insurance is used on refinance cases). Once this stage is completed funds will be released.

Benefits of Below Market Value Purchases

Advantages	Disadvantages
Immediate equity gain	Limited lender options for BMV deals
Potential for higher rental yields	Strict valuation criteria
Opportunity to refinance at market value later	Requires experienced brokers for smooth completion

Why Choose Advocate Finance?

Expertise and Experience:

At Advocate Finance, we have proven experience in arranging Mortgages for Below Market Value Properties
Our team of experienced mortgage brokers have extensive knowledge of the unique challenges and opportunities associated with these types of properties. We understand the intricacies of the market and can provide expert guidance tailored to your specific needs.
If speed is essential to the transaction, our advisers will prioritise your case to ensure deadlines are met.

Tailored Financial Solutions:

Solutions designed to suit your investment goals.
Expert guidance on SDLT and share-based transactions.
We recognise that every client has unique financial goals and requirements. Our approach is highly personalised, ensuring that we offer tailored financial solutions that align with your investment strategy. Whether you are looking to purchase, refinance, or raise capital, we have the right mortgage product for you.

Competitive Fee Structure

We offer a FREE assessment with one of our mortgage brokers
We have a no upfront fee policy
Clear & transparent fee structure agreed upfront and in writing
Want to read what our customers say? Read our testimonials & Google reviews

Comprehensive Range of Services:

Advocate Finance offers a wide array of mortgage products and services. From bridging loans and refurbishment loans to long-term buy to let financing options, we cover all aspects of property finance. Our comprehensive service range means you can find all the financial solutions you need under one roof.
Efficient and reliable – Known for our rapid response and dependable service, we ensure timely financial solutions.