Pure Property Finance

Pure Property Finance operates as a trading name of Pure Commercial Finance Limited, a firm authorised and regulated by the Financial Conduct Authority (FCA) under financial services register number 744421. The company serves as the flagship entity within The Pure Group. Initially known as Pure Commercial Finance, the brand underwent diversification in early 2020, leading to the establishment of sister brands, Pure Structured Finance and Pure Wealth Management. This expansion has broadened the group's capabilities while maintaining a client-focused approach.

The firm is a property finance broker that provides financial solutions for both residential and commercial property requirements. The company offers a comprehensive suite of property finance solutions designed to meet diverse client needs. These services include bridging loans and finance, which provide fast property finance for various situations such as residential purchases, investment properties, developer projects, and auction acquisitions. Pure Property Finance also specialises in development finance, catering to both experienced property developers and those undertaking their first projects.

Additionally, the firm arranges commercial mortgages, including occupier mortgages, portfolio mortgages, and investment mortgages, alongside solutions for bad credit mortgages. Beyond bridging and development finance, Pure Property Finance provides a range of other financial products. These encompass buy-to-let mortgages, including options for HMO mortgages, holiday homes, and buy-to-let remortgages. The company also assists clients with residential mortgages for first-time buyers, those upgrading to larger properties, remortgages, equity release loans, help to buy, right to buy, bad credit mortgages, second home mortgages, professional mortgages, and mortgage further advances.

Secured loans, including second charge mortgages, are also part of their offering, serving as an alternative when remortgaging or a further advance may not be suitable. The firm also provides insurance and protection services, covering home insurance, income protection, critical illness, and life insurance. Pure Property Finance operates with a client-centric philosophy, providing impartial advice and ensuring clients receive quotes from the entire market. The company maintains no ties to specific lenders, allowing it to present deals that best suit individual client requirements rather than offering restricted results from a limited pool of lenders.

The firm's industry contacts enable it to identify packages that may not be widely available. Pure Property Finance manages each deal from the initial contact through to securing lending, aiming to prevent avoidable delays or errors in the application process. The company prides itself on consistent service excellence and achieving outstanding results for its clients. While not exclusively focused on Purpose-Built Student Accommodation (PBSA), Pure Property Finance possesses significant experience in development finance, which can encompass various types of property projects.

The firm's brokers are positioned to source, negotiate, and deliver deals for property developers, whether they are experienced or undertaking their first project. This includes senior debt, stretched senior debt, commercial development, mezzanine finance, refurbishment finance, development exit finance, land finance, and permitted development finance. The company's expertise in structured finance allows it to build deals tailored to specific needs, enhancing application presentations to lenders and increasing the likelihood of securing required funding. The firm's services extend to high-value projects, working with over 60 lenders, from high street banks to private funds, to offer flexibility and competitive rates.