Strategic guidance,
efficient funding.

Specialist solutions for complex financial needs.

Specialist Mortgages

Personalised advice, strategic guidance and access to tailored lending solutions to ensure smooth, efficient funding processes.

Bridging Finance for Swift Property Purchases

Bridging finance is an incredibly versatile and powerful financial solution, often misunderstood as being expensive. In reality, when used in the right circumstances, bridging finance can be the perfect solution to meet short-term funding needs.

A bridging loan is a short-term loan designed to 'bridge' the gap between purchasing a property and securing long-term financing or selling an existing asset. One of the key advantages is that the interest is typically retained, meaning there are no monthly payments to worry about during the loan term. Instead, the interest is settled at the end of the term, offering greater flexibility and cash flow management.

Bridging finance can be used for a variety of purposes, including:

Purchasing before selling – Secure your next home without waiting for your current property to sell.
Property refurbishment – Obtain funds to upgrade or renovate a property, increasing its value for sale or long-term letting.
Auction purchases – Complete property purchases quickly to meet the tight deadlines of auction acquisitions.
Breaking property chains – Avoid losing a purchase due to delays in your sale process. At ERG Private Finance, we guide clients through the bridging process, ensuring competitive rates and efficient processing. We provide expert advice on when and how to use bridging finance effectively, helping to ensure it serves as an enabler for your property ambitions., including auction acquisitions and chain breaks. We offer competitive rates and efficient processing for seamless property transactions.

Development Finance for Residential and Commercial Projects

Secure funding for development projects from land acquisition to completion. We assist in aligning financing with each project phase, helping streamline progress and manage risk.

Property Development Mortgages - ERG Finance

Holiday Apartment Mortgages - ERG Finance

Expat and Overseas Investor Mortgages

Investing in UK property from abroad? We provide tailored mortgage solutions for expats and overseas investors, navigating currency risks, tax considerations, and legal complexities for a smooth investment journey.

Self-Build Mortgages for Bespoke Home Construction

Self-build finance is a specialist area in which we excel. Through years of experience, we have cultivated strong relationships with key lenders and intermediaries in the self-build sector, ensuring that our clients benefit from the best possible guidance and lending solutions.

Self-build mortgages differ from traditional mortgages in that funds are released in stages as the build progresses. This ensures that you only draw down funds as required, helping to manage cash flow and reduce interest costs.

Typical Stages Include

Land Purchase – Securing finance to acquire the plot.
Preliminary Costs – Covering initial expenses such as planning permission and architect fees.
Foundation Stage – Releasing funds as the foundations are completed.
Structural Stage – Financing the building of walls, roofs, and key structural components.
Final Fix and Completion – Covering interior fixtures, fittings, and final finishes.

Lenders may require a detailed build plan, costings, and proof of planning permission. Funds are typically released after each stage is independently valued. We guide you through each step, ensuring all documentation meets lender requirements and advising on how to maximise your borrowing potential.

Additionally, we assist with planning for the end of the project, including refinancing onto a standard residential mortgage or releasing equity for future investments. Our deep understanding of the self-build sector ensures we can offer tailored advice that helps bring your vision to life while mitigating potential financial risks. We offer bespoke finance solutions with staged payment options aligned to construction milestones, ensuring your project progresses smoothly from start to finish.

Client Feedback

Ryan has brokered two mortgages for us
now and I cannot recommend him more highly. He is an amazing, amazing mortgage broker and we wouldn’t use anyone else. So knowledgable, so thorough, really listens, always responsive, the mortgages he secures are top notch - he is amazing and we feel really lucky to have worked with him. We haven’t always had easy financial circumstances for him to navigate but that hasn’t been a barrier and he’s offered outstanding support and good sense. It sounds a bit weird to be so effusive about mortgage broking but Ryan has helped us so much and with such good care - he’s made a huge difference to our lives and we are in our dream home thanks to him. Don’t hesitate to work with Ryan. He’s one in a million.

I’ve known Ryan for nearly a decade and trusted him with many complex high value structured deals. ERG have recently completed the funding for two large projects, Ryan’s industry knowledge and contacts have been invaluable in securing finance.
Communication has always been exemplary and nothing has been too much trouble, Ryan has always gone over and above of what is expected. Post completion support is also key for building a long standing relationship, we’re already working on new deals and the advice I’ve received has set me up for many years of future growth.

Always a pleasure to work with Nathan. They secured a non-conventional product for us as we had a complex buying situation. Thank you!

Ryan and his team are amazing. They’ve worked on a number of different deals for me now and they’re knowledgable, helpful, patient and super professional. Couldn’t recommend them more highly.

Excellent helpful advice, prompt communications and made process very straightforward.

Nathan was a pleasure to work with after some truly awful experiences trying to secure a mortgage with other companies. He was on the case from the very beginning, kept us well informed of the progress, and advocated with our lender to ensure everything worked smoothly through completion. He was a joy to work with. We'd recommend him and ERG to anyone who's had issues obtaining a mortgage elsewhere.

Great experience with ERG finance. Ryan is an expert, so knowledgeable and assists throughout the process, removing any stress and delay.

Nathan and the ERG Finance team are exceptional.

They have assisted me with financing twice now and I can't recommend them highly enough. On the first occasion multiple brokers failed to find me a product but Nathan managed to organise it perfectly.

10/10

Ryan has been absolutely incredible at supporting us through our purchase. He has found us an option that works for us, whilst having overcome numerous barriers along the way. He is also super friendly, down to earth and supportive. We couldn’t have asked for more. Thank you ERG Finance!

Hands down the best brokerage in Shrewsbury!

We had an excellent experience working with Ryan throughout our complex self build mortgage transaction. Ryan and Isabelle were professional, knowledgeable and incredibly responsive. They understood the nuances of what we wanted to do and guided us through the process with ease. Can’t thank them enough.

My first experience using a broker - Ryan has set the bar high! He & Izzy were both a pleasure to work with, available to answer all of my many questions, with kindness and no sense of condescension despite being a first-time buyer. I'd strongly recommend using his services to anybody buying property, and will continue to use ERG for any future sales.

If I could give 10 stars I would! After being messed around with another broker and telling the estate agent I may have trouble getting a mortgage due to being self employed she recommended Ryan, and she was spot on.

Honestly, without hesitation I would recommend Ryan/Izzy and the team at ERG to anyone looking for a mortgage, they take the stress out of it and are genuinely the best in the business.

Another fantastic result from ERG Finance. Ryan and Nathan are always so professional, easy to communicate with and get the most incredible mortgage deals, I don’t know how they do it!
Both personally and for my clients at work I am very grateful.

If I can give 10 stars instead of 5 I would!
Our broker Jake went above and beyond. Without him the deal would not have happen. Jake is very dependable and got great communication, making the most difficult process easy.

Amazing service. Our broker Jake was absolutely sensational, he literally did everything to make this deal happen including going above & beyond what we expected and what was required of him. Great communication is key and Jake kept us updated and informed throughout the entire process.

A huge thank you to Ryan and team at ERG Finance for their exemplary handling of my mortgage renewal. The team communicated clearly offering a range of products for review. With minimal fuss and a real personal touch, I was guided at every step in the process and I cannot recommend ERG highly enough. Highly professional and efficient.

Ryan and the team at ERG were excellent throughout our transaction. Without their knowledge and perseverance we would have been lost.

Ryan and Isabelle have been our advisers on several complicated projects and have produced the goods again and again. In a market bereft of the “personal touch” Ryan and his team are a welcome breath of fresh air.

Ryan and team helped secure a mortgage on our new home quickly and at a good rate. Saving so much time and hassle and getting us access to lenders who took into account our full circumstances. I’m happy to recommend.

Highly recommend ERG finance,
Having used Ryan previously,
He offered excellent advice and guidance throughout the whole process of our remortgage. Very professional and always available to help and support when needed.

We have used the team at ERG for over 10 years, they have helped us with residential, buy to let, let to buy, bridging, land, self build, commercial mortgages as well as a home equity facility on our main home. Highly knowledgeable and experienced, Ryan and the team have been an integral part of building our portfolio. Highly recommended!

When it comes to getting things sorted, look no further.. professional friendly approach, knowledgeable in all aspect’s of the process. Total peace of mind, from start to finish. Could not recommend anyone higher in this field.

Ryan and his team helped us to sort out a remortgage on a buy to let property. Their knowledge and professionalism is second to none and I would have no hesitation in recommending ERG Finance to anybody.

Very easy process from start to finish. Top company, thanks guys

Really happy with the service

This guy is the best in the business. I have worked with Ryan Garbett for 10 years. He is literally the most important business contact in my phone book. I would not have the property portfolio I have today if it was not for him and my hard work. He has never ever lost me a deal and has believed in my ability to produce in property world when others did not.

Ryan managed a complex finance deal for us early in the year. His understanding of the property space and ability to find solutions where others couldn’t was key. Professional, capable, and highly recommended.

Ryan and the team offered solutions that no-one else I spoke to provided and were ideal for the unique set of variables I have. I can't speak more highly of him. I can't imagine going anwhere else.

Ryan has been fantastic throughout the years. He's made everything clear and straightforward, always taking the time to explain my options and answer any questions. His knowledge, professionalism, and patience really stood out. I felt confident and supported every step of the way. I’d highly recommend Ryan to anyone looking for reliable mortgage advice.

I’ve used Ryan on numerous occasions to help secure development finance and three separate mortgages, and in every case, he has been absolutely outstanding. The development finance deals he arranged for me were not only secured quickly but were also perfectly tailored to support the progress of our projects. His expertise and dedication have been instrumental in helping us move forward with our developments.”

Ryan was amazing to work with. He was super knowledgeable, reassuring and was always pushing for the best deal possible. Highly recommend!

Ryan is exceptional at what he does, professional, friendly, and truly customer-focused. I’ve gone through three mortgage processes with him and wouldn’t consider working with anyone else.

ERG Private Finance Ltd - trading as ERG Finance is an Appointed Representative of New Leaf Distribution Ltd which is authorised and regulated by the Financial Conduct Authority: FCA Number 460421. YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE. Buy to Let mortgages and Commercial Lending are not usually regulated by the Financial Conduct Authority.

Strategic guidance, efficient funding.