OUR SERVICES
With expertise spanning Real Estate Finance, Corporate Funding, and Protection Solutions, Vista Solutions offers bespoke financial services that support clients at every stage of their personal, property, and business journey.
REAL ESTATE FINANCE
Expert property finance solutions tailored to homeowners, landlords, investors, and developers.
Whatever your situation, we can find the most suitable deal to meet your needs from any High Street, Commercial or Specialist lender.
RESIDENTIAL MORTGAGES
From first-time purchases to moving home or raising additional funds, our mortgage specialists can help you navigate the market and identify suitable borrowing options.
Our Residential Mortgage Services
- First-Time Buyer Mortgages — Helping first-time buyers secure their first home with confidence and clarity.
- Home Mover Mortgages (Next-Time Buyers) — Supporting homeowners looking to purchase their next property and progress on the property ladder.
- Further Borrowing — Arranging additional finance for home improvements, debt consolidation, education costs, or other major expenditures.
- Second-Charge Mortgages — Providing access to additional borrowing secured against your property without replacing your existing mortgage.
- Product Transfers — Assisting existing borrowers in securing competitive rates and suitable mortgage products with their current lender.
BUY-TO-LET MORTGAGES
Whether you are entering the rental market or building an established portfolio, we offer access to buy-to-let finance across a range of property types and investment structures.
Our Buy-to-Let Mortgage Services
- First-Time Buyer / First-Time Landlord Mortgages — Supporting clients taking their first step into property investment, even where they have not previously owned a residential property.
- Existing Property Owner Buy-to-Let Mortgages — Funding options for homeowners looking to acquire their first or additional investment properties.
- Portfolio Landlord Finance — Specialist lending for experienced landlords managing multiple properties across their portfolio.
- Limited Company (SPV) Buy-to-Let Mortgages — Finance for purchases made through Special Purpose Vehicles and property investment companies.
- Non-Resident & Expat Mortgages — Funding options for overseas investors, expatriates, and non-UK resident purchasers seeking UK property investments.
- HMO Mortgages — Specialist finance for properties let to multiple tenants with individual tenancy arrangements.
- MUFB Mortgages — Funding for properties comprising multiple self-contained units under a single freehold title.
- Semi-Commercial Mortgages — Finance for mixed-use properties combining residential accommodation with commercial premises.
COMMERCIAL FINANCE
Funding for property acquisitions, refinancing, and business premises, with finance structured around your commercial objectives and circumstances.
Our Commercial Finance Services
- Residential & Commercial Property Portfolio Finance — Funding for investors and landlords looking to acquire, refinance, or expand residential and commercial property portfolios.
- Trading Business Commercial Property Loans — Commercial mortgages for businesses purchasing or refinancing owner-occupied premises, including offices, retail units, warehouses, industrial properties, and mixed-use buildings.
BRIDGING FINANCE
Short-term funding for property and business opportunities where speed and flexibility are essential, including acquisitions, refurbishments, and time-sensitive transactions.
Our Bridging Finance Services
- New Property Acquisition — Fast and flexible funding for residential, buy-to-let, commercial, and investment property purchases, including auction acquisitions and time-sensitive transactions.
- Property Refurbishment & Expansion — Finance for light or heavy refurbishment projects, property improvements, extensions, conversions, and value-enhancing development works.
- Further Borrowing for Business Purposes — Short-term funding secured against property assets to provide businesses with additional capital for strategic initiatives and operational requirements.
- Commercial Property Purchases — Bridging solutions enabling businesses and investors to acquire commercial premises quickly while arranging longer-term funding.
- Business Expansion Funding — Access to capital for growth opportunities, acquisitions, stock purchases, recruitment, equipment procurement, and other business development projects.
Why Choose Bridging Finance?
- Fast access to funding
- Flexible lending criteria
- Short-term funding solutions
- Property-backed borrowing
- Suitable for time-sensitive opportunities
- Available for both individuals and businesses
CORPORATE FUNDING & PROTECTION SOLUTIONS
Supporting businesses with flexible funding solutions designed to drive growth, improve cash flow, and support strategic investments. Whether you are looking to expand operations, acquire commercial premises, purchase equipment, or unlock working capital, Vista Solutions can help secure the right finance for your business needs.
BUSINESS LOANS
Access finance to strengthen cash flow, fund expansion, purchase stock, invest in your business, or pursue new commercial opportunities.
Our Business Loan Solutions
- Unsecured Business Loans — Flexible funding without the need to provide property or asset security, ideal for working capital, expansion projects, equipment purchases, recruitment, and business development initiatives.
- Secured Business Loans — Larger borrowing facilities secured against business or personal assets, often providing access to higher loan amounts, longer repayment terms, and competitive interest rates.
Common Uses for Business Loans
- Working capital and cash flow support
- Business growth and expansion
- Acquisition of another business
- Purchasing stock or inventory
- Recruitment and staff development
- Marketing and business development activities
- Technology and infrastructure investment
- Refinancing existing business debt
- Funding new contracts or projects
Why Choose a Business Loan?
- Access to funding for growth opportunities
- Flexible repayment structures
- Competitive rates available
- Secured and unsecured options
- Fast decision-making and funding
- Suitable for both established businesses and growing enterprises
ASSET FINANCE
Spread the cost of essential equipment, vehicles, machinery, and technology while preserving valuable working capital and maintaining financial flexibility.
Our Asset Finance Solutions
- Equipment Finance — Funding for manufacturing equipment, engineering machinery, medical equipment, catering assets, and other business-critical tools.
- Vehicle Finance — Finance for company cars, commercial vehicles, vans, trucks, and specialist fleets.
- Machinery Finance — Supporting businesses investing in new or replacement machinery to improve productivity and efficiency.
- Technology Finance — Funding for IT infrastructure, software, telecommunications systems, and digital transformation projects.
- Plant & Construction Equipment Finance — Finance for construction machinery, agricultural equipment, and heavy plant assets.
- Hire Purchase & Leasing Options — Flexible structures allowing businesses to own or use assets in a way that best suits their needs.
Benefits of Asset Finance
- Preserve working capital and cash flow
- Spread the cost of major purchases
- Access the latest equipment and technology
- Flexible repayment structures
- Potential tax and accounting benefits
- Funding available for both new and used assets
- Suitable for businesses across a wide range of industries
INVOICE FINANCE
Turn outstanding invoices into accessible working capital, helping your business maintain cash flow while waiting for customer payments.
Our Invoice Finance Solutions
- Invoice Discounting — Confidential funding that allows businesses to release cash from outstanding invoices while retaining control of their sales ledger and customer relationships.
- Selective Invoice Finance — Funding against individual invoices, providing flexibility when additional cash flow is required.
- Whole Ledger Facilities — Ongoing finance arrangements linked to the business's full sales ledger, supporting long-term working capital requirements.
- Growth Funding Solutions — Supporting expansion, recruitment, larger contracts, and future investment without waiting for customer payments.
Benefits of Invoice Finance
- Improve cash flow and liquidity
- Access funding quickly from unpaid invoices
- Support business growth and expansion
- Reduce reliance on traditional overdrafts
- Flexible funding that grows alongside your sales
- Enhanced working capital management
- Suitable for businesses across a wide range of sectors
Common Uses for Invoice Finance
- Managing day-to-day cash flow
- Funding business growth and expansion
- Paying suppliers and operational expenses
- Recruiting additional staff
- Purchasing stock and inventory
- Supporting larger contracts and projects
- Bridging gaps caused by extended payment terms
DEVELOPMENT FINANCE
Funding for property development projects from land acquisition through construction, conversion, refurbishment, and completion, with facilities structured around project costs and timelines.
Our Development Finance Solutions
- Ground-Up Development Finance — Funding for the acquisition of land and construction of new residential, mixed-use, or commercial developments from inception to completion.
- Property Conversion Finance — Finance for converting existing buildings into residential units, HMOs, apartments, mixed-use properties, or alternative commercial uses.
- Renovation Finance — Funding for substantial improvement works aimed at modernising, repositioning, or increasing the value of residential and commercial properties.
- Refurbishment Finance — Flexible funding for light and heavy refurbishment projects, including cosmetic improvements, structural repairs, extensions, and asset enhancement works.
Benefits of Development Finance
- Funding tailored to project costs and timelines
- Available for residential and commercial developments
- Staged drawdowns aligned to construction progress
- Supports value creation and property investment growth
- Flexible lending structures and exit strategies
- Suitable for experienced and first-time developers
Typical Projects We Support
- Residential housing developments
- Apartment schemes
- Mixed-use developments
- Commercial developments
- Office-to-residential conversions
- HMOs and multi-unit projects
- Property renovations and refurbishments
- Land acquisition and development opportunities
PROTECTION SOLUTIONS
Protect your income, family, lifestyle, and business with insurance designed around the financial commitments that matter most.
- Life Insurance
- Critical Illness Cover
- Income Protection
- Business Protection
LIFE INSURANCE
Life cover can provide a financial safety net for your loved ones, helping protect mortgages, household finances, and future plans.
Our Life Insurance Solutions
- Level Term Life Insurance — Provides a fixed lump sum throughout the policy term, ensuring a consistent level of protection for your family, dependants, or financial obligations.
- Decreasing (Diminishing) Term Life Insurance — Designed primarily to cover repayment mortgages, with the sum assured reducing over time in line with the outstanding mortgage balance.
- Increasing Term Life Insurance — Cover that increases over time, helping protect against the impact of inflation and rising living costs.
- Family Income Benefit — Provides regular tax-free income payments to your beneficiaries for a specified period rather than a single lump sum payment.
- Whole of Life Insurance — Offers lifelong protection with a guaranteed payout upon death, making it suitable for estate planning, inheritance tax planning, or long-term family protection.
- Joint Life Insurance — Cover for two individuals under one policy, commonly used by couples to provide protection for shared financial commitments.
Why Consider Life Insurance?
- Protect your family's financial future
- Cover mortgage and outstanding debts
- Provide financial security for dependants
- Help maintain your family's standard of living
- Support education and future expenses
- Gain peace of mind knowing your loved ones are protected
CRITICAL ILLNESS COVER
Financial support following a qualifying serious illness can provide valuable breathing space when your health affects your ability to work and meet financial commitments.
Our Critical Illness Protection Solutions
- Standalone Critical Illness Cover — Provides a lump sum payment upon diagnosis of a specified critical illness, giving you flexibility in how the funds are used.
- Life Insurance with Critical Illness Cover — Combines life cover and critical illness protection within a single policy, providing financial support in the event of either a qualifying critical illness or death during the policy term.
- Mortgage Protection with Critical Illness Cover — Designed to help repay or reduce outstanding mortgage debt if you are diagnosed with a covered critical illness.
- Family Protection Plans — Comprehensive solutions combining life insurance and critical illness cover to provide broader financial security for you and your loved ones.
Common Conditions Covered
- Cancer
- Heart Attack
- Stroke
- Multiple Sclerosis
- Major Organ Transplant
- Kidney Failure
- Parkinson's Disease
- Permanent and Total Disability, subject to policy terms
Benefits of Critical Illness Cover
- Financial support during recovery
- Protection for mortgage and household commitments
- Flexibility to use the lump sum as required
- Available as standalone or combined cover
- Peace of mind for you and your family
- Cover tailored to your individual needs and budget
INCOME PROTECTION
Protect a proportion of your regular income if illness or injury prevents you from working, helping you continue meeting essential financial commitments.
Our Income Protection Solutions
- Short-Term Income Protection — Provides financial support for a defined period if you are unable to work due to illness or injury.
- Long-Term Income Protection — Offers ongoing monthly payments until you return to work, retire, or reach the end of the policy term, subject to policy conditions.
- Employed and Self-Employed Cover — Tailored solutions for salaried employees, company directors, contractors, and self-employed individuals.
- Mortgage & Lifestyle Protection — Designed to help maintain mortgage payments and essential living costs during periods of incapacity.
Benefits of Income Protection
- Regular monthly income if you're unable to work
- Helps maintain your lifestyle and financial commitments
- Supports mortgage and household expense payments
- Available for employed and self-employed individuals
- Long-term financial security during recovery
- Tailored cover based on occupation and income
- Peace of mind for you and your family
BUSINESS PROTECTION
Protect your company's continuity, ownership, and financial commitments against the unexpected loss or illness of key people.
Our Business Protection Solutions
- Key Person Protection — Provides a lump sum or regular benefit to a business if a key employee or director dies or suffers a serious illness, helping offset potential loss of revenue, recruitment costs, and business disruption.
- Shareholder Protection — Ensures that remaining shareholders have the funds available to purchase the shares of a deceased or critically ill shareholder, helping maintain control and continuity of the business.
- Business Loan Protection — Provides funds to repay outstanding business loans, overdrafts, commercial mortgages, or other borrowing obligations upon the death or critical illness of a business owner or key individual.
- Relevant Life Insurance — A tax-efficient life insurance solution for directors and employees, providing valuable death-in-service benefits outside of a registered group life scheme.
- Partnership Protection — Helps remaining partners acquire the share of a deceased or critically ill partner, reducing uncertainty and protecting the future of the business.
Benefits of Business Protection
- Safeguards business continuity
- Protects shareholders and business owners
- Helps repay outstanding business debts
- Provides financial stability during difficult periods
- Supports employee and stakeholder confidence
- Tax-efficient solutions available for directors and businesses
- Tailored protection for businesses of all sizes
OUR COMMITMENT
From residential mortgages and property investment to commercial finance, business funding, development finance, and protection, Vista Solutions brings together specialist expertise and access to a broad lender and provider network. We take the time to understand each client's circumstances and objectives, providing clear guidance and practical funding options designed to support their financial goals with confidence.
DISCUSS YOUR REQUIREMENTS
Our specialists are ready to find the right solution for you.