Michael Wildig:  Castle View Finance Limited | Durham

Michael Wildig is an FCA-Approved Adviser based in Durham, helping clients explore specialist property finance and business funding solutions.

For landlords, property investors, and business owners, the right finance depends on much more than the headline rate. Property type, rental strategy, ownership structure, timescales and the purpose of the borrowing can all influence the options available.

Michael focuses on understanding those details before considering a suitable route forward.

About Michael Wildig

Michael Wildig works with Castle View Finance Limited and supports clients who need specialist finance for property investment, commercial purposes or time-sensitive transactions.

His experience is particularly relevant when borrowing doesn’t fit a straightforward high-street approach.

Michael can assist with:

• Buy-to-let mortgages for property investors and landlords.
• Limited company buy-to-let for properties purchased or held through a company structure.
• HMO finance for houses in multiple occupation, subject to lender criteria.
• Commercial finance for eligible business and commercial property requirements.
• Bridging finance where short-term funding may be appropriate.
• General insurance linked to eligible property or business requirements.

Every application has its own circumstances. Property value, rental income, business performance, ownership structure and exit strategy may all affect the finance available.

Buy-to-Let and Property Investment Finance

Property investors can have very different objectives.

Some may be purchasing their first investment property. Others may already manage a portfolio and need finance for an HMO, a limited company purchase or another investment opportunity.

Michael Wildig can help clients consider suitable buy-to-let finance based on the proposed property, rental strategy and ownership structure.

For limited company borrowing, lenders may assess factors such as the company structure, directors, rental coverage and the type of property being purchased.

HMO applications can involve further considerations, including the number of occupants, property configuration, licensing requirements and projected rental income.

Commercial Finance

Commercial borrowing rarely follows a single formula.

A lender may consider the purpose of the finance, the strength of the business, property type, trading history and the proposed repayment structure.

Michael can assist clients looking for appropriate commercial finance options within his permissions.

This may be particularly useful for business owners, landlords and property investors whose requirements need a more specialist assessment.

Bridging Finance

Timing can sometimes determine whether a property transaction progresses.

Bridging finance provides short-term funding and may be considered where a conventional longer-term facility cannot be arranged within the required timeframe.

Michael Wildig can discuss bridging options for suitable circumstances and help clients understand the importance of having a clear repayment or exit strategy.

Because bridging is generally short-term finance, clients should carefully consider the interest rate, fees, term, and planned exit before proceeding.

General Insurance

Protecting a property or business asset can be an important part of the wider finance process.

Michael can also assist with general insurance within his authorised permissions, helping clients consider appropriate cover for eligible property and commercial requirements.

Location and Availability

Michael Wildig is a mortgage broker in Durham, supporting eligible clients seeking specialist property or commercial finance.

His location gives him convenient access to clients across County Durham and surrounding areas, including:

• Durham
• Darlington
• Bishop Auckland
• Chester-le-Street
• Consett
• Newton Aycliffe
• Peterlee

Clients do not necessarily need to be based close to their adviser. Depending on individual requirements and availability, we may also hold discussions remotely.

Is Michael Wildig the Right Adviser for You?

Michael may be a strong fit if you need help with:

• Buy-to-let property finance.
• Limited company buy-to-let.
• HMO borrowing.
• Commercial finance.
• Bridging finance.
• General insurance.

His specialist permissions make his profile particularly relevant to landlords, property investors, and business owners seeking finance beyond standard residential mortgage requirements.