Expert Mortgage Broker in Salford, Lancashire

Tailored Advice for Commercial & Semi-Commercial, Buy-to-Let, HMO, Bridging Finance & Limited Company Mortgages

Salford is one of the key areas where Ralph Graff offers mortgage and insurance services. Whether you’re purchasing your first commercial premises, expanding a rental portfolio, or securing bridging finance, Ralph provides expert guidance that reflects real UK lending standards.

Mortgage Broker Salford, Lancashire: Focused on Specialist Lending

As a Mortgage Broker in Salford, Lancashire, Ralph Graff delivers practical advice that supports real-world property goals. His expertise covers:

✔ Commercial & Semi-Commercial Mortgages
✔ Buy-to-Let and HMOs
✔ Bridging Finance
✔ Limited Company Mortgages
✔ General Insurance

Salford and surrounding towns benefit from his honest, tailored advice built around current market criteria and lender preferences.

Bridging Finance: Fast, Practical, FCA-Regulated

Bridging finance is a short-term solution, useful for auction purchases, development opportunities, or sales delays. Ralph Graff works with regulated lenders who offer fast decisions, even when traditional mortgages are not possible.

Key features:

✔ Loans from £50,000 to several million
✔ Available for residential, mixed-use, and commercial buildings
✔ Suitable for purchase, refinance, or capital raising
✔ Flexible repayment terms from 1 to 24 months
✔ No early repayment penalties with most lenders

Every case is assessed on exit strategy, property type, and borrower profile—ensuring realistic approvals, not empty promises.

Commercial and Semi-Commercial Mortgages

For business owners or investors, Ralph supports clients buying shops with flats, industrial spaces, or retail offices. These loans often involve higher deposits and specialist underwriting. Ralph helps clients present their finances clearly, improving success with lenders that understand mixed-use properties.

He ensures:

✔ Accurate income evidence, including rental projections
✔ Advice on property valuations and lender criteria
✔ Access to high street and specialist lenders

Buy-to-Let and HMOs in Salford

Whether you’re letting a single unit or managing a House in Multiple Occupation (HMO), Ralph provides guidance suited to landlord needs. He understands local licensing rules and lender conditions for:

✔ Multi-let properties with shared facilities
✔ Student or working tenant arrangements
✔ Properties over three storeys or with more than four tenants
✔ Ralph assists in identifying lenders that welcome experienced and first-time landlords alike.

Limited Company Mortgages

Property investors using SPVs (Special Purpose Vehicles) benefit from Ralph’s experience with limited company structures. He can:

✔ Compare lender rates for Ltd Co applicants
✔ Assist with SIC code and structure review
✔ Explain legal obligations and lender requirements

This is ideal for landlords scaling portfolios or reducing personal tax exposure under Section 24.

General Insurance Guidance

Every property needs protection. Ralph helps clients arrange:

✔ Buildings and contents insurance
✔ Landlord insurance for rental units
✔ Cover that meets lender and legal requirements
✔ All policies are FCA-regulated, with no hidden terms.

Areas Near Salford That Ralph Also Covers

If you’re not based in central Salford, Ralph also provides mortgage support in the following Lancashire towns:

✔ Bury ✔ Bolton ✔ Rochdale ✔ Oldham ✔ Wigan ✔ Blackburn

Clients in these areas receive the same high standard of care, local market insight, and clear mortgage solutions.

Why Work With Ralph Graff in Salford?

✔ Based in Lancashire with deep knowledge of Salford’s housing stock
✔ FCA-regulated for full compliance and protection
✔ Strong lender relationships in commercial and buy-to-let sectors
✔ No jargon—just clear, structured advice based on UK criteria
✔ Fast turnaround for bridging finance and complex applications

Salford continues to be a high-demand area for investment and business. With expert advice from Ralph Graff, securing the right mortgage is simpler, faster, and fully aligned with UK expectations.