< p>Just Cash Flow PLC will be introducing its PortfolioBuilder facility at the NACFB Commercial Finance Expo this month in order to show commercial brokers that there are more options for property professionals.

Business lender Just Cashflow will be showcasing its PortfolioBuilder facility at the NACFB Expo on 17th June to show how to unlock billions of pounds from UK property professionals’ portfolios.

Research by the lender has revealed that £70bn has been added to buy-to-let equity over the last two years while house prices have risen 15% nationally.

London house prices however have grown by a dramatic 30%.

“Our research shows property professionals are equity rich but options poor,” said Just Cashflow Director John Davies.

“This is because prior to the financial crisis many had the foresight to take out tracker mortgages around just 0.5% to 1% above Base Rate.

“Understandably, the last thing they want to do is unlock the equity in their portfolios by remortgaging as this would significantly increase their overall borrowing costs.

“This can be extremely frustrating as they are unable to use their equity to take on additional properties or improve their housing stock.”

These frustrations led the lender to introduce the PortfolioBuilder facility, a flexible bridging solution from £10,000 to £500,000 for established UK property businesses that own at least one commercial property, including buy-to-lets.

The facility operates in one of two ways.

Firstly, as a replica of a normal bridging loan when a much larger amount of funds is required for a new purchase.

Secondly, as an exact replica to a normal bank overdraft which helps flatten out issues such as late rental payments and allows the release of funds to carry out repairs and improvements.

This product will also be a useful facility to put in place while going through what can be the lengthy process of gaining a second charge loan.

“Our key focus at the NACFB Expo (Stand C11) is to introduce the PortfolioBuilder facility to Commercial Brokers,” added John.

“We believe it is a great way for them to approach existing and potential property professional customers with the key to unlocking the rapidly growing equity in their portfolios.”

As Just Cashflow is a business lender and not a property lender, the diligence is based on how the business is being managed and who is managing it.

This, although only part of the lender’s consideration when underwriting a case, results in potential access to loans at much higher LTVs if security is taken over real assets.