Got stacks of F2F paperwork here if anyone wants to know something specific I can try and help out.
When I discussed using F2F with my solicitor his first response was “give me a couple of days to speak to some other clients, I may be able to find you a better rate than F2F” he was essentially asking some of his other wealthier clients if they’d like to loan me the money - all drawn up through him. Apparently a reasonably common practice in farming / estate law.
I once looked at buying buying a barn conversion off my uncle, and was looking at a form of private mortgage / rent to buy scheme between he and I. I discussed this with the same solicitor and he said it would be very easily done, I just agree terms with my uncle, then a charge is placed on the land registry title that Mr Smith is entitled to £xxx or owns a share in this property until the debt is repaid or something along those lines (lawyer speak).
Similar in a a way I suppose to a standard mortgage, you can’t sell the house without paying back whoever you have borrowed from.
Thats is a very basic of my understanding of it anyway, over to the many here that are more intelligent than I!