Property Finance Sectors We Support
Property Finance Sectors We Support
We arrange property finance across a wide range of sectors, from short-term bridging and development funding to buy to let, commercial, portfolio, and international property finance. Each type of lending is designed for a different purpose, and choosing the right structure can make a significant difference to speed, flexibility, and long-term cost.
Property Finance
We arrange property finance across a wide range of sectors. Each type of lending is designed for a different purpose, and choosing the right structure can make a significant difference to speed, flexibility, and long-term cost.
1. Bridging loans
What are they?
Bridging loans are short-term property loans designed to provide fast access to funds, usually until a longer-term finance solution is arranged or a property is sold. They are commonly used when timing is critical and a traditional mortgage would take too long or not fit the circumstances.
Who uses them
Bridging loans are typically used by property investors, developers, landlords, business owners, and homeowners who need to move quickly.
What they are used for
They are often used to:
- purchase property at auction
- secure a property before selling another asset
- refinance an existing loan at short notice
- fund light refurbishment works
- buy properties that are not currently suitable for a standard mortgage
- resolve temporary cash flow or chain-break issues
Because bridging finance is short-term by nature, it is usually taken with a clear exit strategy in place, such as sale of the property or refinance onto a longer-term product.
2. Development finance
What it is?
Development finance is a specialist funding solution for building projects, from ground-up construction to major conversions and heavy refurbishment schemes. Funds are typically released in stages as the project progresses.
Who uses it
Development finance is mainly used by experienced property developers, investors, builders, and development companies.
What it is used for
It is commonly used to fund:
- residential ground-up developments
- commercial development projects
- conversion of existing buildings
- heavy refurbishment schemes
- mixed-use developments
- land purchases with planning potential
This type of finance is designed to support the full development cycle, helping borrowers manage build costs, labour, materials, and project milestones before selling or refinancing the completed scheme.
3. International property finance
What it is?
International property finance refers to funding for property purchases, refinancing, or investment involving overseas borrowers with cross-border requirements. These cases are often more complex than standard UK transactions and will require specialist lender knowledge.
Who uses it
It is typically used by overseas investors, expatriates, international landlords, foreign nationals purchasing in the UK, and clients with international income or assets.
What it is used for
International property finance can be used for:
- buying residential or investment property overseas
- purchasing UK property as a non-UK resident
- refinancing existing overseas property
- structuring finance for international investors
- funding cross-border property portfolios
- supporting clients with multi-currency or overseas income profiles
These transactions often require tailored advice because lending criteria, legal structures, tax considerations, and security arrangements can vary significantly between jurisdictions.
4. Commercial property finance
What it is?
Commercial property finance is used to purchase, refinance, or release equity from properties that are used for business purposes rather than as standard residential homes.
Who uses it
It is commonly used by business owners, commercial landlords, property investors, pension structures, and developers.
What it is used for
Commercial property finance is often arranged for:
- offices
- retail units
- industrial sites and warehouses
- hotels and guest houses
- care homes and specialist trading businesses
- mixed-use properties
- semi-commercial investments
It can be used either by businesses buying premises to trade from, or by investors purchasing commercial assets to generate rental income. Terms are usually structured around the property’s income, the borrower’s profile, and the strength of the asset.
5. Buy to let mortgages
What they are
Buy to let mortgages are designed for residential properties that are being purchased or refinanced as investment assets rather than as the borrower’s own home. They are one of the most common forms of property investment finance in the UK.
Who uses them
They are mainly used by private landlords, first-time investors, limited companies, and experienced property investors.
What they are used for
Buy to let mortgages are typically used to:
- purchase rental properties
- refinance existing buy to let assets
- raise capital against investment properties
- improve cash flow through better rates or terms
- build a long-term residential investment portfolio
These mortgages are generally assessed based on rental income as well as the borrower’s wider circumstances, and can be arranged for single properties or more complex investment structures.
6. Portfolio finance
What it is?
Portfolio finance is a funding solution for borrowers who own or want to finance multiple properties under one structured arrangement. It is designed for landlords and investors with larger or more complex holdings.
Who uses it
Portfolio finance is most often used by professional landlords, portfolio investors, limited companies, and high-volume property businesses.
What it is used for
It is commonly used to:
- refinance multiple properties together
- simplify borrowing across a portfolio
- raise capital for further acquisitions
- restructure existing lending
- improve management of larger property holdings
- support growth strategies for professional landlords
Portfolio finance can offer greater flexibility than arranging separate loans for each property, particularly where the borrower wants to manage a wider range of assets under a more strategic lending structure.
Shorter website version
- Bridging loans – Short-term finance used to secure property quickly, bridge a funding gap, or refinance before a sale or long-term mortgage.
- Development finance – Funding for ground-up builds, conversions, and major refurbishment projects, usually released in stages.
- International property finance – Specialist finance for overseas property transactions, non-UK residents, expatriates, and cross-border investors.
- Commercial property finance – Finance for business-use properties such as offices, shops, warehouses, and mixed-use assets.
- Buy to let mortgages – Mortgages for residential investment properties that are rented out rather than owner-occupied.
- Portfolio finance – Structured funding for landlords and investors with multiple properties, often used to refinance or grow a portfolio.
