What is Property Finance?

Property Finance entails securing long-term debt, typically backed by commercial or residential freehold properties. There are diverse Property Finance options designed to cater to specific borrower needs.
Similar to residential property loans, lenders conduct surveys on the underlying assets. These surveys evaluate the nature and quality of the construction.
  • Key Eligibility Criteria:
  • GDV (Gross Development Value) 55% – 65%
  • The business is a limited company
  • LTV (Loan to Value) 65% – 75%
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Benefits at a glance

Access Capital

Property Finance gives businesses the capital required to acquire properties, undertake development projects, or invest in real estate. It facilitates the expansion of property portfolios, entry into new markets, or the upgrading of existing properties.

New Growth Opportunities

As property values rise, businesses have the opportunity to accumulate equity, opening avenues to potentially sell or leverage their properties for further growth opportunities.

Spread Risks

Property Finance empowers businesses to diversify their investment portfolio by spreading risk across various properties and locations. This strategic approach aids in mitigating risks linked to relying solely on a single property or market.

  • Most common industries:
  • Real Estate Developers
  • Hotel Chains
  • Retail Complexes
  • Manufacturers
  • Warehousing
  • Medical Facilities
  • Medical Facilities

Types of Property Finance

Various financing options enable businesses to acquire assets like equipment, machinery, vehicles, or property. Here are some options:
    • Bridging Loans: Businesses can use these to secure short-term funding for property acquisitions or refinancing while awaiting longer-term financing or the sale of existing properties.
    • Property Development Finance: This type of finance is utilised to fund the construction or redevelopment of commercial properties.
    • Commercial Mortgages: Commercial Mortgages are long-term loans crafted specifically for purchasing or refinancing commercial properties, including office buildings, retail spaces, or industrial properties.
    • Property Portfolio Finance: This option is designed for businesses with multiple properties, allowing them to consolidate their property portfolio under one loan. This simplifies management and potentially provides access to better financing terms.
    • Equity Release: Businesses with substantial equity in their commercial properties can release cash by securing a loan against the property’s value without selling it.

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