Property Finance

We work with the country’s leading lenders to provide your property and development finance. Our experience enables us to obtain a range of funding options for you to consider and so structure the most appropriate finance for your project.

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Our Property Finance promise

Our experience enables us to give you the best advice and source the most appropriate finance for your venture. Whether its development finance, commercial mortgages or short term bridging loans, we will work with you to find the best option for your project.

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What's included in Property Finance?

Property comes in all shapes and sizes and we can support businesses in most cases:

Commercial: Offices, retail units, small commercial units and large distribution warehouses

Residential: Houses, flats and HMOs (house in multiple occupation)

Student accommodation: Large and small schemes, private lets and tied arrangements with universities

Mixed use schemes are also supported.

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Commercial Mortgages

Commercial mortgages can be used to fund a wide variety of property types including full commercial or mixed-use properties and even land.

Lenders tend to view applications on an individual basis, so how your application is positioned is critical. We structure the deal to support your business and the lender criteria, getting the best for your business.

Whether it’s required to purchase or refinance business premises; for established properties or design and builds (for owner occupier status) we can achieve the optimum structure for you. Pension lending is also an option.

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Property Investment/Buy To Let

We understand the potential of property investment but also the pitfalls, so you can count on our knowledge and financial know-how to help you develop and grow your property portfolio. This includes residential buy to let portfolios as well as commercial property investments.

Property investment can drain money as easily as it can give you returns, so it’s imperative you have the right financial product behind it.

We assess your long term plans and establish suitable lenders for you and your portfolio.

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Property Development

Property development is all about maximising your margins to secure a strong profit.

Development finance costs vary widely depending on the lender and structure, meaning planning and finding the right funder are critical.

We support both aspects to achieve an optimum structure for you, working with lenders across the property development finance market which ultimately save you money and deliver your funding on time. Heavy refurbishment projects might require development finance too.

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Bridging Finance

Bridging finance is typically a short term, flexible product which can be used in many scenarios. This could be acquiring, refinancing or refurbishing commercial or residential property. It will often facilitate heavy or light refurbishment or the completion of a project as cash flow tightens.

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Auction Finance

Auctions can be a quick way to buy a property or land at a discounted price, but you need to have the capital to hand to finance the deal. We work with lenders who specialise in finance for property purchases at auction, so you are able to act swiftly.
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Pension Lending

To apply for this type of property-backed, pension-linked borrowing, you’ll need either a self-invested personal pension (SIPP) or a small self-administered scheme (SSAS). SIPP and SSAS loans are structured finance solutions that allow you to buy a commercial property through a pension scheme.

Contact us to speak to a specialist for more information

Leave your details below and we will be in touch with more on how to start your journey with us

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FAQs

What is property finance?

There are a range of property finance options available for investors, developers and landlords to access, generally secured against the property and/or land:
 

  • Commercial mortgages
  • Auction finance
  • Bridging finance or development finance
  •  
    Property finance for developments are generally short term loans to cover the costs of converting an existing property or developing land into flats, houses in multiple occupation (HMOs), or alternate uses. It is normally advanced as a loan, secured against that property or land asset.

    What is a commercial mortgage?

    It is used to purchase commercial property such as retail units, offices, industrial units or to even consolidate larger Buy-to-Let portfolios.

    Either the property is being purchased as an investment and will ultimately be let, or it is ‘owner occupied’, when the business trades from that address. Different lenders offer different terms depending on the circumstances.

    Principally it works in the same way as a private mortgage to finance the cost of a large purchase.

    What is auction finance?

    Auctions can be a quick way to get a property at a discounted price, but you need to have the capital to hand to finance the full deal. There are lenders who specialise in finance for property purchases at auction.

    Is there a difference between bridging finance and development finance?

    Both of these options generally facilitate short-term funding to cover costs of building and development costs. Different lenders or investment platforms will vary their criteria but typically, bridging finance will facilitate light refurbishment or the completion of a project as cash flow tightens, and development finance will allow for more major work such as heavy refurbishment or renovations, and most commonly for ground-up development projects.

    What's the best way to finance commercial property?

    Rates tend to be lower when the property is used as security, so a commercial mortgage tends to offer lower interest rates than a business loan and is usually seen to be the best route to finance commercial property.

    How do I get a loan for property development?

    All successful property developers are good planners and getting the right finance in place is a crucial ingredient in development success. Finance for property development is a complex area and one of the first steps in determining the type of finance needed is to assess how extensive the project is, how long it will take, and how much it is likely to cost — in both the best- and worst-case scenario. The type of loan you get will depend on what you need the funds for.
    If you've got the right exit strategy in place and the lender deems you eligible, you can get a loan for property development.

    How we work

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    Fact Find and Situation

    We’ll discuss your current situation and immediate requirements, as well as gain an understanding of your longer term goals to ensure your finance requirement complements your business goals.
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    Assess and Analyse

    Review of your business financials and information to ascertain the debt capacity within your business to ensure the all important affordability and your ability to repay any debt.
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    Research and Model

    Explore all options available suiting your needs and model the various solutions, providing comparable terms and structures from a range of lenders to support your decision making.
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    Recommend and Apply

    Outline the advantages and disadvantages of the range of solutions sourced so you can identify the most suitable deal for you . We complete the application to the chosen lender on your behalf, managing it through to completion.

    Leave your details below and we will be in touch with more on how to start your journey with us

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    Recent case studies

    Read some of our recent real life examples of how we have helped others with finance for commercial and residential development and purchases.

    Hospitality

    Hospitality

    Our client, a husband-and-wife partnership, has spent the last 40 years successfully growing their food-led hospitality business with a small B&B property adjoining, which plays a large part in the Lincolnshire tourism economy. The impact of COVID closing down...

    read more
    Car Showroom

    Car Showroom

    Our client purchased land in a city centre in 2007 and operated a car dealership from it for 12 years. In 2019, after securing planning permission to develop the site to build 28 apartments the client moved its car dealership to another location. A deal to sell the...

    read more
    Leisure

    Leisure

    Our client is a seasonal business in the leisure sector, with their prime activity being one which typically most lenders have limited appetite for. They needed a loan structure that would reduce their monthly repayments and significantly increase the cashflow to...

    read more

    Don't just take our word for it

    Take a look at what our happy customers had to say about our service

    "Working with FUNDING ROUND for finance makes my job easier! No matter how complex the deal, they take the lead and ensures the i's are dotted and the t's crossed."

    - Neil Smith

    "The service was great - very quick turnaround and kept me informed at all times. They even chivvied the dealer along but all in a very competent and professional way."

    - Darren Round

    "FUNDING ROUND opened my eyes to the benefits of using finance to develop my business - great advice! Useful to have a sounding board out there to look at different ways to grow. Plus FUNDING ROUND offer a great service to find the right finance solution! They even sourced the product for me and took the hassle out of searching around."

    - Matt O'Mara

    "We have worked with FUNDING ROUND over many years and have a valuable relationship benefitting both parties. Long may it continue!"

    - Dan Hutchinson

    "FUNDING ROUND are great at finding the right finance deal for us. They are thorough in their understanding of the challenge and tenacious in finding the best solution for us! Speed and reliability of service are excellent and dependable."

    - Mike Neale

    "Good professional service, highly competitive and knowledgeable - nice people to deal with too which always helps!"

    - Melvyn Cross

    "Our company have had the pleasure of dealing with FUNDING ROUND for a number of years. Often they have been able to obtain a favourable deal for us where others have struggled or failed completely. They are always quick to respond, very friendly and professional."

    - David Wright

    "As a fairly new customer to FUNDING ROUND, I have been very impressed at the professionalism and speed of service. Great pro-active communication too - keeps me informed!"

    - TM, East Midlands manufacturer

    “I found the process with Julia excellent. She was incredibly helpful, did all the legwork, took responsibility, had excellent knowledge of commercial mortgages and banking, and, importantly, got the best rates!”

    - Manufacturing Business

    "It was immediately obvious that FUNDING ROUND knew exactly what they were talking about and they very quickly found an appropriate lender. The company’s knowledge was excellent, they kept me informed throughout the process and I genuinely believe the deal wouldn’t have been done without FUNDING ROUND."

    - Hospitality Business

    "The things that stood out for me were how responsive and helpful FUNDING ROUND was. Ours was a complicated commercial property borrowing arrangement needing a specialist broker and FUNDING ROUND was perfect. I would definitely recommend and refer you, and have done so already."

    - Commercial Property Investor