Property Finance

What is Property Finance?

Property finance covers the range of funding solutions available to businesses, investors, and developers looking to purchase, refinance, or develop property in the UK.

Whether you are a business owner looking to buy your own commercial premises, a landlord expanding a buy-to-let portfolio, or a developer funding a new build or conversion project, the right finance solution will depend on multiple factors. Property finance products vary significantly in structure, term length, and eligibility criteria, and finding the most appropriate option requires a clear understanding of the market and access to a wide panel of lenders.

UK Business Finance are specialists in property finance and can help you find the most appropriate form of funding for your requirements.

Our specialist team can arrange funding across the full range of property finance needs, including property development finance, commercial mortgages, buy-to-let mortgages, and bridging finance. 

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With full market access and absolutely no ties to any lender, we can objectively match you with the most effective and cost-efficient source of business finance. Contact our team today!

Benefits of Property Finance

Own your premises: For many businesses, purchasing their own commercial premises is a more desirable alternative to renting. A commercial mortgage allows you to fix your occupancy costs, build equity in the property over time, and remove uncertainty.

Access short-term funding quickly: Bridging finance allows businesses and investors to move quickly on time-sensitive property transactions without waiting for longer-term finance to be arranged. This can be particularly important when purchasing at auction, where completion deadlines are fixed, or when a development opportunity requires fast access to capital.

Fund development without depleting cash reserves: Property development finance allows developers and investors to fund new build and conversion projects by drawing down funding in line with the progress of the works, rather than committing the full amount upfront. This preserves cash reserves and allows multiple projects to be managed at the same time.

Build a long-term property portfolio: Buy-to-let mortgages provide investors with a structured and affordable way to purchase residential investment properties and grow a rental portfolio over time. With terms assessed primarily on rental income, this product is accessible to a wide range of investors.

Access a wide lender panel: Property finance is a specialist area with significant variation between lenders in terms of criteria, rates, and appetite for different property types and borrower profiles. Working with UK Business Finance gives you access to a broad panel of lenders, increasing the likelihood of finding a solution that suits your specific circumstances. 

Commercial finance for the property sector

Invoice finance
Two main forms of invoice finance can provide property-related businesses with a consistent source of working capital. Factoring may be a good option if the business is finding payment collection a problem. Invoice discounting is a similar form of finance, but addresses the need for confidentiality where that is required.

Commercial property finance
A commercial investment property mortgage is just one finance option for businesses intending to rent out property. For buy-to-let investors, a property portfolio mortgage may be the best option.

Asset finance
Asset finance can be used for hard assets or soft assets such as fixtures and fittings or office software. Hire purchase is one form of asset finance that can be useful if the business wants to own the asset at the end of the agreement. Otherwise, leasing can keep cash flow predictable and offers flexibility once the monthly instalments are paid.

Applying for property sector finance

UK Business Finance can help you secure the right type of property sector funding. We are commercial finance specialists with extensive experience in helping property-related and real estate businesses fund new projects and stabilise cash flow.

• Receive a tailored quote  
• A hand-picked panel of lenders to ensure your property finance needs are met with precision 
• We manage the entire application process, presenting your case directly to the funders 
• A highly skilled team with substantial expertise in property finance, dedicated to achieving the right outcome for your project

Please contact one of our team to find out more about the different types of property sector finance and how we find the best solution for you.

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Our team of finance experts can provide industry-leading advice on finance options to suit a range of different scenarios. Call the team on 0808 301 0624 or Contact Us