Property Finance
Tailored Property Finance Solutions That Work for You
Navigating the property finance market has become complex, however with the right guidance and access to the right lenders, it becomes a powerful tool for building wealth and growing your property portfolio. At Finance House Ltd, we specialise in structuring tailored property finance solutions that match your exact requirements, whether you’re an experienced investor, a first-time buyer or a developer looking to take on your next project.
Our team has built strong relationships with both mainstream banks and specialist property lenders, ensuring we can access a wide spectrum of competitive funding options. Whether you need to finance a business development, refinance an investment property or restructure an entire buy-to-let portfolio, we have the expertise and industry insight to help you achieve your financial goals.
Fill out our quick form and a Finance House Limited adviser will be in touch to schedule your FREE consultation.
Tailored Finance for Every Property
Our Approach to Property Finance
At Finance House Ltd, we understand that no two property transactions are alike. That’s why we take the time to assess your current position, long-term objectives and the unique characteristics of your property asset. Our goal is to provide a finance solution that’s both sustainable and strategically aligned with your wider business or investment plans.
From day one, you’ll be supported by experienced professionals who will guide you through the process, liaise with lenders on your behalf, and ensure your funding is secured with minimum disruption.
- Business property acquisitions
- Residential property investments
- Buy-to-let portfolio funding
- Property refinancing and equity release
- Bridging loans for short-term requirements
- Refurbishment and conversion projects
Types of Property Finance We Arrange
Why Choose Finance House Ltd?
Who We Work With
We work with a wide range of clients, including:
- Private investors and landlords
- Property development companies
- Real estate businesses and SPVs
- Business landlords
- First-time property investors
- Business owners acquiring premises
No matter your level of experience or the size of your portfolio, our team can offer valuable insight and access to the funding that’s right for you.
Frequently Asked Questions about Property Finance
What is property finance?
Property finance is a form of funding that enables businesses, investors and individuals to purchase, refinance or develop property without having to rely solely on their own capital. Unlike a traditional residential mortgage, property finance can cover a wide range of needs – from acquiring commercial premises and buy-to-let investments to refinancing existing loans or funding large-scale developments. Facilities can be structured in different ways, such as interest-only or capital repayment, and tailored to align with the cash flow of the borrower. Property finance is particularly useful for those seeking to grow their portfolio, release equity for other investments, or secure funding where standard mortgage routes may not be suitable. At Finance House, we work with a panel of lenders to ensure our clients access competitive terms and finance arrangements that match their short and long-term goals.
Who can apply for property finance?
Property finance is available to a wide range of clients, not just large-scale investors or corporations. Landlords, SMEs, developers and even first-time investors can apply, provided they have a viable project or investment plan. Eligibility criteria often depend on the type of property being financed, the borrower’s experience and the projected rental or resale value. For example, an experienced landlord seeking to expand a buy-to-let portfolio will be assessed differently to a trading business looking to purchase its first premises. Lenders also take into account credit history, deposit size and projected income streams when reviewing applications. Finance House supports all types of clients, from those taking their first step into property investment to seasoned portfolio holders. By presenting your case in the right way and matching you with the most suitable lender, we help improve your chances of approval and secure terms that work for you.
What types of property can be financed?
A wide variety of properties can be financed depending on the lender and your specific needs. Common examples include offices, retail units, warehouses, industrial premises and hospitality venues such as hotels or restaurants. Residential property is also widely financed, particularly for landlords seeking buy-to-let mortgages or refinancing existing investments. Mixed-use developments, such as retail units with flats above, can also be funded, provided the project meets lender requirements. Property finance can extend to more specialised sectors too, including care homes, educational facilities and leisure venues. Each property type carries different levels of risk, which is reflected in the terms offered by lenders. At Finance House, we work with a diverse panel of funders to ensure you are matched with the right product for your circumstances, whether you’re buying a single flat, an entire development site or a new premises for your trading business.
How does property finance differ from a standard mortgage?
While a standard mortgage is typically secured against a residential home for personal use, property finance is more flexible and can be applied to a wider range of assets, including commercial and investment properties. Traditional mortgages are generally assessed on personal income, whereas property finance often considers rental income, projected yields, or the future value of a development. Another difference is that property finance products are usually more bespoke, with terms tailored to the specific project or investment. This can include higher loan-to-value ratios, interest-only options or staged drawdowns for developments. For businesses, property finance is particularly valuable because it frees up working capital and allows premises to be purchased without draining reserves. In short, property finance provides more versatile and project-specific funding solutions compared to the one-size-fits-all approach of standard residential mortgages.
What are the benefits of property finance?
The main benefit of property finance is access to funding that might otherwise be out of reach. It allows businesses and investors to expand portfolios, purchase trading premises, or refinance existing loans on more favourable terms. By structuring finance around the specific needs of a project, borrowers can preserve cash flow, reduce upfront costs and unlock opportunities for growth. Property finance also offers flexibility — whether that’s through interest-only repayments, staged drawdowns for developments, or bespoke arrangements for mixed-use properties. Another advantage is that property finance can be used to release equity tied up in existing assets, providing capital for further investments or working capital support. At Finance House, we ensure our clients not only secure funding but also gain strategic value, with tailored solutions that strengthen financial resilience and open the door to new opportunities.
Start Your Property Finance Journey Today
From refinancing investment properties to funding new purchases, we offer tailored lending support backed by decades of experience. Let’s discuss how we can help secure the right funding for your property goals.