Property investment funding

If you're an experienced landlord looking for an investment loan to give you the flexibility needed to grow or refinance your holdings, our residential investment loan could be the right option.

A product designed for high-value individual assets or larger residential portfolios delivered in line with our relationship-led approach gives you the power to reach your property goals. Whether you're acquiring a block, refinancing existing stock or restructuring debt across a portfolio, we're ready to work together and build a new legacy with you.

Key features

• Loan sizes from £1m to £6m (indicative)
• Terms from 1 to 5 years
• Interest-only or amortising repayment options
• Up to 70% Loan-to-Value (LTV)
• Up to 30-year amortisation profile available (on longer-term options)

These loans are best suited to professional investors with a clear hold strategy, rental income in place, and assets in prime or high-demand locations.

If you're an investor looking to add value to a property through refurbishment, we offer tailored short-term funding for projects that don't require planning permission or major structural work.

We'll work closely with you to understand the scope of works, end value, and exist strategy. Depending on your needs and the project details, we can build flexibility into the loan to help you stay agile. As always, we take a collaborative, relationship-led approach and work alongside you to get the right result for all.

Key features

• Loan sizes from £250k to £2m
• Terms up to 3 years
• Up to 70% of the purchase price or property value (whichever is lower)
• Further advances may be available post-refurb, subject to updated valuation

This product is ideal for light to moderate refurbishments, including upgrades to meet energy efficiency standards.

Our commercial investment loans are tailored to those seeking funding for the acquisition of commercial properties, including mixed-use schemes, student accommodation and HMOs.

We always work collaboratively and with a relationship-led approach. That means whether you're managing a long-term income-producing asset or repositioning for sale or refinance, we'll structure funding around your objectives and portfolio strategy.

Key features

• Loan sizes from £350k to £6m
• Terms from 1 to 5 years
• Amortisation profiles up to 25 years
• Up to 65% Loan-to-Value (LTV)
• Available for individual assets or portfolios

Our commercial investment loans are designed for experienced investors who value a responsive, relationship-led funding partner.

Our bridging loans are built for speed and structured with flexibility in mind, perfect for short-term opportunities like auction purchases, urgent acquisitions, and light to heavy refurbishments.

Always built on the foundation of a positive and productive relationship, we can align funding with your timescales and exit route.

Key features

• Loan sizes from £100k to £5m (indicative)
• Terms up to 18 months
• Interest can be fully retained, part-retained or serviced quarterly
• Up to 75% LTV (residential), 70% (mixed-use), 65% (commercial)
• Refurbishment drawdowns available against works progress
• Green incentive: EPC A/Passivhaus completions may qualify for a rebate on interest at exit

Whether you're repositioning a property ahead of a sale or refinancing, this facility is ideal for professional investors or landlords with a clear plan to enhance value.

When senior debt doesn't go far enough, our mezzanine facility can bridge the gap.

This product is ideal for acquisitions or developments where you need extra leverage. As an experienced investor, this second-charge funding will offer you the flexibility to move quickly without over-stretching your equity.

Key features

• Loan sizes from £100k to £1.5m
• Terms up to 24 months
• Up to 85% LTV on residential acquisitions
• Up to 100% of project costs (subject to GDV cap)
• Capitalised or serviced interest options

We structure mezzanine facilities on a deal-by-deal basis, working alongside your senior lender to ensure smooth execution and clearly defined security positions. Always delivered in line with our relationship-led approach, we'll help you get your property vision over the line.