FINANCE OPTIONS

^Property Finance - Get a Quote

Q: What is the typical borrowing range for property finance?

Property finance loans usually range from £25,000 up to £50 million. The amount available to your business depends on the project scale, your organisational creditworthiness, and the value of the property involved.

Q: How long does it take to get property finance?

Approval times range from 1 to 8 weeks initially and funds can be available between 1 and 12 weeks from final approval. Readiness of documents and property complexity can affect these timescales.

Q: What are the typical rates and fees for property finance?

Interest rates commonly fall between 3% and 9%. Arrangement, appraisal, and legal fees may also apply, with the overall rate shaped by your risk profile and property details.

Q: Are property finance lenders regulated in the UK?

Yes, all property finance lenders are regulated by the Financial Conduct Authority and must follow strict UK lending standards to ensure borrower protection and due diligence.

Property finance gives UK businesses access to loans for purchasing, developing, or refinancing residential, commercial, or mixed-use properties. This type of funding supports a range of objectives, from acquiring new premises to undertaking property development or refurbishment. Many SMEs turn to property finance to unlock growth opportunities or secure capital for large projects. With flexible borrowing options, this finance can facilitate expansion, investment in infrastructure, and help businesses achieve long-term goals tied to the property market.

Property Finance

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^Benefits of Property Finance

Property finance provides flexible and substantial funding solutions to meet property-related business goals. It helps businesses move quickly on new opportunities and adjust to changing market needs, all while supporting asset growth. Interest rates for property finance typically range between 3% and 9%. Approval times vary depending on the finance type and preparation of documents, from as little as 1 week for bridging loans up to 12 weeks for larger projects.

Sustainable investments

Access to better rates

Portfolio diversification

SCALE YOUR BUSINESS TO NEW HEIGHTS

Key Types of Property Finance

Commercial Mortgages

Commercial mortgages suit UK businesses seeking to purchase or refinance offices, warehouses, or retail property. Loans typically range from £50,000 to £5 million, with variable terms and rates.

Commercial Mortgages

Commercial mortgages are ideal for businesses with strong financials and clear property plans, typically requiring a deposit of 20-40%. Applications involve detailed property and business information, followed by lender due diligence and property appraisal. Terms extend from 5 to 25 years, and the process usually takes 4 to 12 weeks. This type supports long-term investment and expansion for companies looking to secure property assets.

Bridging Loans

Bridging loans offer rapid funding from £25,000 to £10 million for quick property purchases, chain breaks or while awaiting long-term finance. Suitable for developers and businesses needing immediate liquidity.

Bridging Loans

Designed for speedy access, bridging loans are secured against property and focus on your exit strategy. They carry monthly interest rates of 0.5% to 1.5%, and application approvals can take as little as 1 week. Funding periods span 1 to 24 months, making them suitable for transition periods or securing properties before main finance is arranged.

Development Finance

Development finance helps fund ground-up construction, refurbishment, or large-scale property projects, typically from £150,000 up to £50 million, over 6 to 36 months.

Development Finance

This finance is aimed at developers or businesses with robust project plans and permissions in place. Funding is usually drawn down in stages as the project progresses, based on interim milestones. Interest rates range from 4% to 9% annualised, with decisions typically within 4 to 8 weeks. It is well suited for extensive developments in housing or commercial infrastructure.

Typical Funding Journeys on Funding Agent

Submit your funding request

Our platform enriches your application using business data

Your request is matched to suitable lenders

Receive offers and proceed with the best option

How Funding Agent Helps You Access Property Finance

Submit Your Inquiry

Provide basic details about your business and property needs using our straightforward online application form to kick-start the process.

Connect with Lenders

We introduce your application to a panel of suitable lenders, enabling tailored discussions around your objectives and options.

Complete Your Application

Work with your chosen lenders to finalise documents and undergo due diligence, ensuring a smooth progression from approval to funding.

Get Funding For your business

Generate offers

Real Scenarios

Construction Company Needing Fast Working Capital

Situation

A construction firm had a short-term cash gap before a large invoice was paid and needed £85,000 to cover materials and payroll.

Challenge

Traditional bank applications were too slow; they needed a decision and funds within days.

Outcome

Funding Agent matched them with a lender; they received a working capital facility and bridged the gap until the invoice was paid.

Ecommerce Business Preparing for Peak Season

Situation

An online retailer needed around £120,000 to stock up ahead of Black Friday and the Christmas rush.

Challenge

They wanted flexible terms and a quick turnaround so stock could be ordered in time.

Outcome

Through Funding Agent they secured a facility, placed orders in time and managed peak demand without cash flow stress.

Marketing Agency Using Invoice Finance

Situation

A marketing agency had strong clients and reliable invoices but often waited 60–90 days for payment.

Challenge

They needed to unlock cash tied up in unpaid invoices to pay staff and take on new projects.

Outcome

Funding Agent connected them with an invoice finance provider; they now access funds against approved invoices and smooth out cash flow.

Property Developer Using Bridging Finance

Situation

A developer needed short-term finance to complete a purchase before selling an existing property.

Challenge

They required a fast decision and flexible terms to align with the sale timeline.

Outcome

Funding Agent matched them with a bridging lender; they completed the purchase and repaid the facility when the sale completed.

FAQ’S

What is the typical borrowing range for property finance?

How long does it take to get property finance?

What are the typical rates and fees for property finance?

Are property finance lenders regulated in the UK?

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June 24, 2025

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^Property Finance - Get a Quote

^Benefits of Property Finance

SCALE YOUR BUSINESS TO NEW HEIGHTS

Key Types of Property Finance

Commercial Mortgages

Commercial Mortgages

Bridging Loans

Bridging Loans

Development Finance

Development Finance

Typical Funding Journeys on Funding Agent

How Funding Agent Helps You Access Property Finance

Submit Your Inquiry

Connect with Lenders

Complete Your Application

Get Funding For your business

Real Scenarios

Construction Company Needing Fast Working Capital

Ecommerce Business Preparing for Peak Season

Marketing Agency Using Invoice Finance

Property Developer Using Bridging Finance

Get A Clear Overview of Cost Effective Lenders

FAQ’S

DIVE DEEPER

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