Property Finance
We offer a range of property finance solutions tailored to your business needs. Whether you’re buying commercial property and want to explore commercial mortgages, funding a refurbishment or development with development finance, building or managing a buy-to-let/HMO portfolio, or need a short-term bridging loan to cover a funding gap, we can provide flexible and competitive options. Our team will guide you through the process so you secure the right funding to support your property ambitions.
Commercial Mortgages
A commercial mortgage is a loan designed for businesses to purchase, refinance, or expand commercial property. Whether you’re acquiring an office, upgrading facilities, or refinancing an existing site, this type of finance lets you spread property costs over a fixed term with manageable repayments.
With deep market access and lender relationships, Essential Finance Partners helps you compare options and secure terms aligned to your goals.
Acquire New Property
Finance offices, retail, industrial units or warehouses without tying up working capital.
Refinance Existing Property
Access equity, reduce rates, or extend terms to improve cash flow.
Flexible Terms
Typical terms range from 5–30 years, tailored to your strategy and cash flow.
Potential Tax Benefits
Interest may be tax-deductible—your accountant can advise for your circumstances.
Cash Flow Stability
Spread costs via fixed repayments, preserving capital for hiring, growth, and operations.
Development Finance
Development finance funds construction, renovation, or redevelopment of residential and commercial property—covering land, build costs and more, often via stage drawdowns.
Let Essential Finance Partners help from land acquisition through to exit.
New Builds
Land purchase, planning, construction—structured to your project timeline.
Refurb & Redevelopment
Fund structural works or upgrades to enhance value and salability.
Flexible Structures
Short-term facilities through to full development loans, tailored to each phase.
Staged Drawdowns
Funding released as milestones are met, helping manage project cash flow.
Buy-to-Let & HMO Funding
Finance tailored for rental properties—whether single lets or HMOs—so you can acquire, convert, or refinance while aligning repayments with rental income.
Flexible Terms & Repayments
Options include interest-only; terms can extend up to ~35 years with suitable lenders.
Structures to Suit You
Personal, Ltd Co SPV, portfolio landlords, and many non-UK resident profiles considered.
Why Use BTL & HMO Finance?
- Maximise yields—HMOs can generate multiple income streams.
- Manage cash flow with lower monthly outgoings via interest-only options.
- Fund renovations/conversions to boost value and demand.
- Scale your portfolio while spreading costs over time.
- Release equity from existing properties to reinvest.
We’ll guide you through lender criteria and structuring to fit your strategy.
Bridging Facilities
Short-term property finance to bridge gaps—useful for auctions, chain breaks, refurb-to-sell, or while arranging longer-term funding.
Our lender panel supports fast decisions and competitive terms.
Speed
Access funds in days where the case fits—ideal for time-critical opportunities.
Flexible Terms
Typical durations from a few months up to ~24 months; often interest-only.
Versatile Uses
Purchase, refinance, light/heavy refurb, or capital raise—subject to lender criteria.
Frequently Asked Questions
What deposit would I need to get a commercial mortgage?
Typically 20%–40% of the purchase price, varying by lender, borrower profile, and property type.
What can a commercial mortgage be used for?
Purchasing or refinancing offices, retail, industrial units, warehouses and other commercial premises.
What is bridging finance?
A short-term loan that “bridges” the period until a sale completes or longer-term funding is arranged.
How quickly can bridging finance be approved and what is it used for?
It can be fast (days on simple cases), subject to valuation and credit. Common uses include auction purchases, refurbishments, or preventing chain collapse.
With development finance, do I need to provide security?
Yes—typically personal/Director guarantees and a charge over the property or site being funded.
What is an HMO?
HMO = House in Multiple Occupation: usually 3+ tenants forming more than one household. Specific licensing and rules may apply.
What deposit is required for a buy-to-let mortgage?
Commonly 25% minimum, but lender criteria vary and your situation may allow alternatives.
Obligation Free Quotation
Call us or drop us a quick message to get your obligation-free quotation in minutes.
Call Us
Nottingham: +44 1156 860985
London: +44 2038 860985
Email Us
info@essentialfinance.co.uk
Open Hours:
Mon–Fri: 9:00–17:00