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Property Finance

Real estate development & management funding made easier!

For commercial, residential, or hybrid-land use, property finance ensures all the cost borne for land, development, or refurbishment is easily achievable. Explore the best property finance options for your venture.

Table of Contents

What is Property Finance?

Property Finance allows you to fund all your real estate ventures for growth. It is an umbrella term for different loan options under its cover such as bridging loans, mortgages, term loans, and personal loans too. Although at first, it may seem complicated we assure you to explain everything about property finance clearly and simply. Henceforth, you can make an informed and educated decision on the best financial instrument for your venture.

From short-term loans for property refurbishment to long-term mortgages for a new property asset, there are several options available under Property Finance to cover the funding needs of your ambitious projects. Alternative Finance tools such as Property Finance can help you realize your real estate dreams better than with the help of traditional banks.

Key Construction Ventures Suitable for Property Finance

If your business belongs to the following categories of centuries then you have a high chance of acquiring loans under the Property Finance scheme.

  • Residential Property Development
  • Land Acquisition
  • Property Acquisition
  • Commercial Property Development
  • Mezzanine and Development bridging
  • Residential & Commercial Property refurbishments
  • Property Auctions

Who can apply for Property Finance?

Following are the key requirements to avail of property loans in the UK:

  • LLPs (limited companies, limited liability partnerships) or registered sole UK trading business with a UK-based bank account.
  • Suitable Trading History

Appropriate Permission Documents

  • Minimum Develop Asset (Capital)
  • Businesses of any size, large or small, can apply for and get property finance benefits if they adhere to the above standards and certain terms and conditions of lenders.

Checks on the following key factors may also be made for transparency and secure loan reimbursement.

  • Annual Turnover
  • Historical Profit/ Loss Rates
  • Bank statements
  • Trading history
  • Credit Score

What are the advantages of Property Finance?

One can achieve a diversified set of real estate goals using Property Finance. It does not limit the developer to certain aspects of development rather facilitates the entire ecosystem of construction from residential to commercial and everything in between.

Borrow Big, Build Bigger

Property Finance allows borrowers to borrow large sums of money to carry out exhaustive and large-scale projects.

Better Chances of Funding

It is a lot easier to get funded through Alpha Funding than some traditional banks. The loan amount is sanctioned much faster at Alpha Funding.

Umbrella Loan

You need not apply for different types of funding for different property objectives. Property finance covers all expenses from A to Z of the property development.

Frequently Asked Questions

Alpha Funding offers fast-track applications and processes to get funded using property finance. Our finance partners and lenders are more than happy to help businesses recover/grow during this economic crisis following the pandemic. Following are the property development options available for developers.

  • Commercial Mortgages
  • Bridging Finance
  • Auction Finance
  • Mezzanine Finance
  • Portfolio Finance
  • Commercial Buy-to-Let Mortgages
  • 100% Joint Venture Finance

Contact us to know more about each of them in detail.

At most, the majority of property finance loans take care of the capital requirements of a business for a duration of 18 to 24 months. It all depends on the nature of the project. Smaller projects have short-term loan tenure whilst the larger projects one longer.

A minimum of 6-month term is allowed for all development projects.

It depends on the amount you borrow. If you pay a handsome upfront amount as a down payment, you are in for lower repayments rates. Typically, the interest rates are in the range of 4.5% to 5% per annum.