Finance for Property Investors & Portfolio Landlords
From buy-to-let and HMOs to commercial property, auction purchases and development projects, we'll help you find the right funding for your investment strategy.
Planning Your Next Property Investment?
The right finance can make a significant difference to the viability of a property investment.
Whether you're assessing a potential acquisition, refinancing an existing property or planning your next project, we'll help you understand the funding options available and how they could fit your wider investment strategy.
Buy. Refurbish. Rent. Refinance. Repeat.
For many property investors, building a portfolio isn't about a single purchase. It's about creating a strategy that allows capital to be recycled into the next opportunity.
Bridging or refurbishment finance can help you acquire a property that isn't immediately suitable for a conventional mortgage. Once the works are complete, refinancing onto longer-term finance may allow you to release capital and continue growing your portfolio.
The important part is getting the finance strategy right from the beginning.
Trusted by Property Investors
★★★★★
“Gareth is extremely knowledgeable and experienced, which makes every purchase stress free and seamless.”
EMILY
Property Investor
Understanding Your Property Finance Options
There are many different types of property finance available, each designed for different circumstances and investment strategies.
Below, we've outlined the main types of finance we can help with, including how they can be used and some of the key considerations to keep in mind.
If you're unsure which option is right for your circumstances, speak to us. We'll help you understand the options and identify the most appropriate approach for your plans.
Auction & Bridging Finance
When timing matters, traditional finance isn't always the answer.
Bridging finance can provide the speed and flexibility needed to acquire properties at auction, purchase an unmortgageable property or complete a refurbishment before moving onto longer-term finance.
We can help you consider the right short-term solution and, importantly, plan your exit strategy from the outset.
Explore Auction & Bridging Finance →
Buy-to-Let, HMO & Multi-Unit Finance
Whether you're acquiring a single buy-to-let, building an HMO portfolio or financing a multi-unit block, the right lender can make a significant difference.
We work with a range of lenders across the investment property market, helping experienced landlords structure finance around their portfolio, rental income, experience and longer-term objectives.
From individual properties to larger portfolios, we'll help you find an appropriate funding solution.
Explore Portfolio Landlord Finance →
Serviced Accommodation & Holiday Lets
Serviced accommodation and holiday lets can offer attractive income potential, but they aren't treated the same way as standard buy-to-let properties.
Lenders may assess the property's location, projected income, operating model and your experience, so choosing the right lender is particularly important.
We'll help you understand your options and identify finance suited to the property and your investment strategy.
Discuss Your Property →
Commercial & Semi-Commercial Property Finance
Commercial property investment covers everything from shops and offices to industrial units, mixed-use buildings and larger investment properties.
Whether you're purchasing a commercial investment, refinancing an existing property or acquiring a mixed-use building, we'll help you navigate the different lender criteria and funding options available.
We also arrange finance for owner-occupied commercial property, where the business operates from the premises.
Explore Commercial Mortgages →
Development Finance & Developer Exit
Funding a development requires more than simply finding a lender willing to lend.
The structure needs to work with your acquisition costs, build programme, cash contribution and projected end value.
We can help arrange development finance for ground-up developments, conversions and substantial refurbishments, as well as developer exit finance once a project is complete.
Discuss Your Development →
Portfolio Landlord Finance
Managing a growing portfolio requires a different approach to financing individual properties.
A portfolio facility can help simplify administration, align mortgage maturities and provide greater flexibility when acquiring, refinancing or releasing equity from your investments.
We can also help landlords consider whether restructuring properties into a limited company could form part of their longer-term strategy.
Tax and legal implications should always be considered with your accountant and solicitor before making structural changes.
Discuss Your Portfolio →
SIPP & SSAS Property Finance
For eligible investors and business owners, pension structures such as SIPPs and SSASs can provide a route to investing in commercial property.
We can help you understand the finance options available for eligible commercial property purchases, whether you're investing for your pension or purchasing premises for your own business.
Because pension and tax rules can be complex, independent advice from your pension and tax advisers is essential alongside any finance advice.
Discuss SIPP / SSAS Finance →
Planning Your Next Investment?
Whether you're buying your next property, refinancing your portfolio, purchasing at auction or planning a development, we'd be happy to discuss your plans.
Let's look at the finance before you commit to the property.
How We Help You Secure the Right Finance
Understand Your Plans
We start by understanding the property, your investment strategy, your financial position and what you want to achieve.
Identify the Right Approach
We assess the potential challenges early and identify the types of finance and lenders that could fit your circumstances.
Review the Market
We approach appropriate lenders and compare available terms, explaining the options clearly so you can make an informed decision.
Manage the Process
From application through to completion, we'll help coordinate the process, keep things moving and communicate with you throughout.
Time is money. Our aim is to save you both.
Our role is to anticipate potential issues, keep the process moving and take as much of the administrative burden off your shoulders as possible. You focus on finding and managing the opportunity. We'll focus on the finance.
What Our Clients Say
★★★★★
“Amazing service, we will only use Gareth and the team for any of our transactions.”
SHONA
Property Investor
★★★★★
“Knowledgeable, diligent and always on the ball - always taking the time to understand our end-game and strategy means we will always keep coming back to Eastgate."
KIERAN
Property Investor
★★★★★
“I highly recommed Gareth and his Financial services. I have taken his services from time to time and also had the opportunity to compare it with others and I find Gareth is always the best. ”
NIKHIL
Property Investor
