How property & landlords businesses use finance
- Bridging finance to complete a property purchase quickly, ahead of longer-term refinancing
- Funding refurbishment works between tenancies or ahead of a sale
- Refinancing an existing commercial mortgage to release equity for further purchases
- Funding the purchase of an additional property to grow a portfolio
- Covering a corporation tax bill linked to rental or capital gains income
- Converting a property from one use to another, such as HMO conversion, subject to consents
- Bridging a chain break or auction purchase deadline
- Consolidating existing property-related borrowing into a clearer structure
Funding types that often fit
- Bridging loans
Short-term funding secured against property, useful for fast completions, auction purchases or chain breaks, repaid when the property is sold or refinanced.
- Commercial mortgages
Longer-term lending secured against commercial or investment property held by a limited company.
- Development finance
Funds larger refurbishment or conversion projects, released in stages as work progresses.
- Property and secured lending
General secured lending against property assets for a range of business or portfolio purposes.
- Corporation tax loans
Spreads the cost of a corporation tax bill linked to rental or property gains into manageable instalments.
What lenders look at for limited company landlords
Lenders assessing a corporate landlord structure look at both the property and the company behind it:
- The property's value, condition and rental income potential (or projected value on completion for development)
- The company's structure, including whether it's a special purpose vehicle (SPV) set up to hold property
- Rental income coverage relative to the proposed repayment
- The experience of the directors in property investment or development
- An exit strategy for short-term lending, such as sale or refinance onto a longer-term product
Sector challenges: valuations, consents and exit strategy
Property finance for limited company landlords comes with its own considerations:
- Valuation and survey requirements that can affect timing and loan amount
- Planning permission or landlord consents needed for conversions such as HMOs
- Interest rate changes affecting rental yield and affordability calculations
- The need for a clear, realistic exit strategy on bridging or development finance
- Property-related finance is secured, meaning the property may be repossessed if repayments aren't kept up
How to prepare a limited company landlord finance application
Being well-prepared helps lenders move quickly, particularly for time-sensitive bridging transactions:
- Have details of the property or portfolio ready, including current valuations where available
- Provide your company's latest filed accounts and bank statements
- Be clear about your exit strategy for any short-term or bridging finance
- Outline director experience with property investment, particularly for larger projects
- List any existing property-related borrowing and the current balances
Frequently asked questions
Related guides
Indicative only. Subject to lender assessment and approval.
Lending Box helps UK businesses access business finance, working directly with businesses and their trusted advisers. We are a credit broker and do not provide loans ourselves. All finance and quotes are subject to status and income. Applicants must be aged 18 or over, and terms and conditions apply. Guarantees and indemnities may be required. Lending Box can introduce applicants to a number of providers based on each applicant's circumstances and creditworthiness. We can also make insurance introductions. Lending Box will receive a commission or finder's fee for arranging such finance and insurance introductions. Broker Terms