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Property finance for UK investors and businesses

Commercial property finance.
Built around the deal.

Explore buy-to-let, commercial, bridging and development-related funding against the property, contribution and exit route.

Review my property finance case

TMS Finance is a credit broker, not a lender.

UK property developer reviewing finance plans at a development site

Property finance built around the deal

Property deals fail when the finance does not match the plan. A buy-to-let mortgage may suit a stable rental investment. A bridging facility may be needed where an auction deadline, refurbishment, planning issue or chain delay prevents an ordinary mortgage from completing in time.

TMS Finance helps landlords, investors and developers present the asset, contribution, works, experience and exit route clearly to suitable banks and specialist property lenders.

Send the purchase price, property details, deposit, works budget and target completion date.

Review my property finance case

Understand the commitment

Property used as security may be repossessed if repayments are not maintained.

Compare interest, fees, valuation and legal costs, guarantees and the planned exit before proceeding.

Finance is subject to status, affordability, property suitability and provider approval.

Property types we can review

Structure the finance around the property, the timescale and the exit

  • Residential houses and flats held for investment.
  • HMOs and properties let by the room
  • Holiday lets, Airbnb and short-term accommodation.
  • Serviced accommodation.
  • Flats above commercial units and mixed-use properties.
  • Multi-unit freehold blocks.
  • Portfolios held personally or through a limited company or SPV.
  • Land with or without planning, subject to lender appetite and a credible route forward

Match the structure to your property strategy.

Rental investment, business premises, a time-sensitive purchase and a refurbishment project need different funding structures. Start with the use of the property, the completion date and a credible repayment or exit route.

Longer-Term Investment Finance

Longer-term investment finance is usually secured against a property and repaid over several years. It includes buy-to-let mortgages, commercial mortgages and portfolio finance for properties intended to generate rental income.

Buy-to-Let Mortgage

A buy-to-let mortgage is longer-term finance used to purchase or refinance a residential property that will be rented to tenants. Lenders usually assess the rental income, property value, deposit, borrower profile, portfolio exposure and interest-cover calculations.

Commercial Mortgage

A commercial mortgage is longer-term finance used to purchase or refinance business premises, commercial investments or mixed-use properties. Lenders usually assess the property value, business or rental income, deposit, lease terms, borrower experience and repayment affordability.

HMO and Multi-Unit Finance

HMO and multi-unit finance is specialist longer-term funding for properties with multiple tenants or several self-contained units. Lenders usually assess the property layout, planning use, licensing position, rental income, valuation basis and landlord experience.

Portfolio Landlord Finance

Portfolio landlord finance is used to purchase or refinance property where the borrower already owns several rental properties. Lenders usually assess the complete portfolio, including property values, borrowing levels, rental cover, voids and existing commitments.

Let-to-Buy Finance

Let-to-buy finance allows a homeowner to retain and rent out their existing home while purchasing a new residential property. Lenders usually assess affordability, expected rental income, available equity, deposit and both mortgage commitments.

Refurb-to-Term Finance

Refurb-to-term finance combines short-term funding for a property purchase or refurbishment with a planned move to a longer-term mortgage. Lenders usually assess the works, costs, property value, expected rent and whether the completed property will meet term-lending criteria.

Short-Term Investment Finance

Short-term property and land finance is usually secured lending used to complete a purchase, carry out works or provide temporary funding before a sale or longer-term refinance. A clear and realistic exit strategy is essential.

Bridging Finance

Bridging finance is short-term funding used to complete a property purchase, release equity or refinance an existing facility. Lenders usually assess the property value, borrower contribution, timescale and the planned sale or refinance exit.

Auction Finance

Auction finance is short-term funding designed to meet the fixed completion deadline after a successful auction bid. Lenders usually assess the property value, deposit, completion timescale and the intended sale or refinance exit.

Refurbishment Bridge

A refurbishment bridge provides short-term funding to purchase and improve a property before it is sold or refinanced. Lenders usually assess the schedule of works, costs, borrower contribution, experience, current value, expected end value and contingency.

Land Purchase Finance

Land purchase finance is used to acquire development land with or without planning permission. Lenders usually assess the location, access, planning position, intended use, professional reports, borrower contribution and proposed exit strategy.

Development Exit and Equity Release

Development exit finance is used to refinance a completed or nearly completed development, repay the existing lender or release capital before every unit is sold. Lenders usually assess build completion, warranties, property values, sales evidence and the repayment strategy.

What Lenders Will Assess

Expect to provide the purchase price, valuation, deposit, borrower experience, schedule of works, planning position, rental assessment or end value, and a credible exit. For bridging and development finance, the exit route is central: sale, refinance or another clearly evidenced source.

Required Information

Requirements vary by lender, but typically include:

  • Personal or company details
  • Property address, type, purchase price.
  • Deposit or equity and source of funds.
  • Evidence of income, business affordability, including accounts or bank statements.
  • Any relevant tenancy agreements, commercial leases, portfolio details, planning permissions or HMO licences.
Business team meeting in a modern office

Property finance questions

Yes, many lenders consider limited-company or special-purpose-vehicle applications. The company structure, directors, property type and guarantees will be reviewed.

It depends on the property, borrower, valuation and product. Bridging, HMO, land and development cases may require a larger contribution than a standard buy-to-let mortgage.

Yes, subject to valuation, legal review, borrower contribution and lender approval. Start before bidding because auction deadlines do not allow time for avoidable gaps.

Some facilities fund acquisition and works, either upfront or in stages. The lender will review the schedule, costs, contingency, experience and end value.

Ready to review your property finance case?

Share the property details, purchase price, contribution, works budget and target completion date. We will explain the information needed to assess a realistic route.

Review my property finance case

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