Property finance refers to a wide range of funding options designed to support the purchase, development, or refurbishment of commercial or investment property. Unlike traditional residential mortgages, property finance products are designed specifically for business purposes and can be used by limited companies, sole traders, partnerships, and property investors.
From a new office purchase to a buy-to-let apartment block, property finance helps you secure, develop, or leverage property to drive business growth. These solutions are often more flexible than conventional lending, and can be structured around your specific project timelines, cash flow, and strategic goals.
Why businesses choose property finance
Access to commercial property funding allows businesses to:
- Acquire new premises or investment properties
- Refinance existing debt to free up cash
- Convert or refurbish buildings
- Bridge cash flow gaps between transactions
- Support property development from planning to completion
- Take advantage of time-sensitive opportunities
At Business Helpline, we understand the diverse needs of UK businesses and entrepreneurs. We partner with a wide panel of lenders to find the most competitive and flexible solutions in the market - so you can act quickly and strategically.
Types of property finance we offer
Bridging Loans for the UK
Bridging finance is a short-term loan used to ‘bridge’ a funding gap - typically between buying one property and selling another, or while waiting for longer-term finance to be arranged.
At Business Helpline, we arrange bridging loans for the UK market that are fast, flexible, and competitively priced — with transparent terms and no hidden fees.
- Terms from 1 to 24 months
- Borrow up to 75% of the property value (Loan to Value - LTV)
- Fast funding - often within days
- Ideal for auction purchases, chain breaks, or time-critical opportunities
Ideal for:
- Property investors looking to secure deals quickly
- Developers in need of pre-construction funding
- Businesses buying new premises before their current one sells
Commercial Buy-to-Let Investments
Investing in commercial buy-to-let property can be a highly profitable strategy. Whether it's a retail unit, office block, or industrial warehouse, the right financing allows you to leverage assets while maintaining strong cash flow.
We support clients seeking commercial buy-to-let investments in the UK, helping you understand your income potential, tenant risk, and exit strategy. With access to specialist lenders, we can structure loans that maximise your returns and match your goals.
- Fixed or variable rates
- Terms up to 25 years
- Up to 75% LTV
- Rental income used to support the loan
Ideal for:
- Landlords expanding their portfolios
- Entrepreneurs investing in mixed-use or commercial spaces
- Companies purchasing premises to lease out
Development Finance
Property development finance is designed for projects such as ground-up builds, conversions, or large-scale refurbishments. It provides staged funding to support land acquisition, construction, and associated costs.
Business Helpline has extensive experience in arranging development finance in the UK, supporting projects from initial planning to final sale or letting. Our experts understand planning cycles, build timelines, and cost management - helping you stay on track and on budget.
- Loans from £100,000 to £50m+
- Staged drawdowns based on project milestones
- Interest rolled up or serviced monthly
- Terms from 6 to 36 months
Ideal for:
- Residential or commercial property developers
- Experienced investors undertaking larger projects
- Joint ventures and SPVs
Commercial Mortgages
A commercial mortgage is a long-term loan used to purchase or refinance property for business use. Whether you’re buying your own office, factory, or warehouse - or refinancing to release equity -commercial mortgages offer cost-effective, stable funding.
Business Helpline works with a wide range of high street banks and specialist lenders to offer commercial mortgages in the UK that are tailored to your needs. We’ll help you navigate the approval process, assess affordability, and find the most competitive rates available.
- Loan terms from 3 to 30 years
- Fixed or variable interest rates
- LTVs up to 80% (higher with additional security)
- Capital repayment or interest-only options
Ideal for:
- Business owners buying their trading premises
- Investors acquiring income-generating property
- Companies consolidating expensive debt
Who can apply?
Whether you're buying your first property or refinancing a large portfolio, we’ll assess your eligibility, structure the right deal, and manage the process from application to completion.
Whether you're a seasoned developer or a first-time investor, Business Helpline brings deep market insight, lender relationships, and smart structuring to every deal.
Benefits of working with Business Helpline
What’s the minimum deposit required for property finance? Most commercial mortgages require 20-30% deposit, though some bridging and development lenders offer higher leverage with additional security.
Can I get property finance with bad credit? Yes - some lenders offer adverse credit facilities, though terms may vary. We’ll assess your situation and advise the best route forward.
How fast can I get a bridging loan? We can often secure approval within 24–48 hours and complete within a few days, depending on valuations and legal readiness.