Whether you are an investor building a portfolio, a developer working through a pipeline of projects, or a landlord looking to refinance and release equity, the right property finance depends entirely on what you are trying to achieve and the timeline you are working to.
At Elite Business Funding, we source specialist property finance from over 200 lenders — from short-term bridging solutions through to long-term commercial mortgages — with expert guidance at every stage of the transaction.
Below you will find our full range of property loan products, grouped by purpose.
Short Term and Bridging Finance
Short-term property finance is built around speed and flexibility. These products exist to solve specific timing problems — bridging a gap between transactions, completing a purchase before longer-term finance is in place, or releasing capital quickly when an opportunity arises.
Bridging Loans
A bridging loan provides fast, short-term finance secured against property, designed to bridge the gap between an immediate need and a longer-term funding solution. Commonly used for property purchases, chain breaks, and refurbishment projects where speed of completion is critical.
👉 Find out more about Bridging Loans
Auction Finance
Buying at property auction means committing to completion within 28 days — a timeframe that rules out most conventional mortgage products entirely. Auction finance is structured specifically for this, giving you access to funds quickly enough to meet the deadline while longer-term finance is arranged.
👉 Find out more about Auction Finance
Development Exit Loans
A development exit loan refinances a completed project away from expensive development finance, buying the developer time to sell units or arrange longer-term funding without the pressure of a looming facility end date. It reduces holding costs considerably while the exit strategy is executed at the right pace.
Development and Investment Funding
For investors acquiring income-producing assets and developers building or improving property, this category covers the longer-term and project-based finance products we source. These transactions typically involve more detailed underwriting, and having an experienced adviser makes a material difference to both the terms achieved and the speed of completion.
Development Finance
Development finance funds the ground-up construction or major conversion of residential and commercial property. Lending is typically structured in staged drawdowns aligned with build progress, with borrowing based on a combination of land value and projected gross development value.
Borrow from £50,000 or more, with terms from 12 to 24 months, rates from 0.5% per month, and up to 100% of build costs available depending on the scheme.
👉 Find out more about Development Finance
Joint Venture Finance
Where a developer has the expertise and land but needs a funding partner to progress a scheme, joint venture finance brings in an investor who shares both the cost and the profit on completion. The structure varies significantly by deal, and getting the terms right from the outset protects both parties throughout the project.
👉 Find out more about Joint Venture Finance
Commercial Investment Mortgages
For investors acquiring commercial property that generates rental income — offices, industrial units, retail premises, and mixed-use assets — a commercial investment mortgage provides long-term finance based primarily on the strength of the rental income and the quality of the tenants in place.
👉 Find out more about Commercial Investment Mortgages
Commercial Mortgages
A commercial mortgage funds the purchase or refinance of a property that a business occupies or intends to occupy. Terms are typically longer than bridging or development products, with lending based on a combination of the property value and the borrower’s trading position. Available for a wide range of property types and business sectors.
Residential and Debt Structuring
This category covers residential investment products for landlords, specialist lending for less conventional property types, and structured borrowing against existing assets. Whether you are expanding a portfolio, optimising your current financing arrangements, or investing in a niche property type, we source solutions tailored to your circumstances.
Buy-to-Let Mortgages
Buy-to-let mortgages fund the purchase or refinance of residential investment properties, with lending based primarily on rental income rather than personal salary. We source products for individual landlords and limited company structures across standard residential, portfolio, and multi-unit freehold investments.
👉 Find out more about Buy-to-Let Mortgages
House of Multiple Occupation Finance
HMO properties carry higher yields than standard buy-to-let investments, but they also require specialist lending that reflects the complexity of the asset. Lenders assess licensing, room numbers, and rental income differently to standard residential investment, and we work with those who are active and competitive in this market.
👉 Find out more about HMO Finance
Holiday Let Mortgages
Holiday let properties are assessed on projected short-term rental income rather than a single assured shorthold tenancy, which means standard buy-to-let products rarely apply. We source specialist holiday let mortgages for properties let through short-term platforms and traditional holiday rental arrangements across the UK.
👉 Find out more about Holiday Let Mortgages
Second Charge Mortgages
A second charge mortgage allows you to borrow against the equity in a property you already own, without disturbing the existing first charge mortgage. It is a useful route for raising capital where remortgaging would be costly or impractical — whether due to early repayment charges, a favourable rate worth keeping, or simply speed of access.
Ready to explore your options?
If you know which product you are interested in, the links above will take you directly to the relevant page. If your situation is more complex, or you are weighing up a number of different approaches, speak with our team. A free, no-obligation conversation is often the quickest way to establish what is available to you and the most suitable route forward.