Access Investment Loans from £1m+ Across All Sectors
At KP Finance, we arrange investment loans from £1m upwards, covering all asset classes across the UK including, residential blocks, offices, industrial/logistics, hotels, retail, mixed-use, healthcare, student accommodation, leisure, and assisted living schemes (including assets leased to Housing Associations).
Whether you’re acquiring or refinancing an income-producing asset or portfolio, or looking to release equity to support future purchases, we work closely with you to structure tailored finance solutions that support your long-term strategy.
We also specialise in structured investment finance, where a stabilisation period is required while an asset is being actively managed or capex to the building is required.
We have access to over 200 lenders across the market including high street banks, challenger banks, specialist lenders (including charitable funders), insurance-backed institutions, and other non-bank lenders and we leverage strong relationships with key decision-makers to deliver the most competitive and appropriate terms.
We offer:
- Transparent and professional advice
- Full cradle-to-grave service
- Clear, responsive guidance and market insight throughout the process
To explore your investment finance options or discuss a deal, contact us directly for an honest conversation and clear feedback.
Call +44 203 488 1128
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Samuel Kalms, KP Finance Founder
Why Use KP Finance For Investment Finance Loans?
At KP Finance, we draw on over 30 years of combined experience across a broad spectrum of investment finance, both in the UK and overseas.
Our ability to offer sound advice and utilise this experience allows us to facilitate the best investment funding options possible, with rates, terms and structure that suits your needs.
As an investment finance broker, we have close connections with lenders who can take a view on different opportunities – and provide very personalised terms for your needs.
We are passionate about making your entire project a success from start to finish. We’ll stay in touch with both you and the lender throughout the loan term to make sure that everything is progressing as planned. If you need an extension or want to refinance, we are happy to help manage this with the lender as well.
We also understand that speed and timing is key with any purchase or project. We are used to working with tight deadlines and we will work with you to get your funding within the desired timeframes.
What Types of Investment Lending Can You Help With?
| Finance Type | Typical LTV / GDV | Loan Term | Average Interest Rate (p.a.) |
|---|---|---|---|
| Bridging Loans | Up to 75% LTV (occasionally 80% with strong security) | 3 to 24 months | 0.75% – 1.10% per month (9% – 13% p.a.) |
| Development Finance | Up to 65-70% GDV (or up to 85% LTC) | 12 to 36 months | 7% – 10% p.a. (some strong sponsors get 6% p.a.) |
| Mezzanine Finance | Up to 90% GDV (blended with senior debt) | 12 to 36 months | 12% – 18% p.a. |
| Airspace Development Finance | Up to 70-75% GDV (up to 85% LTC) | 12 to 24 months | 8% – 12% p.a. |
| Senior Stretch Loans | Up to 75-80% GDV | 12 to 36 months | 8% – 11% p.a. |
What Can Investment Finance Be Used For?
- Property purchases
- Investment property purchases
- Residential property
- Commercial property
- Renovations and refurbishments
- Chain breaks in property sales
- Land acquisition
Useful Guides
How is Development Finance Different To Bridging Finance?
What Kind of Properties Can You Can Facilitate Investment Funding For?
- Residential
- Commercial (all asset classes),
- Mixed-use
- Land purchases
- HMOs
- Hotels
- Warehouses
- Garages
- Student accommodation
- Leisure centres and gyms
- Offices
- Blocks of flats
- Distressed properties
- Properties under probate
What Are The Benefits of Using An Investment Finance Broker?
Access rates and deals from over 200 UK lenders – Instead of approaching banks one by one, your broker can search the whole market for you. This means you’re more likely to find better rates, lower fees, and lenders who fit your specific needs. Brokers often have relationships with lenders you might not even know exist, giving you more choice and flexibility.
Results driven – We only earn a commission if your deal completes. This motivates them to work hard, negotiate better terms, and make sure your application is as strong as possible. Their goal is the same as yours – to get your deal over the line smoothly and successfully.
Understand your requirements – A good broker takes time to understand exactly what you need. If you’re in a situation where time is tight and you need fast approval, they know which lenders can move quickly. They also know which lenders are more open to unusual or complex cases, saving you time and helping avoid unnecessary rejections.
Seize an opportunity – An investment finance broker can help you grow your property or investment portfolio. If you have equity tied up in other assets, they can structure deals to release funds, allowing you to seize new opportunities. With the right finance in place, you can scale up your investments, take advantage of market deals, and build your wealth more efficiently.
What is The Common Criteria For An Investment Finance Lender?
- UK resident or company
- Property used as security
- Property is in UK, Scotland or Wales
- Clear exit strategy
- Financial records and statements
- Proof of funds/deposit
- Good credit history preferred but not essential
Case Studies
Frequently Asked Questions
Are You An Investment Finance Broker or Lender?
KP Finance is an investment finance broker. Our expertise and experience in the real estate industry allows us to place your loan requirements with the best and more suitable lender. This is not about getting the cheapest rates possible, but connecting you to a lender that understands your personal needs and requirements and can offer flexible terms.
Our track records demonstrates our ability to maximise approvals for our customers, helping them access fast funding to bring their projects to life. Please contact us at enquiries@kp-finance.com or call 0203 488 1128 to speak to a team member today.
What Are The Additional Fees Involved With Investment Finance?
- Arrangement fees (typically 2%)
- Valuation fees
- Legal fees
- Exit fees (if applicable)
Which Parts of The UK Can You Lend To?
We proudly offer bridging finance in Aberdeen, Birmingham, Brighton, Bristol, Cardiff, Cornwall, Durham, Edinburgh, Glasgow, London, Liverpool, Leeds, Leicester, Manchester, Nottingham, Newcastle, Sheffield, Southampton and many more.
Is My Investment Loan Secured Against The Property?
Yes, real finance is secured against the enquired property or assets as a first legal charge.
How Soon Can I Receive a Decision in Principle?
KP Finance can typically provide an initial decision within 24 to 48 hours. We will require information about the property, its value and your plans for it. We may also request proof of funds for a deposit and recent financial records.
How Fast Can My Loan Be Funded?
Investment finance loans can be funded as quickly as 5 days (should circumstances allow) but the full process from start to finish can typically be 3 to 4 weeks.
Are Repayments Made Monthly or Rolled Up?
The interest and repayments for real estate finance are usually rolled up and paid on exit of the loan term. Other options exist such as monthly (serviced) or interest deducted upfront (retained).
