Real Estate Lending and Financing
Real estate finance covers a wide range of funding solutions such as bridging, development, and mezzanine finance, providing structured terms designed to suit your specific project needs and timelines.
KP Finance can secure competitive terms whether you are at the early planning stage or already have a deal agreed. We work closely with you to structure the finance in the most efficient way, tailored to your project.
We understand that speed and certainty are critical when arranging real estate finance. Our team can usually provide indicative terms within 24-48 hours, with successful applicants often receiving funding within 2-4 weeks.
To make an inquiry, call the number below or use the form provided. The KP Finance team can offer knowledgeable, clear and constructive feedback whilst helping you get an initial decision in principle and funding usually within 3-4 weeks.
Call +44 203 488 1128
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ToggleWhy Use KP Finance As Your Real Estate Finance Broker?
At KP Finance, we draw on over 30 years of combined experience across a broad spectrum of real estate financing, both in the UK and overseas.
Our ability to offer sound advice and utilise this experience allows us to facilitate the best real estate funding options possible, with rates, terms and structure that suits your needs.
As a specialist real estate finance broker, we have close connections with real estate lenders and funders 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 Real Estate 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 Real Estate 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 Fast Can I Get a Bridging Loan?
What To Consider Before Getting a Bridging Loan
What Happens If You Are Unable To Repay Your Bridging Loan?
What Kind of Properties Can You Can Facilitate 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 Working With a Real Estate 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 – We can help you seize an opportunity to grow your property portfolio and make a healthy return. We understand that timing is everything and working with a broker can help you get everything in place to make the most of this opportunity.
What is The Common Criteria For a Real Estate 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 a Lender or a Broker?
KP Finance is a real estate 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 Real Estate 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 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?
Real estate 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).
Is My Property At Risk of Repossession?
If your loan has been in arrears for a long time and there is no immediate sign of repayment, the lender may repossess the property in order to recover their losses.
However, before entering this stage, the lender may extend the terms of your loan, giving you longer to repay, but this will incur additional interest each month and possibly a late charge until the loan is paid off.
You may have the opportunity to refinance your loan under new terms, which may be less favourable.
At this point, KP Finance will be available to assist you and help you to arrange the best possible outcome.
