Property as security. Bigger funding, better terms
Whether you’re buying premises, developing land, consolidating debt, or using the equity in your home to back your business, property-backed finance unlocks a different level of funding. Six products covering the full range of property and property-secured borrowing.
Bridging Loans
A bridging loan is short-term property finance, designed to move fast when conventional lending can’t. Whether you’re buying a property at auction with a 28-day deadline, completing a purchase before your sale goes through, or funding a refurbishment to make a property mortgageable, a bridging loan plugs the gap.
Secured against residential, commercial, or mixed-use property, and repaid when longer-term funding is in place or the property is sold. Speed is the point, some completions happen within days.
You can use home equity to fund your business!
Homeowner Business Loans
If you own your home, you may be able to use the equity in it to fund your business. A homeowner business loan is a secured facility that typically offers larger amounts, lower rates, and longer repayment terms than unsecured alternatives, because the property reduces the lender’s risk.
It’s a particularly useful route for business owners who have equity but don’t meet the strict criteria of unsecured lending, or who simply want access to more funding at a better rate. Loan terms can extend up to 25 years.
Lendaline delivered a finance solution to my business where all others feared to tread. All with assured calm efficiency and briskly too. I unreservedly recommend inviting Guy to pitch on any funding need your business might have – you’ll be in good hands.”
Stefan Hohmann
Director, GEM Display Media Limited
Commercial Mortgages
Looking to buy business premises, expand your property portfolio, or refinance an existing commercial property? A commercial mortgage is a long-term loan secured against property used for business purposes, offices, warehouses, retail units, industrial sites, and more.
Terms are tailored to the property type and borrower profile. Lenders typically assess the property value, your trading history, and the rental yield (where applicable). Borrowing up to 75% of property value is common with eligible applicants.
Commercial Loans & Buy-to-Let
This covers two connected products. A commercial loan can fund a wide range of business needs, working capital, equipment, or expansion, secured or unsecured against business assets. A buy-to-let mortgage is specifically for landlords purchasing residential property to rent out, with lending based heavily on projected rental income.
Both routes are available to sole traders, limited companies, and individual investors. Limited company BTL mortgages are also available, which can offer tax advantages for landlords with multiple properties.
Commercial Debt Consolidation
Multiple repayments to multiple lenders at multiple rates is expensive, stressful, and hard to manage. Commercial debt consolidation replaces all of them with a single loan, one payment, one rate, one lender.
Depending on your profile, a consolidated loan can reduce your monthly outgoings, free up cash flow, and give you a much clearer picture of your borrowing position. It can cover business credit cards, overdrafts, short-term loans, merchant cash advances, and in some cases, HMRC liabilities.
We’ve lent over £10m to construction businesses
Development Loans
Development loans fund the build. Whether you’re constructing new homes, converting commercial space to residential, or undertaking large-scale refurbishments, development finance releases capital in stages, matched to each phase of the project, rather than as a lump sum upfront.
Typically structured over 6–24 months and repaid on completion through sale or refinance, they’re available to experienced developers and first-timers alike, provided the project stacks up and the security is in place.
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No matter the asset, we’re here to help you get funded today
