We help investors, landlords and businesses understand their requirements, explore potential lender routes and present the case clearly for assessment.
Unregulated property finance for investment and commercial purposes
Availability, terms, decisions and completion times depend on the lender, property and individual circumstances and are not guaranteed.
Technology-assisted sourcingCombined with experienced broker review
Case-led researchFocused on the property and circumstances
UK-wide enquiriesUnregulated investment and commercial property finance
What we arrange
Three specialisms, one dedicated team.
Whether you are refinancing business premises, scaling a buy-to-let portfolio or exploring short-term property finance, we help you understand the route, prepare the information and keep the transaction moving.
These genuine, anonymised transactions were handled by members of our team through UK Mortgage Finance or during their wider property-finance careers. Historical cases do not change our current service boundary: UK Mortgage Finance currently handles only unregulated property finance for investment and commercial purposes.
On tablet and mobile, swipe or scroll horizontally to view all six case studies.
Limited-company buy-to-letAgreement in principle
£1,912,500
Seven-HMO company share purchase
Read case detailsHide case details for Seven-HMO company share purchase
Ben secured an agreement in principle for the purchase of a company holding seven HMO properties. Because the lender assessed the £2.5m underlying property value rather than only the £2.25m share purchase price, it could consider a higher advance against the purchase price. The agreed-in-principle amount was £1,912,500 at 6.79% at the time.
Read case detailsHide case details for New-build drive-through restaurant investment
Commercial mortgage terms were agreed at Bank of England Base Rate plus 1.41% at the time for a newly developed drive-through restaurant investment let to a national fast-food operator.
Read case detailsHide case details for Industrial property private-bank refinance
A £1.4m private-bank refinance against an industrial property valued at £2.1m. More than £1m combined operating profit supported the case, and the structure released a residential property from the lender’s security.
Read case detailsHide case details for Simultaneous guesthouse and buy-to-let mortgages
A historical team-member case involving two first-time mortgage borrowers in the second year of a new business. They wanted to buy and live in a guesthouse while letting seven bedrooms, alongside converting their existing home to buy-to-let. A regulated facility on the existing home and a commercial mortgage on the guesthouse were arranged simultaneously with Together.
Read case detailsHide case details for Owner-occupier industrial warehouse mortgage
Ben arranged an owner-occupier commercial mortgage against an industrial warehouse valued at £4.5m. The £2m loan completed in July at Bank Base Rate plus 1.51%, with a 0% lender arrangement fee.
These case studies are anonymised genuine transactions. Figures and rates shown were applicable at the time and do not represent current pricing or a guarantee of future lending. Every application remains subject to individual circumstances, valuation, underwriting, legal checks and lender criteria.
Instant finance calculators
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Commercial, buy-to-let or bridging: adjust the assumptions to see an indicative breakdown, then email the figures or ask us to review a real requirement.
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Illustration only, not a quote or financial advice. Commercial rates and terms vary by lender, property and covenant.
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Rolled-up interest is added to the estimated balance at the end. Starting assumptions are 0.75% monthly interest and a 1% arrangement fee calculated on the gross loan; both are adjustable. This simple-interest calculation is indicative only, not a quote, offer or financial advice. It excludes valuation, legal and any other lender or third-party costs. Actual terms depend on the lender, property and circumstances.
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Tell us about the property and what you are looking to do. Our team will review the details and contact you to discuss routes that may warrant further assessment. This is not a formal offer or guarantee of finance.
Specialist bridging enquiries are handled by Sterling Bridging Finance. Continue to Sterling to submit the property, funding requirement, deadline and proposed exit.
UK Mortgage Finance does not handle regulated residential mortgage, regulated bridging or consumer buy-to-let enquiries. We use your details to respond to this request unless you opt in above. See our Privacy Policy.
Why experienced support matters
Good finance starts with a well-presented case.
01
Start with the requirement
Property, purpose, borrower, income and exit all shape which lender criteria and routes warrant assessment.
02
Present the case clearly
A focused application helps an underwriter understand the strengths, risks and proposed solution.
03
Spot complications early
Title, valuation, lease, tenancy and structure issues are easier to address before they hold up a transaction.
04
Keep the process moving
We coordinate information and follow up with the parties involved as the case progresses.
How it works
Three steps in the application journey.
Submit your enquiry
Tell us the property details and your funding requirement. No obligation, no jargon.
Research and presentation
We identify potentially suitable routes and present the requirement with the supporting information a lender needs.
Application progress
We help with communication as the case moves through lender assessment, valuation and legal work.
Get started today
Ready to discuss your requirement?
Tell us about the property, the funding required and your plan. We will review the requirement and explain the next practical step.
