Property Finance Explained: From Bridging Loans to Development Finance
Navigate the landscape of property finance with our comprehensive guide covering bridging loans, development finance, and commercial mortgages.
The Property Finance Landscape
Property finance covers a broad range of products designed for different scenarios. Understanding which product fits your situation is the first step to securing the right funding.
Bridging Loans
Short-term finance typically used to bridge a gap — such as purchasing a property before selling another, or funding a quick acquisition at auction. Bridging loans are fast to arrange and flexible, but carry higher rates due to their short-term nature.
Development Finance
For ground-up development or heavy refurbishment, development finance provides staged drawdown funding aligned with build milestones. Lenders assess the GDV (Gross Development Value) alongside the project costs.
Commercial Mortgages
Long-term finance for owner-occupier businesses or commercial investment properties. Terms typically range from 5 to 25 years.
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