Property Finance Support
NexGen Finance helps UK property investors and landlords explore property funding options through trusted commercial finance partners. Whether you are purchasing a buy-to-let, building an HMO portfolio, investing in commercial property or exploring development finance, we can help review your enquiry and discuss suitable routes.
Property Finance Options We Can Help With
NexGen Finance covers a broad range of property finance enquiries for landlords, investors and developers. All finance is subject to status, affordability, lender criteria and approval.
Buy-to-Let Finance
Property finance for individual landlords purchasing or refinancing residential investment property let to private tenants.
Who it may suit: Individual landlords and residential property investors
Learn MoreHMO Finance
Finance for houses in multiple occupation including small HMOs (up to 5 rooms) and large HMOs (6 or more rooms) requiring an HMO licence.
Who it may suit: HMO landlords and multi-let property investors
Learn MorePortfolio Landlord Finance
Finance for landlords with four or more mortgaged buy-to-let properties who require portfolio-wide assessment under PRA rules.
Who it may suit: Portfolio landlords and experienced property investors
Learn MoreLimited Company Property Finance
Buy-to-let and property investment finance for landlords and investors operating through SPV or trading limited company structures.
Who it may suit: Landlords operating through limited company structures
Learn MoreCommercial Investment Property
Finance for investors purchasing commercial property to let to business tenants — offices, retail units, industrial units and more.
Who it may suit: Commercial property investors and landlords
Learn MoreSemi-Commercial Property
Finance for mixed-use properties combining commercial and residential elements, such as shops with residential flats above.
Who it may suit: Investors in above-shop flats and mixed-use assets
Learn MoreBridging Finance
Short-term property finance for acquisitions, auction purchases, chain breaks and refurbishment projects where speed or flexibility is required.
Who it may suit: Property investors needing fast or flexible short-term finance
Learn MoreDevelopment Finance
Funding for ground-up residential development, heavy refurbishment and conversion schemes with staged drawdowns based on build progress.
Who it may suit: Property developers and experienced builders
Learn MoreRefurbishment Finance
Short to medium-term finance for light or heavy property refurbishment projects, including conversions and change-of-use developments.
Who it may suit: Property investors refurbishing or converting assets
Learn MoreProperty Investors & Landlords
NexGen Finance helps property investors and landlords at different stages — from first investment property purchases through to portfolio refinancing and development projects. We can help review your enquiry and discuss suitable property funding routes through trusted commercial finance partners.
Property finance enquiries are reviewed and, where suitable, referred to appropriate broker partners depending on the type of finance required and the applicant's circumstances.
- Individual and portfolio buy-to-let landlords
- HMO investors and multi-let landlords
- Limited company landlords and SPV investors
- Commercial property investors and landlords
- Mixed-use and semi-commercial property investors
- Property developers and conversion specialists
Key Considerations for Property Finance
- ✓ Property type, condition and location
- ✓ Rental yield and projected income
- ✓ Deposit or equity available — typically 25% or more
- ✓ Landlord experience and portfolio background
- ✓ Borrower credit profile and income
- ✓ Business structure — personal or limited company
- ✓ Licensing requirements (e.g. HMO licence)
- ✓ Exit strategy and planned loan term
Property Finance — Frequently Asked Questions
What deposit is typically needed for a buy-to-let mortgage?
Most buy-to-let mortgage lenders require a minimum deposit of 25%, though some specialist products may require 30% or more depending on the property type, borrower profile and lender criteria. HMO and limited company buy-to-let products may have different deposit requirements. All lending is subject to status and individual lender criteria.
Can I get property finance through a limited company?
Yes. Many property investors choose to purchase investment property through a limited company or SPV structure. Limited company buy-to-let and commercial property finance is available through specialist lenders, though criteria, rates and available products differ from personal name lending. All finance is subject to status and lender approval.
What is portfolio landlord finance?
Portfolio landlord finance refers to lending for landlords with four or more mortgaged buy-to-let properties. Under PRA (Prudential Regulation Authority) rules, lenders must undertake a portfolio-wide assessment when lending to portfolio landlords, taking into account the overall portfolio performance, not just the individual property being financed.
Can NexGen Finance help with HMO finance?
Yes. NexGen Finance can help review HMO finance enquiries for both small HMOs (typically up to 5 rooms) and large HMOs (6 or more rooms). HMO lending is considered specialist finance and lenders will typically require evidence of an appropriate HMO licence, where applicable, and experience in managing HMO properties. All finance is subject to status and lender criteria.
Important information: NexGen Finance is not a lender and does not provide regulated financial advice. Suitable enquiries may be referred to commercial finance broker partners. Funding is subject to status, affordability, lender criteria and approval.
A Practical, Compliance-Led Approach
NexGen Finance keeps commercial and property finance enquiries straightforward. We focus on clear communication, practical funding routes and transparent wording, without overpromising outcomes.
Explore Property Funding Options
Call or email NexGen Finance to discuss your property finance enquiry. We will review your requirements and help explore suitable funding routes through trusted commercial finance partners.