Specialist

Business Loan For Rental Property

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Business loan for rental property

Clifton private finance

We specialise in sourcing business loans 

As a specialist finance broker, we provide high quality business loan solutions for our clients.
  • Market leading rates from 0.44% pm
  • Up to 80% Loan To Value (100% with additional security)
  • Loans from £50,000 to £25 Million
  • Terms  from 3 months
  • Interest roll up options
  • Same day agreement in principle
  • We can accept applications from individuals, limited companies, SPV's and offshore structures
  • Finance for residential, commercial including retail outlets, restaurants, cafes, guest houses and B&Bs, offices, warehouses, industrial units, factories, HMOs, nursing and care homes, investment properties, development land and buy to let property (portfolios and limited companies welcome)
We pride ourselves on providing excellent service responsive to your needs.
Call us on 0203 880 8890 to discuss your requirements.
Recent

Property Finance Deals

Bridging Loan with Multiple Drawdowns Secured for 18-Bed HMO Conversion
Bridging Loan with Multiple Drawdowns Secured for 18-Bed HMO Conversion
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Case Study: 24 Month Bridging Loan Secured Against £23m London Home
24 Month Bridging Loan Secured Against £23m London Home
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Capital Raised
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Fast Asset Finance for Two Tractors at Low Rate | Case Study
Fast Asset Finance for Two Tractors at Low Rate
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Asset Based Lending Facility for Steel Business | Case Study
Asset Based Lending Facility for Steel Business Management Buyout
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Capital Raised
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Early Remortgage for Law Firm Partner Locks in Low Rate
Early Remortgage for Law Firm Partner Locks in Low Rate
Area
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Capital Raised
£1m
BTL Mortgage Based on Overseas Income for Expat in Taiwan
BTL Mortgage Based on Overseas Income for Expat in Taiwan
Area
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Capital Raised
£585k

More Opportunities »

Contact Us

Business Loans Service

Why Choose Us?

Our business loan service provides:

Types of Business Loan We Can Source

Business loans for:

Next Steps

As a specialist property finance broker, Clifton Private Finance can provide a clear picture of the options available to you. We will assess your specific set of circumstances and arrange a finance solution tailored to your needs.

If you need a business loan call us on 0203 880 8890 or complete our contact form above.

A business loan may be used for the purchase of a property you intend to rent out, light refurbishment; renovation of an unmortgageable property, building an extension and converting a property.

Traditional Lenders

There have been recent changes, implemented by the Prudential Regulation Authority,  that have greatly affected how lenders process applications for business loans for rental property, especially the buy to let market.

To secure a business loan from a traditional lender for a buy to let rental property you will need to provide evidence of your business, show that you can afford mortgage repayments in the event that the interest rate increases to 5.5%; have a rental coverage ratio of up to 145% for standard by to lets and up to 170% for houses in multiple occupation and ensure all your rental properties are profitable.

Traditional lenders’ criteria have become stricter and as a result applications generally take longer than before, it is not uncommon for applications to take up to several months.

The increased difficulty of securing a business loan for a rental property and the lengthy application process may make applying to a traditional lender an unattractive prospect.   

Private Lenders

Applying to a private lender for a business loan could be a good alternative for your rental property. Typically, private lenders are more flexible and they often do not take as long as traditional lenders to process an application.

Private lenders’ business loan deals are usually not available on the high street and the majority of them are not featured on comparison websites. Therefore, it is advisable to contact a specialist broker to access a loan from a private lender.

As a specialist broker, we can identify the loans available to you and identify the financial solution that is best suited to your set of circumstances.

If you need a business loan call us on 0203 880 8890 or complete our contact form above.
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Get in Touch

If you have any questions about our services or want to start making things happen please contact us