Whether you're investing in property or purchasing premises for your business, securing the right finance is essential. From buy-to-let properties and HMOs to commercial and mixed-use buildings, we help structure funding that supports both income and long-term growth.

Tailored Property Finance Solutions

Lime Finance Solutions helps clients secure commercial mortgages and buy-to-let finance tailored to each property and ownership structure.

Whether you're purchasing, refinancing or expanding a portfolio, we provide access to a wide range of lenders and guide you through the process from start to finish.

Types of Property Finance Available

Buy-to-Let Mortgages

Finance for residential investment properties generating rental income.

Standard buy-to-let properties and portfolios
Personal or limited company (SPV) ownership
Interest-only and repayment options
Lending typically based on rental income

Discuss Buy-to-Let Options

Commercial Mortgages

Finance for properties used for business purposes or held as investments.

Offices, retail units, industrial buildings
Owner-occupier or investment properties
Fixed and variable rate options
Purchase or refinance structures

schedule a call with us

HMO & Short-Term Let Finance

Funding for higher-yield rental strategies and multi-unit properties.

HMOs and multi-unit rental properties
Airbnb and holiday lets
Purchase or refinance options
First-time landlords considered in some cases

book a time to talk

Semi-Commercial & Mixed-Use

Funding for properties combining residential and commercial elements.

Shops with flats above
Mixed-use developments
Flexible ownership structures
Freehold and leasehold options

discuss Mixed-Use Finance

We understand the challenges faced by today’s property owners, investors and landlords. That’s why we offer bespoke mortgage solutions designed to fit your exact requirements. Whether you need financing for a new acquisition, refinancing, or for property development, we ensure you get the most suitable terms.

How property finance works

Property finance is typically structured around the income potential of the property and the borrower’s financial position.

Lenders assess factors such as:

Loan-to-value (typically up to 70–80%)
Rental income and coverage ratios
Ownership structure
Long-term investment strategy
We help structure finance that aligns with your investment goals and exit strategy.

For development projects, you may also require property development finance before refinancing.

book a call to Discuss your options

Typical property finance scenarios

Portfolio Expansion

Purchasing additional properties to grow a rental portfolio.

Property Acquisition

Buying commercial premises for business use or investment.

Refinancing

Releasing equity or improving existing loan structures.

Mixed-Use Investment

Acquiring properties with multiple income streams.

You may also be interested in the following finance solutions

property development

Finance for refurbishments, conversions, and full scale, ground-up projects.

Development Finance

business finance

Flexible finance to support trading businesses and growth.

Business Finance

revolving credit

A secured funding facility providing quick access to capital.

Revolving credit

Frequently asked questions (FAQ’s)

We offer flexible financing for a wide range of projects, including:

Refurbishment, Conversion & Refurb Finance (e.g., change of use, residential expansion, house to flats, permitted development, EPC works).
Ground Up Commercial Development (e.g., new build commercial units, industrial, office, mixed use).
Ground Up Residential Development (e.g., houses, flats, or mixed developments).

No, experience is not essential. We can arrange property development finance for both first-time developers and experienced developers.

We can finance projects ranging from 1 to 50 units for residential, commercial, and mixed-use properties.

Yes, we offer 100% land and development finance through a Joint Venture (JV) structure. In this arrangement, the lender finances the whole project and land purchase, and the client and lender split the end profit. We can also arrange finance for up to 100% of build costs for ground-up residential developments.

We pride ourselves on a quick turnaround, often providing an agreement and/or finance offer inside 24 hours.

Loan terms generally range from 3 months to 24 months. We can also structure finance for Up to 100% Loan to Cost (LTC) and can facilitate Deferred Consideration on land purchases.

No, we are an independent broker and are not tied to any lender. This allows us to source the most suitable development finance from a wide range of good development lenders for your specific project.

We provide tailored, flexible, and fast funding solutions. Key benefits include a seamless process, quick turnaround, the ability to fund first-time developers, and our status as an FCA Authorised and award-winning firm dedicated to finding the best solution for you.