The Property Finance Collective ensure you get the right finance in place for your property projects. Our Expert Commercial Finance Brokers have the experience needed to get your projects moving.


Development Finance Crane HookDEVELOPMENT

For the purchase of land or buildings requiring development.


Bridging Finance BridgeBRIDGING

To fund a short-term gap in finance for purchase and development.


Development Exit Sold houseDEVELOPMENT

To repay outstanding finance once the project is complete.


Refurbishment Loans PaintrollerREFURBISHMENT

For the light or heavy refurb of a property for sale or rent.


Commercial Mortgages Brick WallCOMMERCIAL

For loans to acquire, refinance, or redevelop commercial property.


HMO Mortgages HMOHMO

For when the property will be rented out to more than 3 tenants.



The Property Finance Collective are Expert Commercial Finance Brokers. We specialise in sourcing a variety of finance products for property professionals around the UK. We have experience and access to a variety of different commercial finance products that may not be available from your High Street Bank. 

As an independent Broker we look at each of our clients’ specific requirements and tailor-make finance solutions for each project. We sit on the executive committee of the FIBA as well as being full members of the NACFB.


1. Initial contact

Speak to one of our Expert Brokers about your enquiry. Our brokers will guide you to the best product for your project!

2. Submit an enquiry

Once you’ve decided on a product, complete our enquiry forms. Each form has its own guide to make the process simple.

3. Presenting to lenders

Using the information you have provided, we will present to our vast panel of lenders to find you the right one for your project.

4. Agreement in Principle

Once all the AIPs have been received from the lender, we break each quote down into an easy to read spreadsheet, so you can make the most informed decision.

5. Application stage

Once you have made your decision, we send over the relevant documents and information required whilst staying in touch throughout the process to help guide and answer any questions.

6. Valuation

A valuation will need to be carried out on the property/land that you are purchasing before a formal offer can be made. We will liaise with the lender and you to book this.

7. Offer

After we have submitted all the documents necessary for the underwriting process, the formal offer is issued by the lender for you to sign in the presence of solicitors.

8. Legals

This is the final stage of the loan process where your solicitors will respond to any enquiries from the lender’s solicitors and will walk you through any documents that you will need to sign, or any certified documents that will need to be provided. We will also follow up with anything that is necessary to ensure that the deal completes as swiftly as possible. Legals can begin earlier if necessary.

9. Completion

After all these previous stages have taken place and the lender is satisfied, the deal is now completed and funds are released to your solicitors.


What is property development finance? Featured, Guides 3 September 2021 Read More Bridging Finance Solutions Featured, News 27 August 2021 Read More Shortlisted for the NACFB Commercial Broker Awards 2021 Featured, News 20 July 2021 Read More Winner – UK Small Broker of the Year Featured, News 14 July 2021 Award announcement on Twitter Read More 11 top tips for choosing development finance Featured, Guides 13 July 2021 Read More 1 Year Anniversary, Miss Property Finance Featured, Team 26 February 2021 Read More Bridging Finance Calculator Guide Featured, Guides 1 February 2021 a guide to using our bridging calculator Read More Development Finance Calculator Guide Featured, Guides 21 January 2021 a guide to using our development finance calculator Read More Our 2 Year Birthday! Featured, News 11 December 2020 Our 2 Year Birthday! Read More Quick Fire Q&A with Adam Featured, Q&A, Team 4 December 2020 Quick Fire Q&A with Adam Read More Mezzanine Financing – The basics Featured, Guides 27 November 2020 The basics of Mezzanine Finance Read More Quick Fire Q&A with Michael Featured, Q&A, Team 6 November 2020 Quick Fire Q&A with Michael Read More Making Yourself Investable Featured, Guides 23 October 2020 Making Yourself Investable Read More What is a Personal Guarantee? Featured, Guides 11 September 2020 What is a Personal Guarantee? Read More What is the process of obtaining a loan? Featured, Guides 27 August 2020 What is the process of obtaining a loan? Read More


Business Money Facts Awards
Mortgage Awards Shortlisted
NACFB Awards Shortlisted
SFI Awards Finalist

A company that doesn’t desert you when things don’t go quite to plan…

Great Company and Michael was always there to help when needed. Didn’t go smoothly as the Scottish land registry closed during the pandemic. This didn’t cause any issues for Michael even though we’ve just completed over 3 months down the line. Michael smoothed everything over with the bridging company that were threatening to charge extra interest as we’d agreed a date for the money to transfer.

- Sean