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What is UK property specialist lending?

Discover everything you need to know about specialist property lending in the UK.

Learn about property loans from Buzz Capital

What is UK property specialist lending

UK property specialist lending refers to financial products and services that are specifically tailored to meet the needs within the property market, often serving borrowers who may not meet the strict criteria of traditional lenders such as banks and building societies.

Specialised lenders or financial institutions, also known as niche or non-traditional lenders, have an in-depth knowledge and understanding of the property market and understand the unique requirements of property-related transactions. In essence, they are more likely and willing to take on higher-risk or more complex lending scenarios.

Who benefits from specialist property lending?

This form of lending is designed for various types of borrowers, including property developers, investors, landlords, and individuals with unique financial circumstances. Specialist lenders typically have more flexible underwriting conditions than those of mainstream lenders.

They may consider factors such as non-standard income sources, limited credit history, short trading history, and unusual property types that traditional lenders might not consider. Typically these secured loans are ideally suited for those with adverse credit histories seeking finance solutions to suit their unique circumstances.

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Here are some common examples of property specialist finance:

Property specialist lending covers a range of loan types, including short-term bridging loans, refurbishment finance, development finance, mezzanine finance, auction finance, buy-to-let mortgages, commercial mortgages, and residential mortgages for non-standard borrowers.

Bridging Finance

Bridging finance is a short-term loan that typically helps bridge the gap between the purchase of a property and the availability of long-term financing. It is commonly used for quick property acquisitions, refurbishments, investments, or transactions requiring immediate funding. They are often used when speed is essential or when traditional mortgage approval might be delayed.

Development Finance

This type of finance is tailored and aimed at property developers who require funding for construction projects or property developments. Development finance can cover the costs associated with land acquisition, planning permission, construction, and other development-related expenses.

This type of lending provides staged payments whereby monies are released throughout the development when certain milestones are reached and are typically signed off by a quantity surveyor.

Auction Finance

This is a form of bridging loan that provides funding for individuals or businesses acquiring property at auctions. It allows buyers to access funds quickly to secure properties at auctions, where payment is often required within 28 days of the purchase.

The time-sensitive financial situation of auctions can leave buyers struggling to secure the funds that they need. With our auction finance, immediate affordability can be arranged to help homeowners like you secure your dream home.

Buy-to-Let Mortgages

Specialist buy-to-let mortgages are loans specifically designed and available for property investors who wish to purchase and finance properties with the intention of renting them out.

A buy-to-let (or BTL) mortgage may have different criteria and interest rates compared to regular residential mortgages. This is why consulting a mortgage lender is key.

Commercial Mortgages

Commercial mortgages are loans used to finance the purchase, refinancing, or development of commercial properties such as office buildings, retail spaces, or industrial facilities. They are tailored to the unique needs of commercial property investors and businesses.

High street lenders may not be ideal for commercial mortgages due to limited expertise. At Buzz Capital, we can assess commercial property risks and approve your specialist property loan quickly, minimising wait time on your project.

Mezzanine Finance

Mezzanine finance fills the gap between senior debt and equity in property transactions. It provides additional funding to property developers or investors, often in the form of subordinated loans, to support larger-scale projects.

These are just a few examples of property specialist finance options available in the market. Each type of finance is tailored to address specific property-related requirements and offers unique terms and conditions.

Property specialist finance plays a crucial role in facilitating property transactions, supporting property development projects, and enabling investors to maximize their returns in the market. By providing specialised financial solutions, property specialist finance helps individuals and businesses navigate the complexities of the property industry and achieve their property-related goals.

Schedule a meeting with Buzz Capital to find specialist property lending to suit you

 An infographic showing the six different types of property specialist finance which are bridging, development, auction, buy-to-let, commercial and mezzanine.

What do borrowers need to consider when seeking specialised property finance?

It’s important to note that while specialist lending offers opportunities for borrowers who may not meet conventional lending criteria, it’s crucial to carefully consider the terms, costs, and risks associated with these products. Borrowers should seek professional advice to ensure they choose the most suitable financing option for their specific requirements.

Interest Rates and Fees

Interest rates for specialist lending products are often higher than those of traditional lenders due to the increased risk associated with non-standard borrowers and unique property projects. Borrowers may also face higher arrangement fees and exit fees, as well as higher repayments.

Speed and Flexibility

Specialist lenders often prioritise speed and flexibility in their lending underwriting decisions, which can be beneficial for borrowers with time-sensitive or complex financing needs.


Lenders will have in-depth knowledge of the property market and can provide personalised guidance and solutions tailored to individual borrowers’ circumstances.

Lending Solutions from Buzz Capital

At Buzz Capital, we offer bespoke financing solutions to meet the needs of our clients with a variety of offerings. As a member of ASTL (The Association of Short Term Lenders) we maintain and uphold high standards of professionalism. If you are looking for competitive rates, speed, and friendly service and have a project that requires specialist lending, then please get in touch with a member of the Buzz team today. You can call us on 01273 766399 or email hello@buzzcapital.co.uk.

You know that you are in safe hands with Buzz Capital. Buzz Capital Property Finance Ltd, the entity that provides property loans, is not regulated by the Financial Conduct Authority (FCA) but is FCA-listed with Firm Reference number 963654.  

Contact Buzz Capital to discuss property specialist lending