Property finance
Finance for property investment, portfolios and more complex borrowing.
From an individual buy-to-let property to limited company borrowing and larger portfolios, Intra helps investors navigate lender criteria, ownership structures and property finance requirements.
Investment
Property & portfolio
Finance
Structure the borrowing
Property finance options
What are you looking to finance?
Start with the type of property finance you need. Each route has its own lender criteria, underwriting considerations and borrowing structure.
Property investment
Buy-to-Let
→Finance for landlords purchasing or refinancing residential investment property, from first-time landlords to experienced investors.
Explore Buy-to-Let
Company borrowing
Limited Company & SPV
→Mortgage finance for investment properties purchased or held through limited companies and special purpose vehicles.
Explore Limited Company & SPV
Portfolio landlords
Portfolio Finance
→Borrowing for landlords with multiple properties, including portfolio purchases, refinancing and more complex ownership structures.
Explore Portfolio Finance
Existing borrowing
Property Refinancing
→Review existing investment borrowing, release equity or restructure finance across individual properties or wider portfolios.
Explore Property Refinancing
Property investment
The mortgage is only one part of the investment structure.
Property investors can face a different set of lending questions from residential borrowers.
The expected rent, ownership structure, existing portfolio, property type and reason for borrowing can all influence the lenders able to consider a transaction.
For more experienced investors, the individual property may also need to be considered within a wider portfolio rather than in isolation.
Who we help
Property finance for different stages of an investment journey.
The appropriate lender can change as the number of properties, borrowing requirements and ownership structures become more complex.
01
First-time landlords
Clients making their first property investment may need guidance around deposits, rental calculations, property criteria and ownership structure.
02
Experienced investors
Established landlords may need finance that considers existing properties, rental income, borrowing commitments and future acquisition plans.
03
Limited companies
Investment property purchased through a company requires lenders comfortable with corporate structures and, commonly, personal guarantees.
04
Portfolio landlords
Lenders may assess the performance and leverage of the wider portfolio as well as the individual property being financed.
05
Higher-value investors
Larger properties, substantial borrowing or more complex financial positions may involve specialist lenders or private-bank consideration.
06
International investors
Foreign nationals, UK expats and clients with overseas income may require lenders able to consider international financial circumstances.
Structuring property finance
The same property can look very different depending on how the investment is structured.
Personal ownership, limited companies and wider portfolio structures can each lead to different lender options and underwriting requirements.
Our role is to understand the mortgage requirement and identify lending routes that fit the proposed structure. Decisions about tax or legal ownership should be made with appropriately qualified advisers.
Limited Company & SPVOwnership
What lenders consider
Property finance is assessed across more than one dimension.
The property itself matters, but so do the rental position, applicant, ownership structure and wider investment portfolio.
01
Rental income
Expected rent and the lender's rental coverage calculation can materially affect the level of borrowing available.
02
Ownership structure
Personal ownership, limited companies and wider corporate structures can each lead to different lender options and underwriting requirements.
03
Existing portfolio
Existing mortgages, property values, rental income and loan-to-values may need to be considered alongside the new transaction.
04
Property type
Standard houses and flats can be assessed differently from HMOs, multi-unit properties, mixed-use assets or other specialist property.
05
Borrowing purpose
Purchasing, refinancing, releasing equity and restructuring existing debt can each require a different lender approach.
06
Long-term strategy
The finance used today can affect how easily an investor is able to refinance, restructure or expand their portfolio later.
Portfolio landlords
As a portfolio grows, lenders may look beyond the property being financed.
Existing rents, mortgage balances, property values and overall leverage can all become relevant when a portfolio landlord applies for additional borrowing.
This can make lender selection increasingly important where the objective is to continue acquiring property, refinance existing borrowing or restructure the portfolio.
International investors
UK property finance for investors whose finances extend beyond the UK.
Overseas residency, foreign income, international assets and corporate structures can all affect which lenders are able to support UK property investment.
Intra has arranged more than 3,000 mortgages for international clients from over 20 countries, including Türkiye, Saudi Arabia, the UAE, the United States, Canada and countries across Europe.
Explore mortgages for international clients
International property finance
UK investment property for clients with overseas income, residency or wider international circumstances.
Refinancing
Existing property can form part of the next stage of an investment strategy.
Property finance is not limited to new purchases.
Investors may refinance to review an existing mortgage, restructure borrowing, release capital or support another property transaction.
The amount available depends on factors including property value, rental income, existing borrowing, loan-to-value and the lender's criteria for the proposed use of funds.
Explore property refinancing→When conventional property finance is not enough
Some transactions require specialist finance.
Short timescales, refurbishment, development or properties that fall outside standard mortgage criteria may require a different type of funding.
Explore specialist finance→
The Intra approach
Understand the investment before selecting the finance.
Our process considers the property, ownership, rental profile, existing borrowing and wider investment plans before lender research begins.
Understand the requirement
We begin with the property, ownership structure, borrowing purpose and how the transaction fits within your wider investment plans.
Review the financial position
Your adviser considers deposits, rental income, existing borrowing, portfolio commitments and any wider income or assets relevant to the case.
Research lender criteria
Different lenders have different rental calculations, property criteria, portfolio policies and approaches to company borrowing.
Structure the application
Once an appropriate lending route has been identified, we prepare the application around the lender's requirements and the transaction structure.
Manage underwriting
Our adviser and administration team remain involved throughout lender queries, valuation and any additional information required.
Complete
We continue to support the case through mortgage offer and the wider transaction through to completion.
Lender access
Property finance criteria can vary significantly between lenders.
Different lenders can have different approaches to rental calculations, portfolio landlords, company structures, property types and borrowing purposes.
Lender availability and suitability depend on individual circumstances, property, borrowing structure and lending criteria.
Why Intra
Property finance considered within the wider investment picture.
The appropriate solution should reflect the property, borrowing requirement, ownership structure and the investor's wider plans.
01
Understand the transaction
We establish the property, purchase or refinance objective, ownership structure and wider investment plans.
02
Consider the wider position
Rental income, existing borrowing and portfolio commitments can all form part of the assessment.
03
Research lender criteria
Different lenders can approach the same investment property in materially different ways.
04
Manage the application
Our adviser and administration team support the case through valuation, underwriting, offer and completion.
Frequently asked questions
Property finance questions.
These answers are general. Available finance depends on the property, borrowing requirement, ownership structure and lender criteria.
01What is property finance?
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What is property finance?
Property finance is a broad term covering borrowing used to purchase, refinance or raise capital against property. On this part of the Intra website, the focus is primarily on investment property and landlord borrowing.
02Is buy-to-let different from a residential mortgage?
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Is buy-to-let different from a residential mortgage?
Yes. Buy-to-let mortgages are designed for properties intended to be rented to tenants. Lenders commonly place greater emphasis on expected rental income and apply different criteria from residential mortgages.
03Can I purchase investment property through a limited company?
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Can I purchase investment property through a limited company?
Potentially. Many lenders support limited company and special purpose vehicle buy-to-let borrowing. Mortgage considerations should be considered separately from tax and legal advice when deciding how a property should be owned.
04What is a portfolio landlord?
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What is a portfolio landlord?
The definition varies by lender and regulation, but landlords with several mortgaged investment properties can face additional underwriting of the wider portfolio as part of a new application.
05Can I refinance an investment property and release equity?
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Can I refinance an investment property and release equity?
Potentially. Available borrowing depends on the property value, rental income, existing mortgage, loan-to-value and lender criteria. The purpose for which capital is being raised can also be relevant.
06Can Intra help with more complex property types?
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Can Intra help with more complex property types?
Potentially. Specialist lenders may consider properties or investment structures that fall outside standard buy-to-let criteria. The appropriate lender depends on the property and circumstances involved.
07Can international clients finance UK investment property?
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Can international clients finance UK investment property?
Potentially. Intra works with clients with overseas residency, nationality, income or assets. Available lenders depend on the client's circumstances, property and proposed ownership structure.
Some forms of buy-to-let and commercial or specialist property finance may not be regulated by the Financial Conduct Authority. The regulatory status of a transaction depends on the individual circumstances involved.
Your home or property may be repossessed if you do not keep up repayments on your mortgage or other loan secured upon it.
Property finance
Discuss your next property transaction with an Intra adviser.
Tell us about the property, borrowing requirement and wider investment plans and our team can help explain the lending routes available.
enquiries@intra-pf.com