Investment and owner-occupier mortgages
Investment lending is sized on rental income, usually requiring interest cover of 130% to 175% depending on tenant quality and lease length, at 60% to 75% loan-to-value. Owner-occupier lending is sized on trading cash flow instead, and often achieves higher leverage because the occupier is the covenant.
Bridging and short-term debt
Bridging funds speed: an auction purchase, a chain break, a refurbishment before refinance, or a title problem that takes months to fix. It is priced monthly and approved on the strength of the exit. Without a documented, dated exit — sale or refinance — good bridging terms are hard to get.
Development finance
Development facilities are drawn in stages against a monitoring surveyor's certificates, typically covering land at 50% to 65% and construction costs at 90% to 100%, within a loan-to-gross-development-value ceiling around 65%. Contingency, professional fees and finance costs must all be inside the appraisal.
The exit is the deal
Short-term property debt is underwritten on how it repays. Term sheets improve dramatically when you evidence the exit: a signed sale contract, an agreed refinance term sheet, or pre-lets that make an investment refinance bankable.
Frequently asked questions
How fast can bridging complete?
Two to four weeks is realistic with clean title and a prompt valuation; some lenders complete faster on straightforward residential-backed cases.
Can I fund a property purchase in another country?
Yes, though the lender pool narrows to those active in that jurisdiction, and local legal and valuation requirements extend the timetable.
Last reviewed: 2026-08-15