Residential Property Investment
Residential Property Investment
Our residential property investment loans could be the right fit for you if you’re looking to invest in residential property to generate a return.
From investment loans designed to help acquire a property to refinance loans capable of replacing an existing agreement, our products can set you on your way to generate capital appreciation as quickly as possible.
What is Residential Property Investment?
A residential property investment loan enables you to purchase or refinance a residential property with the intention of generating income or capital appreciation.
This type of investment can take many forms, including purchasing single-family homes, apartments or studios, student accommodation, multiple occupancy buildings or social housing properties. Refinancing an existing property loan may also be possible for those looking to replace an existing investment loan with a new one.
Residential property investment can provide you with a stable, long-term source of passive income and also serve as a hedge against inflation.
Get in touch
Our expert team is here to guide you through your journey. Tell us about your needs, and we will be happy to help.
If you already have a relationship with one of our team members please visit, Meet the team.
How to finance your Residential Property Investment
Our residential property investment loans enable property investors, funds, or landlords to acquire or refinance assets. We offer specialised short and mid-term residential investment loans suitable for various property types.
Once you get in touch with our property investment finance experts, the process is simple.
An initial discussion or discovery phase will allow us to establish every aspect of your needs with the aim of ensuring you can finance your investment project without hassle. From that initial discussion to the final commitment and drawdown of the loan, we will work with you every step of the way.
As a starting point, these factors will determine your eligibility to qualify for one of our finance options:
- Your residential property is in England, Scotland or Wales
- Your desired loan amount is between £2m - £45m
- You have relevant experience
About our Residential Property Investment Loan
Our specialist loan is designed to support your investment in freehold or long leasehold residential property assets, including private rental sector, houses, apartments, and HMOs. This loan can also be used to refinance existing assets and offers.
Key features
| Minimum loan size | £2,000,000 |
|---|---|
| Maximum loan size | £45,000,000 |
| Max term | 5 years |
| Drawdown | Single and multiple tranches offered |
| Repayment | Interest only and repayment offered |
| Max LTV | 70% |
Lending criteria
Property types
- Existing units, including houses, houses of multiple occupation, apartments, and studios in low- or high-rise blocks
Borrower types
- Individuals, partnerships, and UK corporate borrowing entities
- UK-based ultimate owners
- Experienced with a demonstrable track record
Security
- First legal charge over the property
- Debenture over the borrower
- Personal or corporate guarantees
- Other security as required
Tenure
- Freehold or long leasehold
Other things to consider
- A historic record of occupancy and operating costs will be required
- There may be a small element of commercial property within the portfolio
“As we look to grow our business in the UK, it is important for us to build long-term relationships with reliable funding partners. We found the Secure Trust Bank team collaborative and pragmatic in their approach. We hope to continue to work together as we look ahead to new projects.”
How we can help you?
We’re dedicated to helping you achieve your development goals with lending solutions tailored to meet your specific project needs.
We’re committed
We are committed to providing funding to help small to medium sized property developers and investors in the UK.
We’re responsive
Our experienced team can deliver fast, flexible lending decisions.
We’re reliable
As an established, well-funded and capitalised UK bank we will support investors’ and developers’ needs as they grow.
We’re personal
Our relationship led approach means your Relationship Director will manage the process through the life of the loan.