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Tide has joined forces with Funding Options, becoming the largest credit marketplace in the UK. 

Providing over £1.1 billion in funding to more than 19,000 UK businesses, we’re on a mission to help business owners grow with confidence. 

Why choose Tide to help you apply for property finance?

Applying for small business finance with Funding Options by Tide is easy – there’s no lengthy application process and you can check your eligibility in minutes.

Free and fast

It’s free to apply and it only takes minutes to complete, saving you valuable time

No risk

We run soft eligibility checks so you can get a decision-in-principle without impacting your credit score

Bespoke

Our team of experts will help you from start to finish, searching the market for credit options best matched to your business

Our UK property finance services

Bridging loans

Ideal if you need a fast, short-term solution to bridge any funding gaps - for example, if you’re completing on a time-sensitive purchase, refurbishing to remortgage or even releasing equity from your property to support your business.

  • They’re quick to arrange, so are more suitable for time-sensitive property purchases or auctions

  • Flexible repayment options are available

  • Bridging loans may have higher interest rates as they’re seen as higher risk due to their short-term nature

Limited company buy-to-let mortgages

You’ll need a buy-to-let mortgage if you are wanting to purchase a property to rent through your limited company.

  • Designed for purchasing or remortgaging properties that are, or will be, let to tenants

  • Loan affordability is typically calculated based on the projected rental income

  • Companies are generally able to deduct mortgage interest as a business expense

Second charge mortgages

If you already own a property and are wanting to release equity to invest in a new project, you can use a second charge mortgage to inject cash into your business.

  • Second charge mortgages ranks behind the first mortgage, meaning the original lender will have priority in the event of repossession

  • Maximum loan-to-value (LTV) ratio is typically 75% of the value of the property you’re looking to purchase

  • Interest rates on second charge mortgages tend to be higher than on first charge loans as there’s an increased risk for the lender

Access a range of business finance options from our trusted partners

What do you need to apply for property finance?

  • Basic information about your business, such as how old it is, and your annual revenue 

  • Information on directors and shareholders

  • Bank statements covering the past year

Depending on your business and the finance you need, the criteria may differ.

Apply now

How to apply for property finance through Tide

With access to 30+ property finance lenders, Tide will find a lender tailored to your business - and the process is simple.

What is property finance used for?

Aaron MoOng Ong Buns

With the help of Tide and their team of business finance experts, I was able to navigate the complexities of business finance, and secure the necessary funds to grow my business.

Do you need help financing another project?

Whether you’re stacked with overdue invoices or after more flexible funding for wider projects, we have options for you.

Business loans

Business credit cards

Asset finance

Invoice finance