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PROPERTY FINANCE

Start laying the groundwork with property finance

Whether you’re looking to develop a multi-unit site, need funding to add to your buy-to-let portfolio, or a cash boost to expand your trading premises, we have a range of financial products that can be tailored to your business needs.

  • Borrow from £50,000 to £50 million to secure your business property

  • Compare property finance from 30+ lenders

  • Check your eligibility in minutes without affecting your credit score

 Apply now

Already a Tide member? You can apply for loans and other finance directly within the Tide app.

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

Providing over £1.6 billion in funding to more than 43,000 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

Commercial mortgages

Commercial mortgages are a type of long-term loan designed to help businesses buy, refinance, or expand their commercial properties - like warehouses, offices and shops.

  • Repayment terms from 3 to 25 years

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

  • Commercial mortgages are secured against the property that you require the loan for

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

Development finance

If you’re starting a new construction or renovation project - whether that’s for a new build or a conversion - development finance can help you cover the costs.

  • Cover costs like land, planning and building materials

  • Funding is released in stages, tied to project milestones and valuations

  • Interest is typically only charged on the drawn amount, so you only pay for what you’re using

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

Apply now

Access a range of business finance options from our trusted partners

Are you eligible for property finance?

Your eligibility depends on several factors, like the type of finance, the value of the property, your intended use of it and your deposit type. To be eligible for any type of finance from Tide, you must:

  • Be over 18

  • Be a UK resident

  • Have a UK-based business

  • Have a UK bank account

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

We've already helped businesses secure more than £1.6 billion

We’ve provided funding to more than 43,000 businesses across the UK, as part of our mission to help business owners grow with confidence.

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.

  1. Tell us how much you need to borrow We’ll ask you how much you need, what it’s for, and for some basic information about your business.

  2. Compare loans without impacting your credit score We’ll connect you to the largest network of lenders in the UK, so you can view affordable credit options that suit the unique needs of your business.

  3. Apply in minutes Once approved, you’ll receive a quote from a lender you matched with.

Apply now

What is property finance used for?

Property finance encompasses a wide range of products that help businesses purchase, refinance or develop commercial and residential properties. Commercial properties can include:

  • Offices buildings

  • Warehouses

  • Retail spaces

  • Restaurants

  • Hotels

  • Healthcare spaces (care homes, dental practices, etc)

You can use it to acquire these spaces as part of an expansion, invest in rental properties to generate income, or kick-start a new construction project.

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

Get funding for larger business investments or long-term growth.

Explore business loans

Business credit cards

Manage cash flow, earn rewards and build your business credit score.

Explore credit cards

Asset finance

Pick up essential equipment or vehicles without upfront capital.

Explore asset finance

Invoice finance

Unlock cash from unpaid invoices, improving immediate cash flow.

 Explore invoice finance

How to track your business credit score

Are you wanting to improve your business credit score?

Credit Score Insights is a simple and affordable way to help you understand, track and take action to help you boost your business credit score.

 Track your credit score

Learn more about financing your business

Explore more funding guides
Explore more funding guides

We understand businesses, it's all we do

We understand businesses, it's all we do

Tide is built by business owners for business owners. That’s why we’re trusted by over 1.5 million sole traders, freelancers, and limited companies worldwide.

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Tide | Do what you love.
Tide Platform Limited (Tide) designs and operates the Tide website and app. Tide is not a bank. Tide is authorised by the Financial Conduct Authority (FCA) under the Electronic Money Regulations 2011 under firm reference number 900843 for the issuing of electronic money and the provision of payment initiation services and account information services under the Payment Services Regulations 2017. Tide is also authorised and regulated by the Financial Conduct Authority in relation to its credit and insurance broking activities (firm reference 718743). Tide is incorporated and registered in England and Wales with company number 09595646 and registered office at 4th Floor The Featherstone Building, 66 City Road, London, EC1Y 2AL. Tide offers bank accounts powered by ClearBank® Ltd (ClearBank) (account sort code is 04-06-05). ClearBank is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under registration number 754568. Eligible deposits with ClearBank are protected up to a total of £120,000 by the Financial Services Compensation Scheme (FSCS), the UK's deposit guarantee scheme. For further information visit Home. ClearBank Ltd is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 754568). Registered Address: ClearBank, Level 27, The Broadgate Tower, 20 Primrose Street, London, United Kingdom, EC2A 2EW. Eligible deposits held in the Tide Business Current Account (powered by ClearBank) are covered by the Financial Services Compensation Scheme (“FSCS”) subject to eligibility. All eligible deposits at the same bank are aggregated to determine the coverage level for each depositor up to £120,000, therefore if you have any other product/services with ClearBank these will be aggregated. To find out more and to check your eligibility please visit: About us . Some of Tide’s members also hold e-money accounts powered by PrePay Technologies Limited (PPT) (account sort code is 23-69-72). PPT is an electronic money institution authorised by the FCA under the Electronic Money Regulations 2011 under firm reference number 900010 for the issuing of electronic money. PPT holds an amount equivalent to the money in Tide current accounts in a safeguarding account which gives members protection against PPT’ insolvency. Tide Cards may be issued by both Tide and PPT, who are licensed by Mastercard International for the issuance of cards. The issuer of your Tide card will be identified on your monthly card statement. Tide Capital Limited is an appointed representative of P1 Investment Services Limited which is authorised and regulated by the Financial Conduct Authority under firm reference number 752005 to carry out such regulated activities as are involved in the provision of Tide Investment Account. Seccl Custody Limited is the custodian of assets held in Tide Investment Account and is authorised and regulated by the Financial Conduct Authority (firm reference number 793200) and registered in England and Wales under No. 10430958. Registered office 20 Manvers Street, Bath BA1 1JW. Tide, the Tide logo, the Swell, and Do Less Banking are trademarks and trade names of Tide Platform Limited, and may not be used or reproduced without the consent of the owner.