Property & Development Finance

Unlock value in property with the right development finance guidance. At NGI Finance, we support developers and investors throughout the property lifecycle, from initial feasibility to securing funding and delivering successful development outcomes.

Total property and development business support

Whether you are planning a new build, land acquisition, renovation, or redevelopment, our expert advisers can help assess options and connect you with competitive finance products tailored to your project goals and risk profile.

Commercial
Mortgages

Commercial mortgages provide structured financing solutions for businesses purchasing or refinancing non-residential property such as offices, retail spaces and mixed-use buildings. These products are designed to align with long-term business objectives, offering repayment terms that suit projected income streams and operational stability. Lenders typically assess business performance, property value and repayment capacity. Our guidance helps simplify application processes while improving access to competitive commercial lending options.

Commercial Investment Mortgages

Commercial investment mortgages support individuals and businesses acquiring income-generating property assets for portfolio growth or strategic investment purposes. Funding decisions are usually based on rental yield, tenant quality, property location and borrower experience within the investment market. These facilities can help preserve working capital while expanding property holdings or refinancing existing assets. Our specialists help structure investment finance packages that balance risk, return and long-term financial performance.

Property Development Finance

Property development finance is designed to support construction and redevelopment projects from land acquisition through to project completion. Funding can cover site purchase, professional consultancy costs, construction stages and contingency requirements, with capital often released in phases as development milestones are achieved. This approach helps manage project risk while maintaining cash flow flexibility. We help developers navigate lender requirements, feasibility assessments and exit strategies for successful project delivery.

Commercial Property Finance FAQs

  • Commercial property finance is funding used to purchase, refinance or develop commercial property.

    Options can include commercial mortgages, bridging finance and development finance. The right solution depends on the property, your objectives and your circumstances.

    At NGI Finance, we work with a wide panel of lenders to source suitable and competitive property finance.

  • We can help finance a wide range of commercial property, including:

    • Offices
    • Factories and warehouses
    • Land
    • Retail units
    • Nursing and care homes
    • HMOs
    • Hotels, pubs and restaurants
    • Farms
    • Dental and medical surgeries
    • Garages and workshops
    • Nurseries and schools
  • Commercial mortgage:
    Used to purchase or refinance premises your business occupies, such as an office, warehouse or retail unit.

    Commercial investment mortgage:
    Used to purchase or refinance commercial property that will be rented to tenants. Lending is typically assessed against factors such as rental income, lease terms and property value.

    Property development finance:
    Short-term funding for construction, conversion or refurbishment projects. Funds are usually released in stages and repaid when the development is sold or refinanced.

    We’ll help you identify the most suitable option for your objectives.

  • Yes. A commercial mortgage can be used to purchase premises for your business, including offices, retail units, warehouses, industrial premises and other business facilities.

  • Yes. Most lenders require a deposit, although the amount depends on the property, your experience, the purpose of the finance and the lender’s criteria.

    Many lenders offer up to 70–75% loan-to-value (LTV), meaning you’ll typically need a 25–30% deposit. Higher LTVs may be available in certain circumstances.

  • Yes. Commercial property refinancing can be used to release equity, secure a more competitive rate or restructure existing borrowing.

    Funds can also be used for business expansion, purchasing additional property, renovations, improving cash flow or consolidating debt. The amount available depends on the property value, existing borrowing and lender assessment.

  • Yes. Finance can be available for land purchases and commercial development projects. The appropriate funding depends on the project and whether planning permission has been obtained.

    Development finance can fund ground-up developments, conversions, refurbishments and site acquisitions, with funds typically released in stages as the project progresses.

  • Property finance is rarely one-size-fits-all. With over 20 years’ commercial finance experience, NGI Finance has strong relationships with high street banks, challenger banks and specialist property lenders.

    We source funding for both straightforward and complex transactions, negotiate with lenders and manage the process through to completion.

  • Fees will depend on the type and complexity of the finance and the lender involved. Any applicable NGI Finance fees will be explained clearly before you proceed.

Latest News

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