UK Property Finance Broker for Investors, Landlords & Developers
Tell us the property, the amount required, your borrower structure and the completion deadline. We help you understand the realistic mortgage or property finance routes for the deal in front of you.
Finance should fit the transaction in front of you.
A property finance broker helps you assess which lending route fits the transaction, borrower structure and required timeline before you commit to an application.
Lockwell Finance supports landlords, property investors, developers and international buyers across Buy-to-Let mortgages, bridging, refurbishment finance, developer exit and international mortgage cases.
The first conversation focuses on the fundamentals: the property, the amount required, how you intend to borrow, what the property will be used for and when the finance needs to complete. From there, the team can explain the likely documentation, application stages and relevant routes.
Five details make the first conversation more useful.
You do not need a complete application pack to start. A clear outline of the transaction helps the team understand what needs to happen next.
The property
Property type, location, purchase price or current value, and its present condition.
The amount required
How much you need to borrow and, where relevant, the deposit or equity position.
The borrower structure
Whether you expect to borrow personally, through a company or using another ownership structure.
The deadline
Your target completion date and any auction, refinance, chain or development timing pressure.
The intended outcome
Whether the plan is to hold, let, refurbish, sell, refinance or move away from existing development finance.
Six property finance routes for different stages of the deal.
Start with the route closest to your situation, then use the detailed service page to understand common uses, requirements and next steps.
Buy-to-Let Mortgages
Longer-term mortgage options for landlords and investors purchasing or refinancing rental property.
View Buy-to-Let finance 02 / Short-term financeBridging Loans
Short-term finance for auctions, chain breaks, urgent purchases, refinancing and other time-sensitive property deals.
View bridging finance 03 / Property worksRefurbishment Bridging
Short-term property finance considered around a defined programme of improvement works and a credible repayment route.
View refurbishment finance 04 / Development transitionDeveloper Exit Loans
Finance for completed or near-complete developments moving away from an existing development facility.
View developer exit finance 05 / International applicantsForeign National UK Mortgages
UK mortgage guidance for non-UK nationals, considered around residence, income, deposit, property and required timeline.
View foreign national mortgages 06 / Overseas residentsOverseas Mortgages
UK mortgage support for overseas residents and UK expats buying or refinancing property in the United Kingdom.
View overseas mortgage supportStart with what the finance needs to achieve.
Property transactions do not always fit neatly into one product label. The intended outcome is often the clearest way to identify the right place to start.
Purchase or refinance a rental property
Explore a longer-term route for property intended to generate rental income.
02Complete quickly or purchase at auction
Consider short-term property finance where timing is central to the transaction.
03Improve the property before refinancing
Structure short-term funding around the property, planned works and intended exit.
04Move away from development finance
Review finance for a completed or near-complete project requiring a clearer sales or refinancing period.
05Buy UK property as an international applicant
Start with nationality, residence, overseas income, deposit, property and ownership structure.
From deal brief to application and completion.
A clearly prepared transaction makes it easier to identify realistic routes, understand lender requirements and keep the next stage focused.
Tell us about the deal
Share the property type, amount required, target completion date and whether you intend to borrow personally or through a company.
Application and documentation
The team explains the paperwork required and helps coordinate the application stages needed to keep the case moving.
Completion
Once the lender conditions and legal requirements are satisfied, the funding completes and the purchase, refinance or project moves forward.
Built by property investors, for property investors.
The practical focus is the transaction itself: what you are buying, how you intend to borrow, when you need to complete and what needs to happen after the initial finance is in place.
Discuss your propertyDeal-led assessment
The starting point is the property, borrower structure, amount required and intended outcome—not a pre-selected product.
Timing made visible
Time-sensitive cases are organised around the valuation, documentation and legal stages that can influence completion.
Structure considered in context
Available options are considered in the context of the wider deal, including how you intend to borrow and what happens next.
Clear next steps
Clear communication helps you understand what is required at each stage, what is happening and what needs to happen next.
Check the numbers before you discuss the finance.
Estimate monthly mortgage repayments from the amount borrowed, interest rate and mortgage term, or review the likely stamp duty associated with a property purchase.
What clients say about working with Lockwell Finance.
Feedback from property investors, landlords and international buyers who have worked with Lockwell Finance.
Lockwell Finance were sharp, transparent, and genuinely focused on what would work for my deal. The process was clear from day one.
I appreciated how quickly they understood my portfolio and mapped out the right route. No jargon—just practical steps.
As a non-UK resident, I needed guidance on documents and timelines. The team were responsive and made it feel simple.
Questions to answer before you apply.
Product requirements and completion times vary according to the lender, property and borrower profile.
View all FAQsWhat types of property finance do you arrange?
We support Buy-to-Let mortgages, bridging loans, refurbishment bridging, developer exit loans, foreign national UK mortgages and overseas mortgage solutions.
How quickly can bridging finance complete?
Timeframes vary by case, but bridging is designed for transactions where speed matters. The valuation, documentation, legal work, property and lender requirements all influence the realistic completion timetable.
Do you work with first-time landlords?
Yes. First-time landlords may have mortgage options, although lender requirements vary. The property, rent, deposit, income, credit profile and wider circumstances can all influence the available route.
Can you help if I am buying through an SPV limited company?
Yes. SPV and limited-company structures are commonly considered for property investment. The lender may assess the company, directors, shareholders, property, deposit and supporting documents as part of the application.
What documents will I usually need?
Common requirements include identification, proof of address, bank statements, income or business evidence and property information. The exact documents depend on the finance route, lender and borrower structure.
Do you offer foreign national UK mortgages?
Yes. Lockwell Finance supports non-UK nationals purchasing or refinancing property in the United Kingdom. Residence, income location and currency, deposit, property, intended use and ownership structure can affect lender choice.
What is the difference between a mortgage and a bridging loan?
A mortgage is generally longer-term borrowing for an eligible property and borrower. Bridging is short-term property finance normally connected to a defined transaction and a clear route for repayment.
What is a refurbishment bridging loan?
It is short-term property finance used where a property requires improvement before it can be sold, refinanced or moved onto suitable longer-term lending.
What is a developer exit loan?
A developer exit loan is short-term property finance used to refinance existing development borrowing where a project is complete or approaching completion and requires a clearer period for sale or the next funding route.
How do I get started with an enquiry?
Share the property details, amount required, borrower structure, intended outcome and target completion date. The team can then review the transaction and explain the most realistic next step.
Research the details before you commit to the deal.
Practical guides covering affordability, lender requirements, rental-property finance and common property-investment questions.
View all guidesBuy-to-Let Mortgage with No Proof of Income
How Buy-to-Let affordability differs from a standard residential mortgage and what evidence may still be required.
Read guide Rental incomeMinimum Rental Income for a Buy-to-Let Mortgage
Why expected rent matters and how lender calculations can influence the mortgage amount available.
Read guide Property typeBuy-to-Let Mortgages for Leasehold Properties
Key considerations when an investment property is leasehold rather than freehold.
Read guideBring us the deal. Start with the facts that matter.
Share the property, amount required, borrower structure, intended outcome and target completion date. The team can then review the case and explain the realistic finance routes and likely next steps.