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There are many property finance products currently on the market.

You may be wondering, how do you know which finance is right for you and your project? And do any of them allow you to borrow 100% of all the funds you need?

Below, we have listed the most popular property finance solutions, to help you navigate through your options.

Bridging finance

Bridging loans allow you to borrow money for a short period of time, usually to cover the shortfall of funds you need. When you take out this kind of loan, a ‘charge’ will be placed on your property, in case you can’t repay the loan. Bridges can be expensive and you will be charged with monthly interest.

Peer-to-peer lending

Investors will pledge funds towards your loan amount in exchange for a return at the end of the loan term. Unlike traditional lending, p2p loans are based on the end value (GDV) of projects, allowing you to borrow up to 100% of what you need for the purchase price and works costs.


Mortgages are ideal for long-term investments, such as buy to let and require you to put down a hefty deposit toward the purchase price. They are secured on the value of your property until they are paid off in full. There are many types of mortgages to choose from, which are tailored to suit your circumstances.

Commercial mortgage

The loans are based on the commercial value of a property, unlike regular mortgages, which rely on bricks and mortar. The commercial value of a property is calculated by multiplying the annual rental income by the GRM (gross rent multiplier).

Sourced Franchisees get exclusive access to our in-house funding facility, Sourced Capital. It allows them to borrow up to 100% of the purchase price and works cost, since the loans are based on the end value and not the purchase price of a property.