Property Finance Brokers UK | Whole of Market, 135+ Lenders

At Bolton Business Finance we support property investors and commercial property owners to get the lending they need.

We are independent property finance brokers with access to a wide range of banks and specialist lenders for buy to let mortgages, commercial property mortgages, HMOs, bridging loans and property development projects. As we are not a lender ourselves, we work for you and what’s best for your business.

Written by Marcus Wright, owner and founder of Bolton Business Finance Ltd, in financial services since 2008 and a commercial finance broker since 2019. Last reviewed September 2026.

Apply For Property Finance Call 0161 546 9128

On this page

Property finance at a glance
Business purpose lending only
Independent property finance experts
Types of property finance
Which product fits your deal
How an enquiry runs
Property finance calculators
Property finance guides
Property finance in Manchester
Property finance FAQs

The short version

Bolton Business Finance is an independent property finance broker arranging commercial mortgages, bridging loans, development finance, buy to let mortgages and holiday let mortgages for UK businesses and property investors.
All lending we arrange is for business purposes only. The firm is not authorised by the FCA and does not arrange residential mortgages or consumer buy to let.
Our panel runs to 135+ lenders, from high street banks to specialist and private lenders.
As at September 2026, facility sizes across the lender panel run from £10,000 to over £200m, and bridging terms run from 1 to 36 months.
In our experience a bridging loan completes in two to four weeks on a clean case, and a commercial mortgage takes three to six months from first enquiry.
Property secured deals carry a £495 upfront fee and 1% on completion. The firm has traded since 2020 and is a member of the National Association of Commercial Finance Brokers.

135+Lenders on our panel

£10k to £200m+Facility range, September 2026

1 to 36 monthsBridging terms available

FreeFirst meeting, no obligation

Property finance at a glance

Property finance is lending secured against land or buildings for business purposes, whether that is buying premises, funding a purchase against a deadline, building out a site or holding a let portfolio. The table below shows which type of property finance fits which situation, with a link to the page that covers each one in full.

Property finance at a glance
Finance type	Use it when	Typical structure
Commercial mortgage	Buying or refinancing premises you trade from, or a commercial investment property	Term loan, 3 to 25 years
Bridging loan	The purchase has a deadline the term market cannot hit, or the property will not yet secure a mortgage	1 to 36 months, interest usually retained or rolled up
Development finance	Ground up build, conversion or heavy refurbishment	Land or site advance plus staged drawdowns
Buy to let mortgage	Holding let residential property through a limited company or as a portfolio landlord	Term loan, tested on rental cover
Holiday let mortgage	Short term holiday letting rather than a standard tenancy	Term loan, assessed on seasonal income

Property finance brokers reviewing commercial property plans with an investor

Business purpose lending only

Who we can help

Bolton Business Finance arranges property finance for limited companies, LLPs, trading businesses and property investors borrowing for business purposes.
We do not arrange residential mortgages, first time buyer mortgages, consumer buy to let or any loan to an individual secured on their own home. Where a limited company or LLP is the borrower, a director’s own home can be offered as security for business or property investment purposes.
If you are a sole trader or a partnership of two or three partners, speak to us first. Some lending to you may be regulated, and regulated lending is outside what we can arrange.

Independent Property Finance Experts

Gone are the days of relying on a bank manager to solve all your property lending requirements. Modern landlords and property owners like you need to access the appropriate lender for your circumstances.

There are now hundreds of different specialist property lenders in the UK, catering to a wide range of sectors and circumstances.

You get one named contact who knows your deals and can be reached any day of the week.

Experienced Property Finance Brokers
Named Independent Relationship Manager
Property Finance Made Simple
Review Existing Loans & Mortgages
Assistance With Finance Applications

Our panel is built from direct relationships rather than a single lender’s product range. On a typical property case we approach the handful of lenders who actually do that kind of deal, rather than sending the file to all 135. That keeps your credit file clean and gets a sensible answer back quicker.

What Types of Property Finance Do We Offer?

We offer a full range of commercial finance options for landlords, property investors, developers and commercial property owners. As specialist property finance brokers, we can help with a wide range of circumstances.

Commercial Mortgage Brokers

Access a large range of Commercial Mortgage options for a variety of purposes.

Commercial Mortgages
Offices, Warehouses, Commercial Units
Owner Occupier Mortgages
Commercial Investment
Semi Commercial Mortgages

Work out what a lender is likely to offer with our commercial mortgage affordability calculator, or send us the details and we will compare commercial mortgage quotes for you.

Buy To Let Mortgage Brokers

Access a large range of Buy to let Mortgage options for a variety of purposes.

Buy to Let Mortgages
Multi-Units & Residential Block Mortgages
Holiday Let Mortgages
Serviced Accommodation Mortgages
Limited Company Mortgages
HMO Mortgage

Buy to let lending is arranged for business purposes only, typically for limited company landlords and portfolio investors. We do not arrange consumer buy to let, including letting a property you or a family member have lived in.

Bridging Loan Brokers

If you are renovating a property or have a short term funding requirement, a Bridging Loan may be suitable. Secured against residential or commercial property, release money for renovations or other business purposes.

Any amount from £10,000 to £100m, 1 to 36 months, across our lender panel as at September 2026.

Price a bridge before you commit with the bridging loan cost calculator, or ask us to compare commercial bridging quotes for you.

Property Development Finance Brokers

If you are a property developer looking to finance your next project we can help. From heavy refurbishments, commercial conversions and ground up development, there is potentially funding available.

Funding Heavy Refurbishments
Ground Up Development
Commercial Conversions
Land Purchase
Planning Applications
Development Exit

First scheme? Read property development finance for first time developers. For offices, industrial and retail schemes see development finance for commercial property.

Holiday Let Mortgage Broker

Apply for a holiday let mortgage, either for a new purchase or to refinance an existing one. Holiday homes are a popular investment in the UK and there are a number of specialist mortgage providers.

Which product fits your deal

The right product depends on how quickly you need the money, how long you need it for and how it will be repaid. Bridging is the fastest and most flexible but the most expensive per month. A commercial mortgage is the cheapest over time but the slowest to arrange. Development finance is the only one of the three built to fund construction in stages.

Bridging loans and commercial mortgages compared
Feature	Bridging loan	Commercial mortgage
Speed	Two to four weeks on a clean case	Three to six months from first enquiry
Term	1 to 36 months	3 to 25 years
Interest	Monthly rate, usually retained or rolled up	Annual rate, paid monthly
Exit	Sale or refinance, and the lender underwrites it	Repaid over the term
Suits	Auctions, chains, refurbishment, unmortgageable property	Stable owner occupied or let property

Development finance sits between the two. It is short term like a bridge, typically 12 to 24 months, but it is released in stages as a monitoring surveyor signs off the work, so you only pay interest on what has been drawn. Model a build with the development finance drawdown calculator. Most lenders set their limits by loan to value on the property, and on development by loan to cost and gross development value.

How an enquiry runs

Every property finance enquiry we handle runs through the same five stages. Most of the elapsed time sits in valuation and legal work, not in getting terms.

First call, where we establish what the property is, what you want to borrow and how the loan will be repaid
Lender selection, where we go to the lenders on our panel who actually do this type of deal rather than all 135
Indicative terms, usually back within 48 hours on bridging and a little longer on term lending
Valuation and legals, instructed once you accept terms, which is where most of the time goes
Completion and drawdown, with staged releases on development finance

Specialist property finance broker meeting a business owner outside commercial buildings

Property finance calculators

Our free calculators give you a working figure before you speak to a lender.

Property finance guides

Longer guides written from cases we have placed.

Bridging finance guides

Development finance guides

Buy to let and investment guides

Unsure of a term? The commercial finance glossary covers the language lenders use, including LTV and BMV.

Property Finance Brokers, Manchester

If you are looking for a local service, we cover the whole of Greater Manchester. If required we can meet on site or you can come and visit our head office in Bolton town centre.

We arrange property finance for clients across the UK, and work face to face across the North West. See our commercial finance broker in Manchester page, or our wider commercial finance broker services for business loans, asset finance and invoice finance.

Property finance FAQs

What does a property finance broker do?

A property finance broker finds and arranges lending secured against property on behalf of the borrower. Bolton Business Finance works out which lenders on its 135+ panel will consider your deal, presents the case to them, negotiates terms and manages the process through valuation and legal work to completion. We are not a lender, so we work for you rather than for one bank’s product range.

What types of property finance can Bolton Business Finance arrange?

Bolton Business Finance arranges commercial mortgages, semi-commercial mortgages, bridging loans, auction finance, refurbishment bridging, land bridging, property development finance, development exit finance, buy to let mortgages for limited company and portfolio landlords, and holiday let mortgages. All of it is lending for business purposes to companies, LLPs, trading businesses and property investors.

Do you arrange residential or consumer mortgages?

No. Bolton Business Finance is not authorised by the Financial Conduct Authority and arranges business purpose property finance only. We do not arrange residential mortgages, first time buyer mortgages, consumer buy to let or any loan to an individual secured on their own home. A limited company or LLP can still offer a director’s home as security for business or property investment borrowing.

How much can I borrow with property finance?

As at September 2026, facility sizes across our lender panel run from £10,000 to over £200m. How much you can borrow on a given deal depends on the property value, the loan to value the lender will accept, and either the rent, the trading profit or the exit. Commercial property usually supports a lower loan to value than residential investment property.

What does a property finance broker charge?

Bolton Business Finance charges a £495 upfront fee on property secured deals and 1% of the loan on completion. The upfront fee covers packaging the case and approaching lenders. Lenders also charge their own arrangement, valuation and legal fees, and we set those out in writing before you commit to anything.

How quickly can property finance be arranged?

In our experience a bridging loan completes in two to four weeks on a clean case, and faster where the legal work is simple. A commercial mortgage usually takes three to six months from first enquiry to completion. Most of the time is taken by valuation and legal work, so instructing a solicitor early is the single biggest thing you can do to speed it up.

Apply For Property Finance Today

Tell us about the property and the plan

Speak to one of our team on 0161 546 9128 or fill in the form below. Send us the property, the price or value, what you want to borrow and how it will be repaid, and we will be in touch straight away, usually with indicative options within 24 hours.

Call 0161 546 9128

About the author

Marcus Wright is the owner and founder of Bolton Business Finance Ltd. He has worked in financial services since 2008, beginning his career at Santander, and has been a commercial finance broker since March 2019.

He founded Bolton Business Finance in 2020 to give businesses access to the whole lending market rather than one bank’s own product range. The firm is a member of the National Association of Commercial Finance Brokers and works with a panel of 135+ lenders.

Marcus arranges commercial mortgages, bridging, development finance, business loans, asset finance, invoice finance and merchant cash advances. Call 0161 546 9128.

Bolton Business Finance Ltd is an independent commercial finance brokerage, not a lender. We are not authorised by the Financial Conduct Authority and can only complete non-regulated introductions. All lending is for business purposes only. Registered address: Westgate House, 1 Westgate Avenue, Bolton, Greater Manchester, BL1 4RF. Company number 12495909.

Simon Johnson

Simple, easy and professional. Listen to business requirement and found the perfect funding solution. Thank you...!

Ihsan Gungor

Great help and fast

Hassan Raza

Many Thanks Marcus for arranging funds for my business despite having several challenges on credit file.

Craig Barclay

Amazing service - Thank you Marcus first class

Shazad “Shaz” Khan

The service is undecrible. I had a lot of issue through other brookers but it has been dealt professionally by Marcus. The service i received is more then beyond expectations.

Gordon Angus

I can't recommend Bolton Business Finance Ltd highly enough. They were able to get us excellent terms and a higher loan amount than expected - far better than any other broker. Marcus was very friendly, helpful and supportive throughout the application and I will definitely use their services again.

Gerad Barclay

Exemplary Business Finance Service Bolton Business Finance and its MD Marcus Wright are professional and an example to others in the industry. Strongly recommended. Most business people searching for a business finance broker will have dealt with Estate Agents, Recruitment Agencies, or both. You know the types; recruitment “consultants” that try to palm you off with unsuitable candidates having doctored the CV to look great, or estate agents that assure you the enquirer is a “Cash Buyer” or in a fabulous position when in fact they have not even got an offer yet for their overpriced property. Many Business Finance Brokers are as above, probably worse. They work the numbers game of collecting applicants then punt the applicants around the types of lenders that want to tie you down with crazily high interest rates, unviable repayment terms and the ubiquitous PG. My advice is to look out for these shady practitioners. They want your personal ID, 6 months Bank Statements and annual accounts before even discussing solutions to your problem. They have only a passing conversational interest in your business. Be especially alert to the additional introduction “Fee” for getting to offer stage. One such broker added a 5% fee unto an already sky-high rate of interest front-loaded unto the principle, no reduction for early settlement, and of course the dreaded PG. Try getting 5% Interest per year on deposit of £200,000…. It is currently almost impossible yet, some brokers want 5% (£10,000 on that £200K) just for the introduction. That’s 3–5 times what Estate Agents will charge, and they typically must do some work and wait 6 months for the transaction to complete. The broker may well have punted your most personal details by email to any number of lenders leaving you exposed in many ways. Marcus did none of the above. He listened to the requirements. Noted preconditions, made no promises but came back very quickly with imaginative propositions. Very personal details and confidential information were requested only when there was agreement in principle. I will certainly use again.

Tyler Homeyard

Great company to deal with. Marcus is a great guy and knows what he’s doing. They helped me with factoring my invoices on Courier Exchange. Very seem less process. Highly recommend.