Finance options
Finance Your Build
Don't let budget hold back your vision
We have partnered with a panel of trusted UK lenders to provide flexible, fast funding solutions tailored to your project. Whether you're a homeowner, landlord, or developer — we'll find the right finance for you.
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Get a Finance Quote
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- Funded
- £50M+
- Fastest Completion
- 7 Days
- Lender Panel
- 50+
- Approval Rate
- 98%
Official Finance Partner
Finovo
UK Property Finance Specialists
LINX has partnered with Finovo — a specialist UK property finance brokerage — to give our clients seamless access to bridging loans, development finance, commercial mortgages and buy-to-let products. One trusted partner. A whole-of-market panel. Faster decisions, better rates.
The LINX × Finovo Advantage
Why Finance Through Us?
Most builders leave you to find your own finance. We do things differently. Through our partnership with Finovo, your funding and your build work together from day one.
Panel of Trusted UK Lenders
We don't rely on a single lender. Our panel approach means we compare multiple offers to secure the best terms for your specific circumstances.
Fast Decisions, Quick Completions
Time-sensitive projects need fast funding. Our streamlined process and lender relationships mean quicker decisions and faster access to capital.
Build & Finance Under One Roof
Unlike standalone brokers, we understand construction. Our in-house team coordinates your finance alongside your build programme for a seamless experience.
Competitive Rates
Our volume relationships with lenders translate into preferential rates and reduced fees that you won't find approaching lenders directly.
Our Solutions
Finance Products We Offer
From quick bridging loans to long-term mortgages, we cover the full spectrum of property finance.
Klarna
- Subject to Klarna approval
- Smaller works & deposits
- Klarna is the lender
Where available, qualifying purchases can be spread over time through Klarna. Suitable for smaller works and deposits rather than a whole build.
Klarna is the lender and runs its own checks — LINX does not lend, does not decide the outcome and is not told the reason for a decline. Availability depends on the value of the purchase, the product Klarna offers at the time, and Klarna's own eligibility and affordability assessment. Missing payments can affect your credit file and may incur charges from Klarna.
PayPal
- Subject to PayPal approval
- Qualifying transactions
- PayPal is the lender
PayPal payment and finance options can be made available on qualifying transactions, depending on eligibility and the transaction value.
Where PayPal offers a credit facility, PayPal is the lender and applies its own eligibility, affordability and credit checks. LINX receives the payment and plays no part in the credit decision. Terms, charges and the consequences of missed payments are set by PayPal and are explained during their checkout.
Bridging Finance
- Funds in 7–14 days
- Up to 75% LTV
- Interest rolled up
Fast, short-term funding for purchases, refurbishments, and chain breaks. Funds can be released in as little as 7–14 days, keeping your project on track without delays.
Bridging loans are typically arranged over 1–18 months and are ideal when you need to move quickly — whether you're purchasing at auction, breaking a chain, or funding urgent refurbishment works before refinancing onto a longer-term product.
Development Finance
- Up to 90% of build costs
- Staged drawdowns
- GDV-based lending
Funding for ground-up developments, conversions, and large-scale projects. Staged drawdowns aligned to your build programme, so you only pay interest on what you've drawn.
Lenders will typically fund up to 65% of the land/purchase cost and up to 90% of the build costs. Funds are released in stages, monitored by a quantity surveyor, keeping your project financially aligned at every milestone.
Commercial Mortgages
- Up to 75% LTV
- Terms up to 25 years
- Fixed & variable rates
Long-term finance for purchasing or refinancing commercial property, including mixed-use, semi-commercial, and investment portfolios.
Suitable for offices, retail units, industrial premises, and mixed-use buildings. Whether you're acquiring a new site or refinancing an existing one, our lender panel offers competitive rates and flexible terms up to 25 years.
Buy-to-Let Mortgages
- Up to 80% LTV
- HMO & portfolio products
- Ltd company (SPV) options
Finance for individual or portfolio landlords, including HMOs, multi-unit blocks, and limited company structures.
Our lender panel includes specialist buy-to-let providers who understand complex structures. Whether you're a first-time landlord or managing a large portfolio, we'll find the right product for your circumstances.
Second Charges / Secured Loans
- Keep existing mortgage
- Up to 85% combined LTV
- Completion in 2–4 weeks
Raise capital against your existing property without disturbing your current mortgage — ideal for funding deposits, refurbishments, or business investment.
A second charge mortgage sits behind your existing first charge and allows you to unlock equity without remortgaging. Completion can typically be achieved in 2–4 weeks, making it a fast and flexible capital-raising solution.
Turnaround Times
Typical Timescales
Every project is different, but here are typical timescales you can expect for each product.
- Bridging Finance
- Initial Decision24 hoursFull Completion7–14 days
- Development Finance
- Initial Decision48 hoursFull Completion3–6 weeks
- Commercial Mortgage
- Initial Decision48 hoursFull Completion4–8 weeks
- Buy-to-Let Mortgage
- Initial Decision24 hoursFull Completion3–6 weeks
- Second Charge / Secured Loan
- Initial Decision24 hoursFull Completion2–4 weeks
| Product | Initial Decision | Full Completion |
|---|---|---|
| Bridging Finance | 24 hours | 7–14 days |
| Development Finance | 48 hours | 3–6 weeks |
| Commercial Mortgage | 48 hours | 4–8 weeks |
| Buy-to-Let Mortgage | 24 hours | 3–6 weeks |
| Second Charge / Secured Loan | 24 hours | 2–4 weeks |
Who Qualifies
Eligibility & Requirements
Who Can Apply
- Homeowners & property investors
- Property developers (first-time and experienced)
- Limited companies & SPVs
- Landlords (individual and portfolio)
- Business owners purchasing commercial premises
What Lenders Look For
- Property value and loan-to-value ratio
- Rental income (for BTL) or development appraisal (for dev finance)
- Credit history (many lenders consider adverse credit)
- Exit strategy (how the loan will be repaid)
- Experience (for development finance)
Documents Needed
- Proof of ID and address
- Bank statements (3–6 months)
- Property details / address
- Development appraisal or schedule of works (if applicable)
- Proof of deposit or equity
- Company accounts or SA302s (if applicable)
What Can Be Financed
Finance Any Type of Building Work
Whether it's a rear extension on a family home or a multi-unit new build development, we can structure the right finance package.
- Extensions
- Loft Conversions
- Full Renovations
- New Builds
- Property Conversions
- Basement Constructions
- Commercial Fit-Outs
- Refurbishments
- Change of Use Projects
...and more. If it can be built, it can be financed.
Speak to Our Finance TeamFAQs
Everything You Need to Know
Common questions about how property finance works — from deposits and credit checks to exit strategies and timeframes.
It depends on the product. Bridging loans typically require 25–35% equity or deposit. Development finance can cover up to 90% of build costs but usually requires you to own the land or put in 30–35% of the purchase price. Buy-to-let mortgages generally need a 25% deposit minimum.
During the initial consultation and sourcing stage, we do not run any credit checks. A soft search may be performed when presenting indicative terms. A full credit search is only conducted once you formally proceed with an application, which is standard practice.
Absolutely. Many of our lender partners specialise in self-employed applicants. Depending on the product, lenders may use your SA302 tax calculations, company accounts, or even contract day rates to assess affordability.
Typical fees include: lender arrangement fee (0.5–2% of the loan), valuation fee (£300–£1,500), legal fees (varies by solicitor), and broker fee (discussed upfront during consultation). We are always transparent about costs from the outset — there are no hidden charges.
Yes. In fact, most finance is arranged before works begin. For development finance, funds are drawn down in stages as the build progresses. For bridging or secured loans funding a renovation, the full amount is typically released at completion.
An exit strategy is how you plan to repay the loan. For bridging finance, this might be selling the property, refinancing onto a mortgage, or using funds from another sale. Lenders need to see a clear, realistic exit before approving funding.
Yes. Specialist lenders and bridging finance providers regularly fund uninhabitable or unmortgageable properties. These are often ideal candidates for refurbishment bridging loans, with the intention of refinancing once works are complete and the property is brought up to standard.
For bridging finance, a Decision in Principle (DIP) can often be issued within 24 hours. Standard mortgage products typically take 3–5 working days for an initial decision. We always push for the fastest turnaround possible.
★★★★★
"LINX arranged our development finance alongside the build. Having one team manage both the construction and funding made the whole process seamless. We completed on time and within budget, and the finance terms were better than anything we'd been offered directly."
Get Started Today
Ready to Fund Your Project?
Speak to our finance team today for a free, no-obligation consultation. We'll help you find the right funding solution and can get you an initial decision within 24 hours.
Important: LINX Living Ltd is not authorised or regulated by the Financial Conduct Authority (FCA). We act as an introducer only and do not provide financial advice. We are not the lender on any product shown on this page and we do not make, or influence, any lending decision. Nothing here is an offer of finance, and no approval is guaranteed. Every application is subject to status, eligibility, affordability, the lender’s own criteria, valuation and approval, and the lender’s terms apply. Where a product is provided by Klarna or PayPal, that provider is the lender and its own eligibility checks, terms and charges apply; missing payments may affect your credit file. Your property may be at risk if you fail to keep up repayments on a mortgage or other loan secured against it. We recommend seeking independent financial advice before entering into any finance agreement.
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