INVESTMENT PROPERTY LENDING

Lending that considers the next move

Property investment lending isn't just about financing one property.

For investors looking to build a portfolio, decisions made today can affect borrowing flexibility later.

At BWM Finance, we look at the proposed transaction alongside your existing lending, income position, ownership structure and future plans.

The objective is to establish lending that meets the immediate requirement while considering what may come next.

  • One area where lender selection becomes particularly important is borrowing through companies and trusts.

    There is a misconception that company or trust property lending is no longer available.

    It is.

    However, lender policies vary considerably.

    Different lenders can take different approaches to trustees, beneficiaries, directors, guarantees, business income and existing liabilities.

    This means a structure that one lender will not accept may potentially fit another lender's policy.

    Rather than being restricted to the policy of a single bank, we can assess the transaction against relevant lenders available through our panel.

    BWM Finance does not provide tax or legal advice regarding which entity should own an investment.

    Where a company or trust structure is being considered, we are happy to work alongside your accountant and solicitor so the lending component aligns with the structure recommended by your professional advisers.

  • As an investment portfolio grows, lending can become increasingly complex.

    Multiple properties, different lenders, equity positions and changing interest rates can all affect the overall structure.

    We can review existing investment lending and consider whether the current arrangements continue to support your objectives.