Property Finance for Investors, Landlords and Developers
Whole-of-market property finance solutions for every stage of your investment journey
Property Finance Made Simple.
WHAT IS PROPERTY FINANCE?
Whether you are buying your first investment property, developing a site from the ground up, refinancing a portfolio, or structuring a complex acquisition, TMD Specialist Finance has the lender access, the expertise, and the experience to get your deal done.
We are a whole-of-market specialist finance broker based in Washington, Tyne and Wear, with access to over 200 specialist lenders including challenger banks, private lenders, bridging providers, development funders, and commercial mortgage lenders. We arrange property finance for clients across the whole of the UK, from straightforward buy-to-let remortgages through to multi-million pound development schemes.
If your deal falls outside standard mortgage criteria, or you have been turned down elsewhere, talk to us before you give up.
OUR PROPERTY FINANCE PRODUCTS
Short-term secured lending for auction purchases, chain breaks, refurbishments, uninhabitable properties, and time-sensitive deals. We arrange both regulated and unregulated bridging loans with completion in as little as seven working days. Whether you need to move quickly on an auction lot, fund a conversion, or bridge to a longer-term exit, we will find the right facility at the right price.
Typical loan terms: 1 to 24 months Typical LTV: up to 75 percent Completions from: 7 working days
Specialist buy to let finance for houses in multiple occupation. We cover small HMOs, large HMOs, licensed HMOs, Article 4 areas, and properties with up to 20 or more bedrooms. We work with lenders who understand the HMO market and assess applications on rental income potential rather than just personal income.
Mortgages for properties let to students on assured shorthold tenancies. We cover single student lets and student HMOs near universities across the UK including Durham, Newcastle, and Sunderland. Lender criteria for student lets differs significantly from standard buy to let and we know which lenders offer the best terms.
Portfolio landlord finance, limited company buy to let, top slicing, multi-unit freehold blocks, and complex income structures. If your buy to let application is more complicated than a standard single property on personal name, we have the lenders and the experience to make it work.
Finance for below market value purchases, distressed asset acquisitions, and auction properties where standard lenders will not lend on day one. We work with lenders who are comfortable with UMV deals and understand how to structure them correctly.
Past credit problems do not automatically rule you out of getting a mortgage or investment finance. We work with specialist lenders who look at your full circumstances rather than just your credit score. Whether you have missed payments, defaults, CCJs, a debt management plan, or a previous repossession, we have lenders who will consider your case. The key is finding the right lender from the start rather than applying to mainstream lenders who will decline you, which protects your credit file and saves time.
Ground-up development, conversion, permitted development, and refurbishment finance for experienced and first-time developers. Funds released in staged drawdowns as the build progresses, with loan amounts based on gross development value rather than land value alone. Development finance is also available as part of our Commercial Finance offering.
Owner-occupied and investment commercial property finance including retail, office, industrial, warehouse, mixed-use, and semi-commercial. We arrange commercial mortgages for trading businesses, property investors, and landlords across the UK. Commercial mortgages are also covered in full on our Commercial Finance page.
Long-term refinancing solutions that allow you to remortgage onto a term product on day one of ownership, with no minimum ownership period required. The ideal exit strategy for bridging loans and development finance where speed of refinance is critical.
WHO WE WORK WITH
Our property finance clients include first-time investors taking their first steps into buy-to-let, experienced portfolio landlords with complex structures and large portfolios, property developers at every stage from land acquisition to exit, business owners looking to purchase commercial premises, and investors structuring deals through limited companies and SPVs.
Whatever stage you are at and whatever type of property you are financing, we have the knowledge and the lender relationships to help.
WHY USE TMD SPECIALIST FINANCE?
We are whole-of-market with access to over 200 specialist lenders. We understand complex cases and have arranged deals that others could not place. We move quickly when speed matters. We are FCA regulated and act in your best interests. And we have been part of The Mortgage Dog group since 2017, with over £207 million in lending arranged for clients across the UK.
For commercial finance including commercial mortgages, development finance, bridging and business loans, visit our Commercial page.
For residential mortgages visit our sister site The Mortgage Dog.
Speak to a Specialist Today
Ready to Discuss Your Property Finance Requirement?
Get in touch today for a free, no-obligation conversation. We will tell you quickly and honestly what is possible and how we can help.
YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON YOUR MORTGAGE.
There may be a fee for arranging a mortgage and the precise amount will depend on your circumstances.
TMD Specialist Finance is a trading name of The Mortgage Dog Commercial Ltd. The Mortgage Dog Commercial Ltd (FCA Number 1047575) is an Appointed Representative of Connect Mortgages, which is authorised and regulated by the Financial Conduct Authority. The Mortgage Dog Commercial Ltd. is registered in England and Wales under company number 16845257 at the registered address 41a Spout Lane, Washington, NE38 7HP. Not all Buy to Let Mortgages are regulated by The Financial Conduct Authority
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