Property finance
Acquisition, refinancing or project finance
Property finance end to end
We cover everything from acquisition and refinancing to development finance, bridging loans, top-up loans, and senior and junior debt.
Flexibility
The right structure for your property deal. We adapt the term, amortisation requirements and conditions to your circumstances and the deal itself.
Fast & straightforward
Securing capital for property deals is complex and time-consuming. We make it simple and run the whole process. Every good property deal deserves to happen.
Property acquisition
Senior or junior debt for a property purchase.
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Development finance
Capital to build new rental and owner-occupied homes.
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Refinancing
Refinancing of existing loans.
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Bridging loan
Short-term finance with a term of 1–18 months.
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Housing cooperative loan
Take-out financing for new-build or conversion.
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How does it work?
Apply digitally
Complete the application in our portal.
Indicative terms within 12 hours
We analyse the deal, gather the supporting documents and come back with a decision.
Disbursement
We send out the loan agreement, and once it is signed the loan is paid out.
What is property finance & how does it work?
Property finance is used to acquire, build, refurbish or refinance commercial property, residential buildings or land.
Which type of loan fits depends on the purpose of the deal — whether it is long-term ownership, a temporary bridge, or releasing capital ahead of new investments. Rates, terms, loan-to-value and security requirements vary between structures.
We analyse your deal in detail and put together the best financing solution for your specific needs. Through our broad network — from banks and specialist credit providers to family offices and private investors — we secure the right structure and terms for every deal.
What is property finance used for?
- Acquisition of commercial property or land
- Junior or top-up loans alongside other financing
- Bridging loans pending a sale or take-out financing
- Refurbishment or new construction
- Releasing capital for investment
- Refinancing of existing loans
Frequently asked questions about property finance
What does property finance with Elva cost?
The cost of the loan itself depends on the size of the project, the property type and the risk profile.
What interest rate applies to property finance?
The rate is set individually based on creditworthiness, loan-to-value and the size of the loan. For short-term or fast financing it is often higher. Bridging loans are often offered without amortisation.
Can I borrow to build a new property?
Yes, we arrange property loans secured on land or a site, development finance, and bridging loans for building work.
Are interest-only property loans available?
Yes, we can arrange bullet loans where only interest is paid monthly. That is a good option during construction, keeping ongoing payments as low as possible.
What loan-to-value can I get?
The loan-to-value depends on property type, location and cash flow. We go through what is possible in your particular deal.
What security is needed?
Common forms of security are a property mortgage, a pledge of shares, a personal guarantee and a parent company guarantee. Security does not only improve the chance of approval; it often leads to better terms.