Property Finance
Capital That Scales With Your Ambition.
Key Capital acts as your gateway to the full spectrum of liquidity, from High Street and Private Banks to specialist lenders.
We do not use automated sourcing systems; we use leverage and relationships to structure deals that fit your business plan, not just the lender’s criteria.
Whether you are acquiring a single asset or refinancing a complex commercial portfolio, we translate your vision into a credit proposal that lenders understand, delivering speed, certainty, and the capital you need to grow.
High-Value & Bespoke Mandate
Time-Critical Execution
Trusts & SPV Structures
International & Offshore Clients
Complex Income & Corporate Structures
Core Lending Capabilities
A comprehensive suite of property finance solutions, engineered to deliver leverage, liquidity, and long-term value.
Residential Mortgages
Bespoke mortgage structuring for high-net-worth individuals. We specialize in navigating complex income streams, from foreign currency and retained profits to trust distributions, to secure high-value lending on prime assets.
- Large Loans & Private Banking
- Complex Income & Foreign Nationals
- High-LTV & Interest-Only Options
Buy-To-Let Mortgages
Optimization strategies for professional landlords. Whether you are refinancing a single asset or restructuring a property portfolio, we focus on maximizing leverage and yield through smart debt architecture.
- Portfolio Refinance & Restructuring
- Limited Company (SPV) Lending
- HMOs & Multi-Unit Blocks
Commercial Mortgages
Long-term capital for trading businesses and investors. We structure debt against offices, retail, industrial, and mixed-use assets, securing terms based on covenant strength and asset potential
- Owner-Occupier Trading Premises
- Commercial Investment Facilities
- Semi-Commercial & Mixed-Use
Bridging Loans
Fast, flexible liquidity for time-critical transactions. We execute rapid bridging solutions for auctions, capital raising, and chain-breaks, prioritizing speed of execution without compromising on terms.
- Auction Purchase & Chain Breaks
- Refurbishment & Conversion
- Regulated & Unregulated Bridges
Development Finance
End-to-end funding for construction projects. From site acquisition to practical completion, we structure high-leverage senior debt and mezzanine layers to support ground-up schemes and conversions.
- Ground-Up Construction
- Heavy Refurbishment & Conversions
- Development Exit & Sales Period
Get a Real Financial Partner
Tailored Lending Advice, Built Around You
We work with leading banks and private lenders to tailor finance solutions that align with your needs — not just your paperwork.
Why Clients Choose Key Capital
We work closely with clients to secure better terms, unlock opportunities, and deliver long-term financial confidence. Whether your situation is straightforward or more complex, our experience across residential, commercial, and specialist finance ensures you receive clarity, insight, and a smooth path to completion.
Tailored Advice, Not Templates
Bespoke lending strategies shaped around your goals and informed by market insight.
Market Insight & Negotiating Power
Direct access to decision-makers at 100+ lenders, from private banks to specialist funds.
Efficient Execution
We align lenders and legal teams to keep your transaction moving with clarity and confidence.
Long-Term Partnership
We act as a discreet, long-term advisor — from first acquisitions to complex portfolio strategies.
Speak to a Specialist
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