JPM Residential
Contact UsJPM Residential helps property investors, landlords and developers find finance for property purchases, refinancing, refurbishment and development projects across the UK.
We arrange property investment finance, buy-to-let mortgages, bridging loans, auction finance, refurbishment finance, development finance and development exit finance.
The right type of funding will depend on the property, how much you need to borrow and what you plan to do with it.
If you are looking for finance for a property investment or development, contact JPM Residential to discuss the options available.
Who is JPM Residential?
JPM Residential helps property investors, landlords and developers find finance for property across the UK.
We can help whether you are buying a single buy-to-let, adding properties to an existing portfolio, purchasing an HMO, buying at auction or funding a refurbishment or development project.
Different properties and projects require different types of finance. We look at what you are buying or refinancing, the amount required and your plans for the property before discussing the available options.
What Property Finance does JPM Residential Provide?
JPM Residential arranges finance for property purchases, refinancing, refurbishment and development. Our services include:
Property Investment Finance: Finance for buying, refinancing or investing in property.
Buy to Let Mortgages: Mortgages for properties bought or owned to rent to tenants.
Limited Company Buy to Let Mortgages: Buy-to-let mortgages for properties purchased or held through a limited company.
Portfolio Landlord Mortgages: Mortgage options for landlords with several buy-to-let properties.
HMO Mortgages: Mortgages for houses in multiple occupation.
Bridging Loans: Short-term finance for property purchases, refinancing and other situations where funds are needed quickly.
Buy to Let Bridging Loans: Short-term finance for buy-to-let properties, including properties that require work before a mortgage can be arranged.
Auction Finance: Finance for property bought at auction where the purchase must be completed within a set timeframe.
Refurbishment Finance: Funding for renovation and refurbishment work.
Development Finance: Finance for property development, construction and conversion projects.
Development Exit Finance: Finance used to refinance a development facility when a project is complete or nearing completion.
We can discuss your plans and help you understand which type of property finance may be suitable.
When Might you Need Property Investment Finance?
Property investment finance can be used to purchase, refinance, refurbish or develop property.
A buy-to-let mortgage may be suitable if you are buying a property that is ready to rent. There are also specific mortgage options for limited companies, portfolio landlords and HMO properties.
Not every property is ready for a standard mortgage. If you are buying a property that needs work, completing an auction purchase or need funds before longer-term finance is available, a bridging loan or refurbishment finance may be more appropriate.
Development finance is generally used for larger construction, conversion or development projects. Once the work is complete or close to completion, development exit finance can be used to refinance the original development facility.
The right option depends on the property, the work involved and how you intend to repay the finance.
How does JPM Residential Work?
JPM Residential starts by finding out what you need to finance and what you plan to do with the property. The process usually works as follows:
Tell us about the property: Let us know what you are buying or refinancing, how much you need to borrow and what the finance will be used for.
We look at the available options: We consider your requirements and identify lenders and finance products that may be suitable.
Choose how you want to proceed: We explain the available options so you can decide which route works for you.
Submit your application: We help prepare the application and provide the lender with the required information.
Progress to completion: We help progress the application through to an offer and completion.
The process can differ depending on the type of finance and the lender's requirements.
Who does JPM Residential Help?
JPM Residential works with property investors, landlords and developers across the UK. We can help:
Individual property investors
Buy-to-let landlords
Portfolio landlords
HMO landlords and investors
Property investors buying at auction
Investors buying properties that need refurbishment
Property developers
You do not necessarily need a large property portfolio to enquire. We can help with finance for a single investment property as well as larger portfolios and development projects.
Why Choose JPM Residential?
JPM Residential provides access to a range of property finance options for landlords, investors and developers.
We can help with different stages of a property investment, from buying and refurbishing a property to refinancing an existing investment or funding a development.
Property finance available across the UK
Options for individual and limited company borrowers
Finance for single properties and portfolios
Short-term and longer-term funding options
Finance for purchases, refurbishment and development
Tell us about the property and what you need to finance, and we can discuss the options available.
Frequently Asked Questions
What types of Property Finance does JPM Residential offer?
JPM Residential offers property investment finance, buy-to-let mortgages, limited company buy-to-let mortgages, portfolio landlord mortgages, HMO mortgages, bridging loans, auction finance, refurbishment finance, development finance and development exit finance.
The type of finance you need will depend on the property, how it will be used and your plans for repayment.
Can JPM Residential Help with Auction Property Purchases?
Yes, JPM Residential can help arrange finance for properties bought at auction.
Auction purchases normally have a fixed completion deadline, so auction finance or a bridging loan may be used when longer-term funding cannot be put in place in time.
Can I get a Buy to Let Mortgage Through a Limited Company?
Yes, there are buy-to-let mortgages specifically available for properties purchased or held through limited companies.
The options available will depend on the property, expected rental income, amount being borrowed and the lender's criteria.
Can JPM Residential Help Portfolio Landlords?
Yes, JPM Residential can help portfolio landlords finance new property purchases and refinance existing buy-to-let properties.
Lenders may consider the performance of your wider portfolio when assessing an application, as well as the property being financed.
Can I get a Mortgage for an HMO?
Yes, specialist HMO mortgages are available for properties let as houses in multiple occupation.
The lender will usually consider the property, rental income, number of rooms and your experience as a landlord when deciding whether to lend.
Can I get Finance for a Property that Needs Refurbishment?
Yes, bridging loans and refurbishment finance can be used to fund properties that require work.
Which option is suitable will depend on the condition of the property, the work required, how much it will cost and what you intend to do with the property afterwards.
What is Development Finance?
Development finance provides funding for property development projects, including new-build developments, conversions and substantial refurbishment work.
Funding is usually structured around the cost and value of the development, with money for construction work often released in stages as the project progresses.
What is Development Exit Finance?
Development exit finance is used to refinance an existing development loan when a project is complete or close to completion.
It can be useful when completed properties still need to be sold or when you want to move away from the original development finance facility while arranging your next step.
Get In Touch
If you need finance to buy, refinance, refurbish or develop a property, contact JPM Residential.
Tell us what you are looking to finance, how much you need to borrow and what you plan to do with the property. We can then discuss the finance options available.