Business Details
Trusted Property Finance Solutions Glasgow
Swift Property Finance is an independent financial services company specialising in property development finance. We provide bespoke support to clients, guiding them through the application process to ensure a stress-free experience. Our independence from single lenders allows unbiased recommendations tailored to individual client needs, prioritising speed and efficiency. With expertise in bridging loans, commercial property finance, and auction purchases, we offer solutions ranging from 100,000 to 5,000,000. Our FCA-approved status ensures fair, professional handling of all finance agreements, with transparent disclosure of charges. We focus on quick decisions, often within days, to help clients seize time-sensitive opportunities.Our team understands diverse property projects, from residential refurbishments to commercial developments, and works closely with clients to identify optimal financing strategies. By leveraging relationships with multiple lenders, we secure competitive rates while maintaining rigorous compliance standards. Whether funding auctions, investment properties, or development projects, we prioritise client education and informed decision-making. Our commitment to ethical practices and customer-centric service has established us as a trusted partner in property finance.
Services
Bridging Loans
Commercial Property Loans
Auction Finance
Investment Property Loans
Property Development Loans
Highlights and features
- FCA-approved independent financial advisors
- Decisions completed within days for urgent projects
- Bespoke service for residential and commercial property finance
- Transparent fee structures with no hidden charges
- Specialist knowledge of auction finance and bridging loans
Associations and certifications
- Financial Conduct Authority
Services
Bridging Loans
Bridging loans provide temporary funding for property transactions requiring rapid completion. These loans are ideal for auction purchases, development projects, or chain breaks where traditional mortgages cannot meet tight deadlines. Our bridging finance solutions range from 100,000 to 5,000,000 with terms up to 24 months, offering flexible interest options including rolled-up or retained structures. Clients benefit from LTVs up to 75% and fast processing times, often securing funds within days of application.
Commercial Property Loans
Commercial property loans support businesses acquiring or developing non-residential assets. We arrange financing for offices, retail units, industrial premises, and mixed-use properties with loan amounts from 100,000 to 5,000,000. Our FCA-regulated process ensures appropriate lending decisions, considering exit strategies and commercial viability. Clients access competitive rates with lenders specialising in non-traditional business assets, including properties requiring significant refurbishment or redevelopment.
Auction Finance
Auction finance enables rapid funding for properties purchased at auction. These short-term loans meet the 28-day completion requirement typical of auction sales, with decisions often made before bidding. We provide loans between 100,000 and 5,000,000 for residential, semi-commercial, and commercial properties. Our clients receive pre-auction agreement-in-principle documents and post-sale expedited underwriting, ensuring timely transaction completion without penalty risks.
Investment Property Loans
Investment property loans fund residential or commercial development projects requiring swift capital access. Our products support property refurbishment, portfolio expansion, and ground-up construction with flexible terms up to 24 months. Loan calculations focus on property value rather than purchase price, allowing developers to retain cash for renovations. We work with clients on single-property investments or large-scale developments, offering LTVs up to 75% including fees and interest.
Property Development Loans
Property development loans finance construction or renovation projects needing substantial capital. These loans cover land acquisition, planning costs, and building works for residential, commercial, or mixed-use developments. We provide funding from 100,000 to 5,000,000 with staged drawdowns aligned to project milestones. Our FCA-approved process ensures appropriate risk assessment while maintaining speed, with particular expertise in complex schemes requiring specialist underwriting considerations.
Questions
What types of property finance do you offer?
We provide bridging loans, commercial property finance, auction finance, investment property loans, and development finance solutions ranging from £100,000 to £5,000,000.
How quickly can you arrange property finance?
Many applications complete within days, with auction finance decisions often made pre-bid to meet 28-day completion deadlines required by auction houses.
What loan-to-value ratios do you offer?
Up to 75% LTV including fees and interest, calculated against market value rather than purchase price for development projects.
Are there early repayment charges?
No, our short-term finance products carry no early repayment penalties, allowing flexible exit strategies aligned with property transactions.
Do you require FCA approval for clients?
We are FCA-regulated ourselves but don't require clients to have specific approvals, though business credentials and exit strategies must be demonstrated.
Can I get finance for uninhabitable properties?
Yes, bridging loans don't require habitable conditions, making them suitable for properties needing significant renovation that traditional mortgages would decline.
