Here to help you make smarter property finance decisions

Property lending when you need it, whatever the size or complexity

Financing options to fit you, from equity release to bridging loans

Property Finance & Loans

Looking to invest in property but don’t have the cash upfront? Or perhaps you need to move fast on a property deal, and need a helping hand? That’s where Smart Money comes in. Whether you’re looking to buy your dream home, unlock equity or finance your property goals, we can help you secure the property loan or finance option that fits you best.

Unlock your property goals

Straightforward and flexible options, including interest-only mortgages, equity release, loans for property in Jersey, holiday homes, overseas properties and land purchases.

Make property work for you

From interest-only payments to rolling up interest and fees into one lump sum payment at the end of the loan term, discover property finance that can be tailored to you.

Simple application. Expert advice.

Our team of experienced professionals will support you through the application process and make sure that you’re getting the property financing solution that aligns best with your goals.

Customer service rep on phone at desktop

How it works

Apply online now, and you could have funds within 24 hours. Our team of friendly and knowledgeable property finance specialists are on hand to answer any questions you may have and guide you through the application process.

What can Smart Money Property Finance be used for?

Interest-only Mortgages

Maximise your buying power with affordable payments. Get the home you want with an interest-only mortgage from Smart Money.

Equity Release

Unlock the value you’ve built up in your home, without having to sell it. Use the cash to support your retirement, clear debt or make home improvements.

Property Purchases

With a wide range of property purchase financing options, Smart Money can help you realise your residential or commercial property dreams.

Holiday Homes

Escape to your dream destination whenever you want. Obtain financing for your perfect second home, whether it’s a ski chalet, a beach villa or country cottage.

Overseas Properties

Take advantage of opportunities to invest in international real estate, whether for rental income, capital appreciation or a place to call your own.

Land Purchases

Unlock the potential of land for development or investment. Get financing for your land purchase and make your vision a reality.

Bridging Loans

Don’t let a short-term gap in finances stop you from achieving your goals. A bridging loan from Smart Money can help you stay on track.


We’re here to help.

What is a Bridging Loan?

A bridging loan is a short-term loan designed to help you bridge the gap between buying a new property and selling an existing one. Unlike traditional mortgages, bridging loans offer fast access to cash with minimal upfront costs and flexible repayment terms. A Smart Money bridging loan can be a great option if you need to move quickly on a property purchase or renovation project, or if you are looking to invest in property without committing to a long-term loan.

How much can I borrow with Property Finance?

The amount you can borrow will depend on various factors such as the value of your property, your credit score and your income. When you apply for a property loan with Smart Money, our team will help you assess your borrowing capacity and advise on a property financing option that is best tailored to your unique circumstances.

What is Equity Release and how does it work?

Equity release allows homeowners to unlock the equity tied up in their home, providing them with a lump sum. Smart Money Equity Release can be a flexible way to access the value of your home while still enjoying the benefits of being a homeowner.

Representative example

For example, if you were to borrow £5,000 over 60 months at 6.5% per annum (fixed)* (representative 13.3% APR), the total amount repayable would be £6,757.80, of which £1.757.80 is interest. This also includes a documentation fee of £100.

*The interest rate offered, and documentation fee charged on assessment may differ and the representative rate in this example may not be the rate that you receive. The rate you are offered will depend on several factors including the amount you wish to borrow, your chosen term, your personal circumstances and your credit rating. The maximum APR you could be offered is 29.9%.

Minimum & maximum loan amounts
Minimum loan amount is £2,000. Maximum loan amount unsecured is £100,000 (higher if secured).

Minimum & maximum repayment terms
Minimum repayment term is 12 months. Maximum repayment term for unsecured lending is 60 months. Maximum repayment term for secured lending is 84 months.