Raising Capital From Property for Business or Investment
Using property to raise capital for a business or further investment can be done several ways — each with different costs, risks and lender criteria.
By Matthew Pigrome CeMAP
Founder of Mortgage321 · Working in financial services since 1989
Client type
Property owner seeking capital
Mortgage objective
Capital raising for business or investment
Primary challenge
Choosing between remortgage, further advance and bridging — and meeting the lender's purpose-of-funds criteria.
Key lesson
The right route depends on the amount, the timescale, the property type and what the capital is for.
The full write-up is being finalised
This case is part of the Mortgage321 casebook. The complete write-up will be published once it has been compliance-approved. If your circumstances sound similar, request a Complex Case Review or discuss your case with an adviser — there’s no obligation and no mark on your credit file.
This Mortgage321 Scenario Guide is educational and does not represent a completed client case or a guaranteed outcome. It does not constitute financial, tax, legal or immigration advice. Outcomes depend on your individual circumstances and lender criteria at the time. Always consult an FCA-regulated adviser. Where buy-to-let or commercial finance is discussed, your property may be repossessed if you do not keep up repayments on a mortgage secured on it. Mortgage321 is a trading style of Matthew Christopher Pigrome, an appointed representative of Ingard Financial Limited, authorised and regulated by the Financial Conduct Authority No. 450731.
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