• Residential Investments & Property Development and Finance in the UK

    Totum Finance can help from land purchases, development, refurbishment, buy to let and auction purchases.


Property Finance

The property part of the practice is one of the busiest, with ever more investor appetite in investing at various stages of the property chain. Totum Finance can help from land purchases, development, refurbishment, buy to let and auction purchases.


Property Development

If you are involved in the building industry or make a living from Property Development and refurbishment then the good news is that funds are available for profitable projects which fit criteria. Property Development and Refurbishment loans are provided from £50K upwards.


Whether you are investing in a house, terrace, mews or apartment or developing a new building, conversion or mixed use project, we focus on speaking to the lenders that understand your needs.    

Buy to Let & House of Multiple Occupancy

Buy to let mortgages allow the borrower a first charge loan using an investment residential property as security. The buy to let mortgage is set-up so that the property is tenanted out and the mortgage payments are covered by the rent generated by the tenant within the security.

A HMO mortgage is a conventional buy to let mortgage taken over a security that has multiple tenants. It is referred to as a house of multiple occupancy i.e. shared bathing and kitchen facilities.

A holiday let mortgage is a conventional buy to let mortgage on a security that has long-term tenancy restrictions.

A portfolio mortgage straddles the border between buy to let lending and commercial mortgages as a loan over multiple properties.

In a buy to let form this will take individual loan charges against each property whereas in commercial form a single loan facility can stretch over multiple properties. The former tends to be interest only, the latter amortizing.


Each mortgage type will offer advantages and disadvantages
when financing your asset.  Our team will work with you on
understanding your requirements.



A buy to let mortgage provider will lend to a set percentage of the purchase price of the property and this is generally at the top end (Loan to Value) of alternate forms of finance.

As a long-term product the rates often tend to be very competitive and the borrower is provided with a choice of a fixed or variable rate product. A fixed rate product allows the borrower to plan monthly expenditure; a variable rate product holds the advantage of a potentially decreasing monthly payment.