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Property financing

You are always in good hands with accessible, knowledgeable people who understand your needs.

Whether you’re an existing customer or new to Cynergy Bank, we are dedicated to meeting your financial needs across a range of sectors.

We have been operating successfully in the UK since 1955 with a simple and straightforward business model. We offer a secure and consistently attractive range of products for UK savers, and offer small and owner-managed businesses an attentive and responsive banking relationship by providing a range of flexible products and services that can be tailored to suit every business.

Your relationship manager can help you identify the most appropriate financing option to meet your needs whether you’re investing, developing or dealing in property.

Purchasing or refinancing residential properties

Property investment loans

We can arrange funding for the purchase or refinance of residential properties, also known as buy-to-let, and on a variety of mixed-use and commercial properties.

Buy-to-let funding is generally available for up to 65% of the value of the property, on a repayment or short-term interest-only basis, or with partial capital repayments. For commercial properties, investment funding is typically available for up to 55% Loan to Value (LTV) on terms of up to 10 years. Interest rates are offered depending on the quality of the covenant interest cover, LTV and duration of the facility.

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Property development loans

We can also arrange loans to buy and develop properties.

These loans are repayable as a lump sum after the fully developed property has been sold or refinanced. In some circumstances, we may be able to capitalise interest. The typical loan will usually not exceed two years. Other terms including pricing and LTV are dependent upon the size and nature of the development.

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If you’re purchasing or refinancing residential investment property, ask your relationship manager about a buy-to-let mortgage.

The term of this mortgage can be for up to 10 years. At the Bank's discretion, loans may be granted with a partial capital repayment schedule, with the balance to be repaid upon maturity (for example, where a loan is granted for a term of ten years but repayments are calculated over 20 years).

Helping residential landlords improve the energy efficiency of their property portfolios

Under current Government proposals, all newly rented properties will need a minimum Energy Performance Certificate (EPC) rating of C by 2025, while existing tenancies have until 2028. 

Energy Performance Certificates

An Energy Performance Certificate (EPC) gives each property a Standard Assessment Procedure (SAP) rating. This provides a property with an energy efficiency rating from A (most efficient) to G (least efficient) and is valid for 10 years.

Cynergy Bank offers two funding options for EPC-certified properties

Ways you can contact us

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Phone us

0345 850 5555 (or +44 (0) 20 3375 6422 if you're calling from outside the UK)

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Email us

Use our online form to send us an email