Welcome to our specialist UK guide on revolving credit facilities uk . Specialist Property Lending Desk
Buy-to-Let Revolving Credit Facilities
Welcome to our specialist UK guide on revolving credit facilities uk. A Buy-to-Let (BTL) Revolving Credit Facility is a flexible borrowing line secured against your property portfolio. In practice, it operates exactly like a high-limit property overdraft. Consequently, active landlords and property developers can draw capital, complete acquisitions, and repay principal on demand. Crucially, you pay interest strictly on the funds actively deployed.
Explore Product Pillars:
£100,000 to £5,000,000+
Facility Limits
24 to 48 Hours
Drawdown Speed
Only on Drawn Funds
Daily Interest
0% Exit Fees / ERCs
Repayment Flexibility
Explore the 5 Knowledge Pillars
Our specialist commercial lending desk has structured deep-dive market insights across five core pillars below:
Pillar 1
1. The Basics
First, understand the core mechanics of draw-repay-redraw cycles. In addition, compare UK market terminology, FCA regulatory status, and differences from standard BTL mortgages.
Pillar 2
2. The Process
Next, review our step-by-step checklist of landlord eligibility criteria. Specifically, examine required portfolio documents, 2–4 week setup timelines, and rapid draw procedures.
Pillar 3
3. Rates & Costs
Furthermore, review complete pricing transparency on interest calculations and arrangement fees. Crucially, examine undrawn commitment fees and SPV tax deductions.
Pillar 4
4. Strategy & Uses
In addition, deploy strategic portfolio playbooks. Consequently, buy at auction as a cash buyer, cross-collateralise single assets, and structure via Limited Company SPVs.
Pillar 5
5. Hacks & Pitfalls
Finally, uncover insider techniques to replace expensive bridging finance. In practice, time drawdowns with rental cashflow, fund EPC upgrades, and avoid critical traps. Crucially, understanding these lending rules is essential when reviewing your revolving credit facilities uk options.
Specialist Commercial Desk
Need Bespoke Terms on a Revolving Credit Facility?
Specifically, Simon Carr, Specialist Finance Expert, and our senior commercial desk review portfolio schedules across 90+ UK specialist lenders. Furthermore, find out your borrowing limits and access unadvertised rates. Crucially, reviewing these criteria helps you secure the best revolving credit facilities uk terms.
Promise Money is authorised and regulated by the Financial Conduct Authority (FCA). Borrowing against property carries risk.
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Meet our specialist team
Learn about our 35 year story >
Steve Walker
Managing Director – 40 years of experience
Founding chairman of the Corporation of Finance Brokers. Specialist in UK residential mortgages, secured loans, and regulated bridging.
Simon Carr
Commercial Director – Proptech
Specialist in complex mortgages, commercial underwriting, and developer finance. Architect of Promise Money’s automated lending tools.