Real Estate Financing

• Mortgages on investment properties for purchase and refinancing;

• Conversion and renovation financing for properties you want to renovate or repurpose;

• Financing through a network of investors who can often finance faster and more flexibly than traditional banks;

• Special structures such as 50/50 real estate deals and customized options (depending on situation and goal);

With this broad range of offerings, you can obtain financing for various real estate projects from rental properties to conversions. For more information: contact us

The main criteria used to assess financing applications are:

• The property’s own returns, particularly rental income and market value; financiers focus primarily on what the property generates rather than your income alone.

• Affordability of interest and financing, the application must demonstrate that the financing can be safely supported;

• Capital and solvency, this can be in the form of personal funds or equity in other real estate;

• Insurance and collateral, the property must be adequately insured and a first mortgage lien must be established.

Depending on the type of financing (e.g. conversion project or standard investment mortgage), additional requirements may apply.

It can be surprisingly fast:

• Traditional banks often take months, but through our network of investors, approvals typically happen within ~1 week, provided the file is complete;

• Speed factors include a complete file, appraisal, and clear project information.

So: with good preparation, financing is often finalized within a few business days.

Yes, experience is not always a strict requirement, but it does affect financing options:

• Lenders primarily look at the income-generating capacity of the property, not just your track record;

• Beginners can often obtain financing, but sometimes requirements for own capital contribution or yield may be stricter.

You can compensate for this by presenting a strong business plan, solid finances, or by partnering with an experienced partner, for example.

Yes, we also assist with:

• Refinancing or switching commercial mortgages if your current terms are unfavorable;

• We review whether switching results in better interest rates or repayment structures, and this can often be done even with multiple properties or entire portfolios;

• This typically happens faster than with standard banks because customized solutions are provided.

In short: switching is definitely an option, especially to optimize your returns.