Property investment finance in one easy application

Straightforward loans for specialist needs. Fund your next residential rental property with finance starting from £100,000 up to £3,000,000.
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Fast finance for your next buy-to-let

Ready to build your buy-to-let portfolio? There’s no such thing as ‘too complex’ for us: we provide our customers with property investment finance in days or weeks, not months.

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Expert loans built for success

We don’t offer cookie-cutter loans, so we aren’t put off by unique projects that require specialist terms or flexible loan packages. We’ll consider the intricacies of your project or assets to customise loan facilities that give you as much control and flexibility as you need.

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You’re in control, with one transparent application

We want to remove financial barriers from ambitious entrepreneurs, not enforce them. That’s why our application process is straightforward, funding is made available to you quickly, and friendly experts are always on hand to help.

Tailored property financing made simple

Specialised lending, streamlined

Get a custom-built loan without jumping through hoops. Even if your loan needs are more complicated, we’ll do the hard work to keep the process quick and simple for you.

Get personalised loan terms in 5 minutes

Get provisional terms for your next property investment in just 5 minutes* by applying online today.*

*Subject to each application circumstances.

Speak to a specialist when it suits you

You can manage your applications end-to-end in your own time in one simple online account.

But if you’d prefer a human helping hand, our friendly experts are easily contactable when you need them.

One transparent application process start to finish

You’re back in control of your loan journey, with sight over every part of your application – from initial terms to acceptance. So now you can save time to do what matters – like building your business.

Build your success in property today 

Save time and stress with one streamlined loan application and you’ll have personalised loan terms within just five minutes (subject to each application’s circumstances).

Apply now

What should I consider before applying online?

Our online application for residential property investment has a few criteria, so if you’re in the real estate, property development – or investment sector, and you’re looking for a specialist business loan above £3,000,000 for something different, we can still cater to you. Check out our real estate loans page for more information.

If you’re an introducer who wants fast and flexible financing for your customers, fill out this short online form and we’ll be in touch.

Loans up to £3,000,000

Our residential property loans start from £100,000 and go up to £3,000,000. If you’re looking for a loan higher than that visit our real estate loans page for development financing up to tens of millions.

Funding for residential properties

We provide financing for experienced investors looking to grow their residential portfolio or companies buying rental properties for the first time.

If you’re looking for finance for commercial properties, check out our real estate loans page.

Funding for property valued from £150k

Our minimum residential property investment loans start at £100k and our minimum property value is £150k, going all the way up to £3m loans to a maximum 70% LTV ratio.

Floating interest rates

We offer floating interest rates that will vary based on changes to the Bank of England base rate.

Maximum loan to value 70%

For our residential loans, the loan amount can be up to 70% of the overall value of your properties.

Occupied properties only

These loans are only for investors buying properties with tenants already in place. If you’re looking to buy a property that’s currently empty, our real estate loans can fund from £100,000 up to tens of millions.

Meet Ali, founder of Dandi Group

Wanting to elevate the experience of London studio living, our funding and specialist sector knowledge helped Ali achieve his goals to create homes that are both functional and beautiful.

View transcript

Because I’ve lived in studio flats, historically, when you have guests back home, and then you open the door there’s a bed there, and you have to squeeze your way in as well. I always had in the back of my mind that I should do something to bring dignity back to people who live in studio flats. This is London, the most desired city on Earth and property should reflect that.


That element of surprise, magic, is what we’re about at Dandi. The space revolves around your very needs throughout the day, it can be a bedroom, switch to a living room, switch to an office or a dining room, all in one. One of the ways of me achieving my goal is having lenders like OakNorth, so I can execute my dream. There’s lots of financial institutions who are more restricted to one-off loans.  I find that with OakNorth they’ve got a deeper ability to assist for numerous projects.


It means that it allows me to go out there and be more aggressive in reaching my goal, instead of waiting for projects to complete, they actually assist you with the second, third, and fourth, as long as it makes sense. That’s what you need as a serious player in the property market.


One thing that pleasantly surprised me is the fact that the boss himself attended a site visit, he was curious to see what we’re about and you don’t get that with other lenders. And I suppose you only do that when you are really fully dedicated and say, ‘Look, we’re behind you. We get you.’ They’re always on the other side of the line. I don’t recall having ever had an issue getting hold of someone at OakNorth. It is very frustrating when I have to leave four, five, six messages or emails for the bank director that I’ve known for 15 years to call me back. So that’s the good thing about OakNorth, they’re always there.

Buying property as a non-UK resident?

We can help overseas investors and non-UK residents build their portfolios with fast specialist loans.

Start tomorrow’s growth plans today 

There’s a constant demand for rental homes in the UK. Investing in property with a loan can help you release capital for your business to leverage in other growth areas, and depending on your rental income, you could find that the property pays for itself. So, if there’s a great investment opportunity to expand your portfolio, don’t miss out due to working capital restraints.  Not sure if it’s the right fit for you? Check out our guide to property investment loans for more information.

Apply now

Introducing OakNorth?

If you’re looking for fast and flexible financing on behalf of ambitious businesses, we want to hear from you. Simply fill out this short online form to find out how to connect your customers to a lending partner that speaks their language.


Yes we will. We judge each loan application on its own merits and don’t make blanket decisions based on one factor alone.

For residential property investment, we offer terms of one to five years. If you’re looking for bridging loans, revolving credit facilities, or other specialist loan facilities, visit our real estate loans page to find out what else we can do for your sector.

Yes. All of our loans require personal guarantees regardless of the loan size. To find out more about what a personal guarantee is and how they’re used at OakNorth check out our full guide.

We offer loans up to tens of millions for property development and property investment, but this digital application is currently only for residential property investment loans from £250,000 up to £3,000,000. If you need a bigger loan, or want a business loan for another type of project, visit our real estate loans page.

If you’re unable to fill out your digital application you can request help at any point and one of our friendly advisors will support you.