What Is Property Finance?

Property finance is the funding used to purchase, refinance, or develop property. It covers a wide range of arrangements, from buy-to-let mortgages for landlords to short-term bridging loans for investors. Each type of finance comes with complex legal requirements, that’s where we help.

Our team reviews contracts, liaises with lenders, and safeguards your position so you can move forward with confidence.

Types of Property Finance We Support

Buy-to-Let Mortgages

If you’re buying or refinancing a rental property, our solicitors will manage the legal checks and paperwork required by your lender. We’ll also advise you on ownership structures — whether buying in your personal name or through a limited company.

Commercial Investment Mortgages

Financing a shop, office, or mixed-use property? Commercial lending involves more complex terms and often higher risks. Our specialists negotiate terms, review lender conditions, and ensure your investment is legally sound.

Bridging Loans

Need short-term funding to bridge the gap between purchases? Bridging loans can be arranged quickly but come with strict terms. We’ll check your agreement thoroughly to prevent hidden costs or unfair conditions.

Why Choose Attwells for Property Finance Legal Services?

• Expertise in property law – specialists in buy-to-let, commercial, and bridging transactions.

• Fast and responsive – we understand finance deals are time-sensitive.

• Transparent pricing – clear quotes with no hidden fees.

• Local presence – offices in London, Ipswich, and Colchester, serving clients across England.

• Trusted by professionals – recommended by property investors, landlords, and developers.

How the Process Works

1. Receive a Quote: Request a clear, upfront cost for your property finance legal work.

2. Instruction: Once instructed, we liaise directly with your lender and broker.

3. Legal Checks: We carry out all required due diligence, from title checks to lender conditions.

4. Completion: We ensure funds are released and your transaction completes without delay.

Frequently Asked Questions

Do you act for both lender and borrower?
In most cases, we act for the borrower to protect their best interests. Some lenders require separate legal representation, while others allow us to act for both parties, we’ll clarify this at the start.

Can you help with limited company buy-to-lets?
Yes. Many landlords now use limited companies for tax efficiency. We’ll advise on the additional requirements, such as company resolutions and director guarantees.

What documents will I need to provide?
You’ll usually need ID, proof of address, proof of funds or income, and company documents if purchasing through a business. Your lender may request additional paperwork, which we’ll help you organise.

What are your fees?
We provide a fixed, transparent quote at the outset. Costs depend on the type of finance and complexity of the transaction. You’ll never face hidden charges.

Do you work with all lenders?
We regularly work with high street banks, specialist property finance lenders, and private lenders. We understand each lender’s unique requirements, which helps speed up the process.

Can you help with refinancing an existing property?
Yes. Whether you’re remortgaging to secure a better deal or raising funds for another purchase, we’ll handle the legal aspects of the refinance.

What risks should I be aware of with bridging loans?
Bridging loans are short-term and often more expensive than standard mortgages. Risks include higher interest rates and penalties if you can’t repay on time. We review the agreement to protect you from unfavourable terms.

Do you advise on tax matters?
We don’t provide tax advice, but we can highlight when tax considerations may apply (e.g. stamp duty, corporation tax on limited companies). We’ll also work with your accountant or financial adviser where needed.

Do you only work with clients in London, Ipswich, and Colchester?
No. While we have offices in London, Ipswich, Woodbridge, and Colchester, we act for property professionals and investors nationwide. Much of the process can be completed remotely for your convenience.

How do I get started?
Simply request a quote online, call our office, or email us. We’ll provide a tailored fee estimate and next steps to get your finance transaction moving quickly.