Contact our teamGeneral enquiries
HOW PROPERTYLEND WORKS

From opportunity to funding.
Without the unnecessary friction.

Start with a quick indicative offer. If the deal looks right, our property team validates the key information, progresses valuation and legals, and works with you towards completion.

Get an indicative offerSee the process
5
Simple stages

The online indication gets you started. Human underwriting takes over where property judgement matters.

THE CUSTOMER JOURNEY

A clear route from first numbers to completion.

You should always know what stage the deal is at, what we need from you and what happens next.

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01Tell us about the dealProperty, purchase, works, value and exit.
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02Get your indicative offerSee what we could lend in minutes.
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03We review itWe validate the property and key evidence.
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04Valuation & legalsFormal checks and documentation progress.
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05Funds releasedComplete once conditions are satisfied.
WHAT HAPPENS AT EACH STAGE?

Simple on the surface. Properly reviewed underneath.

The customer journey is straightforward, but we still validate the details that matter to protect both borrower and lender.

01

Tell us about the deal

Complete the online appraisal with the core property and borrower information.

  • Purchase/current value
  • Refurbishment budget
  • Expected end value
  • Exit strategy
02

Indicative offer

We compare the requested facility with the overall security position and show what may be available.

  • No hard credit search
  • Borrower-friendly result
  • Alternative structure if needed
03

PropertyLend review

Our team checks whether the supporting evidence makes sense and whether anything needs clarification.

  • Value evidence
  • Works evidence
  • Experience
  • Local market knowledge
04

Valuation & legals

Once the deal is approved to progress, formal due diligence begins.

  • Valuation
  • Solicitor checks
  • Security documentation
  • Conditions precedent
05

Completion

Once conditions are satisfied and documents are complete, funds can be released for the property purchase.

  • Completion statement
  • Funds released
  • Monthly or rolled interest
WHAT WE NEED FROM YOU

Good evidence makes good decisions faster.

You do not need every document before getting an indication. We ask for proof as the deal progresses.

At indication stage

  • Property postcode and type
  • Purchase price / current value
  • Finance required
  • Refurbishment budget
  • Expected completed value
  • Exit plan
  • Borrower experience

During underwriting

  • Evidence supporting the end value
  • Builder quote or project cost breakdown
  • Proof of funds for the refurbishment
  • Company and borrower information
  • Valuation and legal due diligence
  • Any additional security requested
INDICATIVE VS FORMAL

Know exactly what the first offer means.

Indicative offer

Based on the information you provide online. It shows what PropertyLend may be able to lend and helps establish whether the opportunity is worth progressing. It is not yet a binding offer.

Formal lending decision

Made after PropertyLend has validated the key information, reviewed the supporting evidence and completed the appropriate valuation, legal and underwriting checks.

READY TO START?

Get your indicative offer.

Tell us about the opportunity and see what PropertyLend could fund.

Start my indication →
Fees & valuation: 0.5% arrangement fee, retained from the gross facility. No exit, drawdown or site-inspection fees. A satisfactory valuation is required before completion; where a new external valuation is required, the borrower pays the valuer’s actual cost and PropertyLend adds no valuation markup.