Finance Should be Izzy
In a world dominated by handshakes and golf courses, Izzy Finance bring something different to the financial space.
About us.
We’re not your average mortgage advisor. At Izzy Finance, we specialise in complex and commercial lending—but we do it without the ego, the waffle, or the pinstripe suits.
Whether you’re growing your property portfolio, securing funding for your business premises, or looking at development finance for your next big project, we’ve got the know-how and the contacts to get it sorted. We speak your language, we explain the process clearly, and we’re on your side from day one.
We make complex deals feel simple—and we make sure you always know where you stand.
We love the finance products others find boring.
Commercial Mortgages (Owner-Occupier & Investment)
Commercial mortgages don’t need to be complicated—and they definitely don’t need to be cold. At Izzy Finance, we help business owners and investors get the funding they need for commercial property purchases, whether it’s for your own use or as part of a broader investment strategy.
Need a premises to call your own? We’ll help you finance the space that fits your business. Looking to invest in commercial property for rental income or long-term capital growth? We’ll guide you through the maze of lenders, terms, and criteria, and help you make smart decisions.
We work with everyone from first-time commercial buyers to experienced investors. We understand how lenders assess business performance, rental yields, and lease structures, and we’ll match you with lenders who actually get what you’re trying to do.
You don’t need to be a finance expert—that’s our job. You just need a plan. We’ll help you fund it.
Bridging Loans
Sometimes, timing is everything. Whether you’re buying before you sell, seizing an auction opportunity, or need short-term capital to bridge a gap in your plans, a bridging loan can be a powerful tool.
At Izzy Finance, we’ll help you secure fast, flexible short-term finance, without the usual stress or confusion. We work with a wide panel of bridging lenders who understand urgency and are used to working to tight deadlines.
We’ll explain everything clearly—from exit strategy to interest roll-up—so you’re never left wondering what’s next. And we’ll be honest with you about what’s possible, what’s not, and what you need to have in place to move quickly.
Bridging finance isn’t for everyone, but when it’s the right fit, it can unlock big opportunities. Let’s chat about whether it’s right for you—and if it is, we’ll move quickly.
Development Finance
From a single new-build to a multi-unit site, we help developers find the right funding for the right stage of their project. Development finance can feel like a minefield—but with Izzy Finance in your corner, it doesn’t have to be.
We advise on funding for land acquisition, build costs, and everything in between. We know what lenders want to see—experience, planning permission, exit strategies—and we’ll help you package your deal in the best possible light.
Whether you’re building from the ground up, converting a property, or managing a phased development, we’ll work with you to secure funding that suits your timeline, structure, and ambitions.
No buzzwords, no BS—just proper advice from someone who understands both finance and property.
Complex Buy-to-Let & Portfolio Lending
Being a landlord isn’t what it used to be—and neither is buy-to-let lending. If you’ve got multiple properties, income from different sources, or own through a limited company structure, you’ve probably already seen how tricky it can be to get the right mortgage.
At Izzy Finance, we specialise in complex and portfolio buy-to-let lending. Whether you’ve got 3 properties or 30, we’ll help you structure your lending in a way that works now and supports future growth.
We work with specialist lenders who take a more flexible view of income, property types, and company structures. We’ll help you navigate stress tests, background portfolio rules, and portfolio reviews without the headaches.
And because we get to know your goals, we can help you build a long-term strategy—not just sort a single mortgage.
Buy To Let Mortgages
Thinking about your first buy-to-let? Expanding your rental portfolio? We’re here for all of it.
Buy-to-let might sound simple, but lenders have their quirks—and finding the right deal isn’t just about chasing the lowest rate. It’s about understanding rental stress tests, tax implications, ownership structures, and lender appetite.
At Izzy Finance, we take the time to understand your plans. Whether you’re buying personally, through a limited company, or refinancing to release equity, we’ll match you with a lender who fits your needs—not just your numbers.
We’ll also walk you through what it all means, so you’re never left scratching your head at strange criteria or odd conditions.
You bring the plan—we’ll bring the mortgage.
Second Charge Mortgages
Need to raise capital without touching your main mortgage? A second charge loan could be the answer.
Whether you’re funding a project, reinvesting in your business, or managing a tax bill, a second charge mortgage lets you access the equity in your property without disturbing your current deal.
We’ll help you work out whether it’s the right fit—and if it is, we’ll find you a lender who can move fast and make the process simple.
Second charges can be useful tools in the right situation. We’ll make sure you fully understand the pros, cons, and costs, so you can make a smart decision with confidence.
Get started
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Frequently Asked Questions.
What does a mortgage broker do?
We find you the right mortgage for your situation, comparing lenders and handling all the admin—so you don’t have to.
Do you charge fees?
Do you offer ‘normal’ mortgages?
At Izzy, we specialise in the complex and commercial. However, our sister company Hudson Rose is the place to be for all things residential.
Are you whole-of-market?
Yes—we have access to a wide panel of specialist and mainstream lenders, including options not available on the high street.
What makes Izzy Finance different?
We’re friendly, straight-talking, and specialise in complex and commercial mortgages. No suits. No nonsense.
Do you offer advice or just arrange loans?
We do both. We hold the qualifications to offer both regulated and unregulated mortgage advice, tailored to your situation. We also arrange the loan with the chosen lender.
How long does the mortgage process take?
It depends on the type of mortgage and the lender, but we’ll keep you updated at every step. Bridging cases can be arranged quickly whereas complex commercial deals and development finance take more time.
Do I need a deposit?
Usually, yes. The amount depends on the type of mortgage. We’ll guide you through what’s required.
What is a commercial mortgage?
It’s a loan secured against a property used for business purposes, like an office, shop, or warehouse.
Can I get a mortgage to buy premises for my business?
Yes, many commercial mortgages are arranged in company names. We’ll help structure it properly.
How long is the mortgage term?
Terms typically range from 5 to 25 years. We’ll help you choose what’s best.
What is a bridging loan?
It’s a short-term loan to ‘bridge’ a gap—often used when buying before selling or for quick purchases like auction properties.
What is development finance?
It’s funding for property construction or major refurbishments—everything from single homes to multi-unit builds.
What’s an exit strategy in development finance?
Usually a sale or long-term refinance once the project’s complete.
Can I get a buy-to-let mortgage as a first-time landlord?
Yes—we work with lenders who welcome new landlords.
Do I need a job to get a buy-to-let mortgage?
Not necessarily. Rental income and other income can often support the application.
Can I get a buy-to-let mortgage for an HMO?
Yes—we arrange mortgages for HMOs, student lets, and multi-unit blocks regularly.
What’s the minimum deposit for a buy-to-let mortgage?
Usually 20–25%, but it varies by lender and property type.
