Kinetic Money is a specialist property finance brokerage and advisory firm. We help property investors, developers, and landlords secure the right funding for their projects while providing strategic advice to help them grow and manage successful property portfolios.

We support a wide range of property investment and development strategies, including property flips, refurbishments and conversions, buy-to-let investments, portfolio expansion, semi-commercial properties, commercial property projects, ground-up developments and new builds, and land acquisition and development.

No. We work with clients at every stage of their property journey, from first-time investors to experienced developers managing large portfolios. Our advice and recommendations are tailored to your level of experience, objectives, and circumstances.

Most brokers focus solely on arranging finance. We take a more strategic approach. Before recommending funding, we seek to understand your business, experience, existing portfolio, and long-term goals. We often identify opportunities to improve portfolio performance, reduce costs, or structure projects more effectively before a finance application is even submitted.

Depending on your circumstances and project requirements, we can assist with bridging finance, development finance, buy-to-let mortgages, portfolio finance, commercial mortgages, semi-commercial mortgages, refurbishment finance, land finance, and specialist property lending solutions.

Yes. Many clients speak to us before committing to a purchase. We can help evaluate the viability of a project, identify potential risks, review likely funding options, and highlight issues relating to planning, title restrictions, environmental concerns, covenants, lease lengths, or exit strategies.

Early involvement often saves clients time and money. By reviewing a deal before commitment, we can identify potential problems, estimate funding costs, assess profitability, and ensure there is a realistic funding route available before significant costs are incurred.

Yes. We work with a wide range of specialist lenders, challenger banks, private funders, and mainstream institutions. Our extensive lender network allows us to source funding solutions that may not be readily available through traditional channels.

Every project is different, but speed is one of our key priorities. Our experience allows us to identify suitable lenders quickly, prepare applications correctly from the outset, and proactively address issues before they cause delays. This can significantly reduce turnaround times compared to a trial-and-error approach.

Yes. During the initial assessment stage, we provide clear information on likely finance costs, fees, and funding terms so you can make informed decisions and understand the potential profitability of a project.

We typically discuss your property experience, details of the proposed project, purchase price and costs, development or refurbishment plans, exit strategy, existing portfolio if applicable, and future investment goals. The more information we have, the better we can advise and structure the funding solution.

Yes. A decline from one lender does not necessarily mean a project is unfundable. Our understanding of lender criteria allows us to identify alternative funding options and present applications in a way that addresses lender concerns where possible.

Absolutely. We carefully review supporting documents and application information before submission. This helps ensure applications are complete, accurate, and positioned appropriately for the chosen lender, reducing the risk of delays or unnecessary declines.

Yes. We believe long-term relationships deliver the best outcomes. Many clients continue working with us after completion for portfolio reviews, refinancing opportunities, funding for future projects, and strategic advice as their property businesses grow.

Yes. We regularly help clients identify opportunities to reduce borrowing costs, release equity, raise capital for future investments, restructure portfolios, improve cash flow, and plan future acquisitions.

Yes. We can help clients stay on top of important milestones such as finance renewals, EPC expiry dates, and lease term thresholds that may impact property value or financing options.

Yes. Over many years we have built a trusted network of professionals, including solicitors, accountants, valuers, insurance specialists, and other property experts who understand the needs of investors and developers.

We do not provide tax advice directly. However, if we identify opportunities where specialist tax planning may benefit you, we can introduce you to experienced property-focused accountants and advisers.

Fees vary depending on the type and complexity of the project. We will always discuss any applicable fees and costs upfront so there are no surprises later in the process.

The first step is a conversation. We’ll take time to understand your experience, goals, current portfolio, and project plans before discussing funding options and potential next steps.