Specialist Property Finance for Your Sourced Deals
Finding the right finance route for a deal can be complex. At NAPSA, we've partnered with Finanze Property to provide clear, structured and practical funding support tailored specifically for sourcing agents, deal packagers and investors.
Structured Funding Support for Property Sourcers
Who we are
Finanze Property is a specialist property finance brokerage, part of Finanze Group, helping landlords, investors, developers and intermediaries navigate complex property and finance decisions. We work across buy-to-let, bridging, refurbishment, commercial mortgages, development finance, business finance and protection.
Rather than starting with products, we start with the objective: the asset, the funding requirement, the timeline and the exit. We're FCA regulated and NACFB accredited, with access to a broad lender network and an approach built around clear, tailored routes from opportunity to outcome.
NACFB accredited · NACFB Assured · FCA regulated (ref 990498)
Finanze Property and NAPSA
Why we've partnered
Finance is where sourced deals most often fail, and most sourcers aren't brokers, nor should they have to be. What you need is someone to call when a deal doesn't fit the standard route.
That's what this partnership is for. Finanze Property have real depth in the routes sourced deals actually need, including bridging, refurbishment, title split, lease extension, commercial and development. Send a deal and you get an early, honest view on whether it's financeable, before time is lost on the wrong route. You don't need to be a member.
Finance Routes Available
Not every deal should be funded the same way. The right route depends on the asset, its condition, the client profile, the timeline and the end goal.
Buy-to-Let: Rental investment properties
Portfolio Finance: Landlords with multiple properties
Bridging: Time-sensitive purchases, auction, or where speed matters
Bridge-to-Let: Short-term funding before moving onto a term buy-to-let mortgage
Refurbishment Finance: Works required before refinance or resale
Title Split Finance: Freehold blocks split into individual leasehold titles
Lease Extension Finance: Creating value by extending short leases
Commercial and Semi-Commercial: Mixed-use and commercial assets
Development Finance: Heavier works, conversions and ground-up projects
Business and Asset Finance: Where wider business requirements apply
Property types covered: Residential, HMO, MUFB and blocks, commercial, semi-commercial, land and development sites.
Getting the Right Finance Route
A deal that stacks isn't the same as a deal that funds.
Price versus true value. A below-market-value purchase is only useful if a valuer agrees. Lenders lend against valuation, not against the discount you negotiated.
Condition decides the route. No kitchen, structural issues, a short lease. Any of these can make a property unmortgageable, which means bridging or refurbishment finance, a different timeline and a different cost base for your client.
The exit is the deal. Every short-term facility needs a way out: refinance, sale, or a term product waiting at the end. No credible exit isn't a deal, it's a liability.
Timeline is a constraint, not a detail. If the route needs eight weeks and the vendor needs four, you don't have a deal.
For investors, the same logic runs the other way. Bridging costs more than a term mortgage, but it buys speed and access to stock other buyers can't touch. Structure matters as much as product, and preparation is leverage. Lenders respond to clarity.
Conversation with Finanze Property
We sat down with the Finanze Property team to talk through what makes a deal fundable, where sourcers most often get caught out, and how to qualify an opportunity before you commit time to it.
What to Have Ready
Before you send
Detail about the deal helps us give you a useful first view. You don't need financial documents or ID at this stage; the more you can tell us about the opportunity, the faster we can come back with a route.
The property. Location and property type, the tenure, and the current condition.
The numbers. Purchase price and estimated market value, any refurbishment budget, expected end value or GDV where relevant
The plan. What you're aiming to do (hold, refurbish and refinance, flip, or develop), your intended exit, and any deadline
The context. Whether you're enquiring for yourself or a client, and any known risks such as a short lease, planning constraints or a title issue.
Don't worry if you don't have all of this. A location, a price and a sentence about what you're trying to do is enough to start. If a deal later progresses to a formal application, we'll tell you exactly what a lender needs at that stage.
What Happens Next
Working with Finanze Property01.
You send it over
Complete the form below with whatever you have. A postcode and a purchase price is enough to start a conversation.
02.
We review it
We'll look at the asset, the price, the condition, the timeline and the exit, and come back with an initial view on whether it's financeable and which routes are worth exploring.
03.
You get a call
A direct conversation about the deal: the likely route, indicative terms where possible, and what would need to be true to make it work. If it doesn't stack from a lending perspective, we'll tell you, and why.
04.
The deal moves forward
If it's a go, we work with you and your client through the application, structuring the case, approaching lenders and managing it through to completion. You stay in the loop throughout.
Need Help Funding a Deal?
Whether you're packaging a deal, sourcing an opportunity for a client, or just exploring what's available, send us what you have and we'll review the opportunity, discuss potential funding routes and help you move it forward.
Don't worry if you don't have everything yet.
Common Questions
Does it cost anything to make an enquiry?
No. The initial review and conversation are free. If you proceed to an application, Finanze charge a fee for loan research and processing — a minimum of 1% of gross loan value for standard transactions and 1.5% for specialist transactions. The exact amount is always confirmed before you choose to proceed. Finanze are a credit broker, not a lender, and are typically also paid commission by the lender after completion.
Can I enquire on behalf of a client?
Yes. Finanze work with sourcers and introducers regularly and are happy to deal with you, your client, or both. Just tell them how you'd like it handled.
What if I don't have all the deal information yet?
Send what you have. A location, a price and a sentence about the opportunity is enough for a useful first view.
How quickly will I hear back?
You will hear back from the Finanze team within one working day from submitting the form.
What if the deal isn't financeable?
They'll tell you, and explain why. Often there's a different route that does work — a different structure, lender or timeline. Sometimes there isn't, and knowing that early is worth having.
Do I need to be a NAPSA member?
No. Anyone can complete the form. Accredited NAPSA Members, however get priority review.
Is NAPSA giving me financial advice?
No. NAPSA doesn't provide financial advice or recommend lenders. Finanze Property is an independent, FCA regulated brokerage and any advice comes from them directly.
What happens to mine and my client's data?
Please refer to NAPSA's Privacy policy. Once you complete the form, your details will be shared with the Finanze team so that they can review with you.
It Looks Great on Paper.
Will a Lender Actually Fund It?
A deal can look strong and still be undeliverable. The questions that decide whether an opportunity is financeable, before you waste three months finding out it isn't.
Every Deal Has a Route.
Most Sourcers Only Know Two
Bridging, bridge-to-let, refurb, title split, lease extension, development. The right route depends on the asset, the timeline and the exit, not the transaction.
Referral Fees and Transparency
When a deal introduced through NAPSA directly or the NAPSA platform completes with Finanze Property, NAPSA receives the following fees:
50% of any lender commission, and;
50% of any broker fee.
These fees will be paid to NAPSA following the completion of the mortgage or other transaction, within 3 working days of all payments being received by Finanze and matched by Finanze from the lender, client or provider.
The fee that NAPSA receives in no way affects the finance applied for, nor the fees charged to any client of Finanze. NAPSA only receives a share of the standard fee that is charged as a matter of course by Finanze.
As a not-for-profit association, every pound of income we generate outside of membership is tracked and reinvested for the benefit of our members. We publish these referral fees and show where the funding has been directed back into the organisation.
Nothing is hidden, and no individual member profits from an introduction. The benefit returns to the membership as a whole.
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Finanze Property is a trading style of Finanze Ltd, which is authorised and regulated by the Financial Conduct Authority and is entered on the Financial Services Register under reference 990498.
Your property may be repossessed if you do not keep up repayments on your mortgage.
Not all services we offer are covered by the FCA. The FCA does not regulate some forms of Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies.
There will be a fee for loan research and processing; the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be a minimum of 1% of gross loan value for standard transactions and 1.5% for specialist transactions.
We are a credit broker and not a lender, with access to an unrestricted number of lenders. Whichever lender we introduce you to, we will typically be paid commission from them after completion. The amount of commission does not affect the amount you pay under your credit agreement. Further details are disclosed throughout your customer journey.
NAPSA does not provide financial advice and is not responsible for the services provided by Finanze Property.
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