Build real estate financing
- Home
- Finance real estate
Types of real estate financing from Build Finance
How does Build make real estate financing possible?
Build supports investors and entrepreneurs in financing investment properties , commercial, and business real estate - such as offices, retail spaces, or rental housing. With our quick assessment, transparent conditions, and network of professional financiers, we provide tailored financing solutions - whether for a buy-to-let project or a business property for lease. This way, we make real estate investment simple and accessible.
Financing investment properties
With financing, real estate is purchased for rental purposes, aiming to generate returns through rental income and property value appreciation.
Build offers fast and flexible financing tailored to your investment strategy.
Financing commercial real estate
This involves purchasing properties such as retail spaces, offices, or hospitality venues for rental purposes.
Build provides investors with tailored financing solutions for commercial properties, offering clear terms and guidance from application to completion.
Financing business real estate
This involves funding commercial properties such as warehouses, healthcare facilities, or office spaces.
Build structures tailored business real estate financing solutions, with a strong focus on cash flow, risk, and long-term value.
Buy-to-let financing
In the buy-to-let market, residential properties and apartments are purchased to generate rental income.
Build offers targeted financing for buy-to-to-do-projects, at a sharpness interest with a fast and simple process.
These are the opportunities with Build
Resident
Build provides financing for residential real estate owned by professional property investors. This includes both self-contained housing units and non-self-contained accommodations, such as care homes and student residences.
New construction & transformation
We also finance new construction and redevelopment projects, starting from the moment all necessary permits are in place. For these projects, we work with a construction deposit account.
Sell-off
Active property investors who finance at least five existing, self-contained residential units are eligible for a loan with extended repayment flexibility: up to 25% can be repaid annually without penalty. This financing is subject to a different interest rate.
Commercial real estate
Build also finances rented commercial real estate as part of a residential financing package, up to a maximum of 30% of the total loan. The commercial component is structured as a separate loan segment and carries a distinct interest rate.
Frequently asked questions about real estate financing
With our real estate financing, you can choose a fixed interest rate period of 1, 2, 3, 5, 7, or 10 years. The standard loan term is 15 years.
Terms such as real estate financing, buy-to-let mortgage, commercial mortgage, and investment mortgage are often used interchangeably.
Real estate financing
This is a broad term that refers to the financing of real estate, applicable to both private individuals and businesses. It may include:
- Owner-occupied residential properties
- Investment properties (for rental purposes)
- Commercial real estate (offices, retail spaces)
- Project development
Real estate financing may therefore cover buy-to-let, commercial, and investment mortgage types.
Buy-to-Let mortgage
This mortgage is specifically intended for individuals or investors purchasing a property to rent out.
- Not for owner-occupation
- Typically offers financing up to 70–80% of market value
- Rental income is considered in assessing financing options
- Generally higher interest rates compared to residential mortgages
Commercial mortgage
Designed for entrepreneurs seeking to acquire business premises.
- Suitable for offices, retail units, hospitality spaces, warehouses, etc.
- The loan is concluded in the name of a company (BV, VOF, etc.)
- Usually lower loan-to-value ratios (50–80%) and higher interest rates than residential mortgages
- Income and business performance are important in the assessment
Investment mortgage
An investment mortgage is intended for financing real estate as an investment (eg residential units, apartments, or commercial properties).
- Suitable for both private and institutional property investors
- Rental income plays a key role in determining financing capacity
- A personal contribution of 20–40% is often required
- May also apply to higher-risk real estate projects
From € 0.5 to € 15 million
What does Build finances?
- Acquisition
- Refinancing
- New construction
- Transformations
- Sell-off