Our Property Finance

Bespoke Property finance solutions For clients in the UK

Our Property Finance

DMK Finance provide a wide range of property finance solutions tailored to each client. Our experience combined with our wide network of connections ensures that no other property finance company can match our level of service.

Property Finance Specialists

Asset & Invoice Finance Solutions

Lengthy Banking Experience

Strong Connections With Legal & Valuation Professionals

Commercial Property Finance

When it comes to commercial property finance, whether for purchase or development, you need to ensure you are getting the right type of mortgage or loan.

Commercial lenders will consider several factors, starting with the type of property and whether you are using it for your own business or renting it out. Finding the right lender and terms for your needs is not always easy – it can take a lot of time and result in plenty of failed applications and disappointments for clients.

DMK Finance offers clients their expertise to help you navigate the market and secure the right commercial property mortgage or bespoke loan structure that suits. So, whether you are buying your first commercial property, have been through the process numerous times before, or simply to help manage the complete process from inception to completion, let us help.

As an independent, whole of market, commercial finance broker, we make sure you get the right mortgage or loan on the best terms.

DMK Finance can support all types of property:


  • Shops or supermarkets
  • Bars or restaurants
  • Hotels or entertainment venues
  • Warehouses or factories
  • Industrial units
  • Offices & Business Centres
  • Private education
  • Care Homes
  • Home Care Operators
  • Care Home & Healthcare facilities
  • Doctors & Dental Practices
  • Holiday Lets
  • Caravan & Holiday Parks
  • Semi Commercial assets

Residential Investment Mortgages

Whether your first time or experienced investor residential investments require expert knowledge to find the most appropriate solutions.

There are a wide range of products available whether clients are looking to buy to refurb and refinance, buy to let, or sell once works are completed, refinance existing assets for equity raise you are not limited to high-street lenders.

DMK Finance can help you access bespoke lenders, ensuring you get the right mortgage or investment loan on the right terms. Whether you are new or experienced in property investment, have been rejected by traditional lenders, or require something a little unusual, please get in contact for an informal chat.

Here is some of the reasons clients contact DMK Finance; –

  • Want to expand their portfolios
  • Are looking to buy property at auction
  • Need to renovate an existing property
  • Want to use existing equity
  • Are looking for a better rate
  • Want to exit from their existing lenders
  • Want to invest in buy-to-flip, buy-to-let or HMO properties

As a whole of market property finance broker, we help you access specialist lenders and bespoke finance products.

Property Development Finance

Development finance is available on all commercial property types, including new build and refurbishments of offices, warehouses, factories, and shops. It is also available for residential new builds, conversions, and renovations.

But finding the right solution is not always easy. Funders will want evidence of architect drawings, planning permission and a clear exit strategy. Some will even want evidence of previous projects in property development.

What is Development Finance?

Development finance is exactly as it sounds – finance to cover the costs of development, in particular the development of property, for example:

  • Build or refurbishment of residential property
  • Construction of industrial units
  • Conversion of offices into residential flats (or vice versa)
  • Development of land with planning permission
  • Restaurant, hotel, or guest house renovation
  • Auction purchase and refurbishment
  • Holiday let renovation
  • Partially completed residential development

DMK Finance take the time to understand your project and can support whether you are an experienced operator or first time developer. This can be a lengthy and stressful process & it is critical to find the right funder and professionals to assist with the project from inception to completion.

    Bridging Finance

    Bridging finance is simply a loan that bridges a gap. It is usually time-sensitive and short-term, often written bespoke and made available quickly.

    An ideal solution when buying a property at auction or when a property is considered uninhabitable, and therefore, unmortgageable. Bridging loans can be used to purchase and renovate the property to make it mortgageable.

    DMK Finance collaborates closely with clients to establish viability and works with 1st & 2nd Charge lenders for both Regulated and unregulated loans for commercial all sectors and residential.
    Is bridging finance right for you?

    Bridging finance is normally used for property but can be used in non-property scenarios too. A bridging loan can be used for:


    • Buying property at auction
    • Refurbishing a property that is currently unmortgageable
    • Undertaking works in readiness for new leases/tenants
    • Probate delays
    • Credit repair
    • Covering a cash-flow shortage
    • Covering VAT or tax liability
    • Raising capital/stock purchasing
    • When you need cash in your business, whether long term or short term, secured or unsecured, DMK Finance can help you find the right lenders for your needs.

    Invoice Finance

    Clients benefit from the banking expertise gained from working in the UK’s high street banks and supporting customers with their specialist Invoice Finance solutions across multiple sectors.

    DMK Finance work with multiple High St and Specialist Funders to find the best match for clients and their business. We understand the importance of this funding solution whether it be a disclosed or undisclosed solution the importance of keeping your business in the red.

    DMK Finance

    • Pride ourselves on the level of attention we give each of our clients. We will listen to your needs and ensure you receive the best possible solution 
    • There are multiple invoice financing funders however it is critical to find those who fully understand your business model and will be with you during the good and tough times that businesses often face. 
    • We understand that having finance when you need it is important and our excellent relationships with the right funders allow us t0 source solutions, fast.

    What is Invoice Financing?

    There are two types of invoice finance available to businesses and both raise the funds against the invoices of your clients.

    Invoice Factoring – the responsibility of collecting the debt from the clients lies with the lender. This can be done with or without bad debt protection.

    Invoice Discounting – you maintain full control of collecting the money so your clients are unaware that you have such a facility (see: Confidential Invoice Discounting). Again, this can be carried out with or without bad debt protection.

    There are a number of reasons that companies may look at using invoice finance to improve their current situation. It may be that you are struggling to cover your running costs or that lengthy invoicing terms are restricting the amount of new work you can take on. If so, then it may be worth considering invoice financing companies. This allows you to gain access to essential funds as soon as your invoices are sent out, giving you the capital, you need to grow your business.

    Asset Finance

    Asset Finance is the term used to describe the financing of the asset by the use of a financial instrument such as Hire Purchase or Leasing.

    Terms of the finance range between 2-5 years, although for some assets terms of up to 10 years may be considered.

    When a Funder looks at your application, they will consider both the financial status of your business combined with the age / suitability of the asset being purchased. The benefits of using DMK Finance is we have access to a wide panel of high street and specialist lenders which means that the majority of the time we are able to find a funder who is able to help in your circumstances.

    Types of assets that can be funded however this is not exhaustive as we have access to many funders who can support more bespoke transactions; –


    • Cars, Vans, Pickups 
    • Directors/owners vehicles
    • HGV Cabs and Trailers
    • Portakabin / Site Offices / Portable Toilets
    • IT systems for both offices and Warehouses
    • Funeral Vehicles
    • Plant and Machinery / JCB / Tippers / Diggers / Cranes
    • Minibus / Coach – including vehicle hire
    • Restaurant / Shop refurbishment
    • Dental & Healthcare equipment and refurbs
    • Boats 
    • Vending Machines

    DMK Finance will provide you with a very speedy service from our funders and help simplify the process and assist from start to finish. 

    What our Clients Say

    We work dilligently to ensure each and every one of our clients has a positive experience, and we're extremely proud of our reputation.

    Camran Ishaq

    Donna holds vast knowledge and expertise in the finance industry. Incredibly helpful and useful. Donna has provided me and clients with a 5 star service.

    Camran Ishaq
    Managing Director - Whitegates Estate Agents Dewsbury
    Gavin Hollywood

    We engaged the services of Donna Kerr and DMK finance at the start of 2022 and delighted with they service and her high level of professionalism and work ethic. Donna Kerr brings her vast experience of years in senior banking along with a sharp commercial intellect and I am happy to endorse and recommend Donna Kerr and her business.

    Gavin Hollywood
    Wood Property Group Ltd

    Having known Donna for over 20 years, I recently used DMK for the funding of new commercial properties. The transaction went very smoothly. She has been great, always picks up the phone to you and if she is busy always responds the same day. You can’t ask for a better service. I wouldn’t hesitate to recommend her for any type of finance needs.

    5 Star service led

    Managing Director, Pan5r Properties Ltd
    Greg McKenzie

    With her vast knowledge and experience in banking and finance Donna knows exactly how to package a deal to get it over the line with lenders. She offers a very personal service, where she is only a phone call away, which is fantastic because to the layman, the world of raising finance can be like trying to navigate across a minefield.

    I would have NO hesitation in highly recommending her companies services.

    Greg McKenzie
    Managing Director Myreton Property Investments Ltd
    Dr Charan Gill MBE

    I have known Donna for many years and have used her services to provide finance for a number of different projects.

    She has always worked tirelessly to provide the best options available and I trust that she would do the same job for all clients.

    I have no hesitation in recommending Donna.

    Dr Charan Gill MBE
    David Wright

    To get to the point when you need specialist finance things can become complicated. For me I had a mixed bag of assets all in different Limited Companies and some in my personal name. I also had no borrowing which can be problematic.

    I had spoken to several brokers over a two-year period and even tried a few with no success. There was always a hurdle we could not get over.

    If you want someone who won’t give up, someone who goes the extra mile and does it all with a certain swagger then Donna is the broker for you.

    In a world of imposters Donna is the real deal.

    I cannot recommend her highly enough.

    David Wright
    Managing Director Cairn Build (Scotland) Ltd
    Robert Peers

    I would like to take this opportunity to express my gratitude and appreciation with the first-class job DMK Finance did refinancing my property portfolio . From start to finish Donna and her team where supportive in every aspect , from dealing with surveyors , solicitors and the new funder . I’ve dealt with various quality brokers over the years but quite simply this was the best service I’ve received. A tremendous service all round. Highly recommended. Much appreciated once again.

    Robert Peers

    Request A Callback

    If you would like to work with us or if you require further information, it couldn't be easier to get in touch.

    You can fill in our contact form to request a callback and we will get back to you quickly with a reply.

    Alternatively, email donna@dmkfinance.co.uk
    or give us a call at 07915 484732.