Flexible Term Loans for Real Estate Investments
Flexible Term Loan for Irish Real Estate Investment Properties
Suitable for Irish income producing residential and commercial investment properties, our Term Loan offering complements Onate’s established bridging and transition finance offering. The Term Loan product provides new and existing borrowers with longer term financing options at competitive pricing, no additional early exit fees, and a streamlined execution process.
All decision-making is retained fully in-house, enabling Onate to deliver certainty and speed, while maintaining flexibility on deal structures.
Borrowers have the ability to convert seamlessly from a bridge loan to a term loan on our Bridge to Term offering, with minimal legal fees or time compared to a full refinance.
The product is aimed at Irish borrowers seeking longer-term funding solutions for smaller-scale assets, where access to bank finance is often constrained. By removing unnecessary complexity and costs, Onate is providing a compelling alternative for professional property investors and developers across its core markets.
Loan amount
€250k – €5m
Amortisation
Up to 30 year repayment profile
Loan-to-Value
75%
Initial Term Up To
36 months
Flexible Repayment
No early exit fees
Dedicated Account Manager for
Personalised Support
Apply For a Loan Now
Ready to unlock your real estate potential? Apply now for our flexible term loans and get quick access to the capital you need for your next investment.
Speak to a Lending Director
Have questions or need personalised advice? Speak directly with one of our experienced lending directors today to find the best financing solution for your real estate investment.
Real Estate Financing Solutions
The real estate market moves fast, with opportunities appearing and disappearing in the blink of an eye. You need financing that matches your pace, adapts to your needs, and is backed by expertise that understands your goals.
At Onate, we understand the unique challenges of real estate investment and provide solutions that empower you to succeed. Our term loans support your ambitions, offering speed, flexibility, and expert guidance every step of the way.
01.
Quick Access to Capital
Real estate investment opportunities often require swift action, but traditional financing methods can be frustratingly slow, leading to missed deals and lost profits. Our term loans provide a rapid funding solution, ensuring you can secure the capital you need quickly. With our expedited process, you’ll stay competitive and ready to seize opportunities as they arise.
02.
Bespoke Financing Solutions
Every real estate investment opportunity is unique, and so are its financing needs. Traditional loans come with rigid terms that might not fit your investment strategy. Our term loans are tailored to the specific needs of your opportunity.
03.
Expert Guidance
Traditional lenders often don’t understand the real estate investment business. Our team brings extensive real estate expertise to the table, offering valuable insights and a dedicated Account Manager for support. With our term loans, you’re not just getting a lender but a partner who helps you make informed decisions, minimising risks and maximising returns.
04.
Closing Financial Gaps
The time between needing funds and securing financing for an investment property can endanger your projects. Our loans effectively bridge this gap, providing the interim financing you need to keep your projects on track. This ensures a continuous flow of capital, so you can proceed with acquisitions and developments without delay.
05.
Immediate Liquidity
Real estate investors often encounter opportunities that require quick access to cash. Without immediate liquidity, these lucrative deals can slip through your fingers. Our term loans offer immediate liquidity, giving you fast access to the funds you need. This ensures you never miss out on a profitable investment again.
06.
Certainty in Funding
Traditional lenders are not specialised in the needs of short term property finance, with cumbersome processes that create uncertainty waste valuable time. At Onate, we offer fast and efficient loan processing with a clear commitment: we’ll give you a fast yes or no and follow through at pace. This includes driving your transaction forwards with external stakeholders and problem solving with you as a partner along the way. No surprises, just reliable support throughout.
Our Term Loans
Our term loans are designed to adapt to the unique needs of each investor and opportunity. We offer flexible financing terms to match the specific requirements of your real estate investments. Below, you will find detailed information about our loan amounts, terms, and eligibility criteria, ensuring you have the necessary details to determine if our solutions are the right fit for your investment goals.
€250k to €5m
Loan amounts.
75% Loan-to-Value
Equity releases against income producing properties to assist with the purchase of new properties or for other projects.
Up to 36 months
Can be repaid early without penalty.
Loan to Corporate Vehicles
The borrower must be a corporate vehicle, such as a limited company. We will consider loans with properties sitting outside the SPV and can lend to newly incorporated companies.
Loan Application and Project Analysis
Our application process is fast and uncomplicated, providing an offer within 48 hours. Our decision-making is entirely in-house, ensuring speed and certainty.
Investment Property to Finance
We provide financing for residential, mixed-use, and commercial properties across Ireland.
Apply for a Term Loan
Ready to unlock your real estate potential? Apply now for our flexible term loans and get quick access to the capital you need for your next investment.
Why Choose Onate for Term Loans?
Choosing the right lender for your term loan is crucial. Our team is dedicated to help you achieve your Real Estate Investment goals.
In-house Decision Making
Our decision-making is entirely in-house, meaning we move quickly and provide certainty. We’ve completed deals in just five days and regularly close transactions in under two weeks.
Strong Capitalisation
Our capital is available when you need it. We have funds ready to go on our balance sheet, and three additional institutional funding lines, including from Citi and Triple Point, plus a €100m bond programme listed on the MTF operated by the Vienna Stock Exchange.
Tailored Solutions and Support
We understand the unique challenges and opportunities in real estate investment. Our bespoke financial packages are designed to meet your specific needs, supported by our deep industry knowledge and extensive contacts. Onate provides valuable guidance throughout your project, helping you navigate obstacles and maximise your investment’s potential.
Industry Expertise and Leadership
Onate is proud to be the most active non-bank lenders in Ireland and now active in Spain, lending over €250m across over 350 loans in the last five years. Our extensive experience, network and substantial market presence ensure that we offer unmatched service and competitive terms, helping you achieve your investment goals efficiently.
Term loan examples
Our term loans can be tailored to meet a variety of needs. Below are some example cases where term loans have provided effective solutions for real estate investors, addressing both challenges and opportunities.
Property Purchase
Funding for the acquisition of a portfolio of income producing commercial and residential investment properties.
Equity release
Releasing equity from existing investment properties to assist with a new purchase, or for non-property purposes.
Refinance
Refinancing of an upcoming expiry of a previous term loan with another lender.
Bridge to Term
Upon completion of the purchase and asset management strategy, for which we had advanced a bridge loan, we then “flipped” the facility to a longer term loan at a lower interest rate.
Trading Assets
Refinancing of a trading pub and hotel, providing the flexibility to sell the asset or continue to trade it, thanks to no early exit fees on our loans.
Complex credit history bridge
Another lender’s slow processes in relation to the borrower's credit history put the deal at risk. Deal funded within a tight timeframe.