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Property Finance

If you’re looking to purchase, refinance or renovate commercial or residential investment premises we can tailor make a package to suite your individual needs. Our panel of funders along with access to a strong range of exclusive products and terms will give you flexibility to deliver. Let us discuss all options available and make an informed decision on the best solution available.  






We can support a range of funding requirements. From pre-planning and bridging support, to residential and commercial development funding, right through to marketing period loans. Our product range can support your project from start to finish.

We understand that each development is unique and it can become difficult to find the funding package to support all necessary requirements. Our panel of funders include specialist who can support both the commercial and residential property market. You will have access to a wide range of finance support options allowing you to tailor a bespoke solution to suit your plans. Funding options for new build projects, redevelopments, major renovation works or general refurbishments. Support provided for residential, commercial and mixed-use developments.


Types of Development finance we offer,


We offer a range of finance options which we can tailor to meet the needs of your development.


Reliable Development Finance for: 


  • Experienced property developers

  • New build, conversions and refurbishment

  • Residential, commercial and mixed-use developments

  • High value residential projects

  • Student housing, senior living and co-living

  • Care homes

  • Phased development scheme

  • Pre planning finance

  • New build scheme finance

  • Build to let finance

  • Mezz funding


Development Finance highlights

  • Minimum loan size £1m

  • Maximum loan size £100m

  • Maximum gearing 65% -70% Loan to Gross Development Value (LTGDV) for new build and 70% LTGDV for refurbishment

  • Maximum 85% loan to cost

  • Cash/equity contribution to be injected ahead of any Bank funding

  • 100% build cost funded


With access to over 100 development funders, we give you access to the whole property funding market..







Should you need short term finance support, By introducing bridging finance we can provide access to funding quickly when you need support with a new purchase or refinance. Our panel of funders will support Investment, Commercial, Land Acquisition and Development finance requirements. We can also provide funding support to clients who purchase through auctions. Furthermore, we take into consideration OPEN MARKET VALUATIONS. 


  • Bridging is a short-term loan which can be arranged within a short time-frame secured against residential or commercial property. 1st & 2nd charge options available.

  • Why use bridging/short term finance

    • Alternative to development finance or complete development (options on completed developments)

    • Refurbishment of a property light and heavy options

    • Auction finance

    • Purchasing a property that you cannot obtain a mainstream mortgage (condition)

    • Timing issue between sale and purchase

  • Raise finance quickly or for a deposit

  • Bridging funders consider

    • Credit profile of borrower (some subprime look at force sale valuation)

    • Strength of asset (land options available)

    • Various funding periods available & LTV (generally 12 – 18 months)

    • Exit strategy (Risk of not achieving exit – penalty interest/repossession)

    • Upfront cash contribution (100% funding available with additional security)

    • Guaranteed finance available on Bridging and Auction finance





A short-term loan on an interest only basis, with no repayments to make.

Repaid in full on exit in 12-24 months. can be completed within 14 days, to meet auction requirements...


Borrow £10k to £50m

Get written terms in 1 hour

Up to 90% LTV

Market leading rates%

Meet auction conditions

The best deal, whole market access

Bad credit- not a problem

Guaranteed finance schemes available

Fast Completion

100% Renovation works also funded

Rates from 0.29 BBR+


Auction finance can be used to purchase the following types of properties:


  • Residential property

  • Retail units

  • Property in a poor state

  • HMOs

  • Semi-commercial property

  • Land with planning

  • Land without planning

  • Farms

  • Leisure complexes

  • Hotels

  • Guest houses

  • Pubs

  • Care homes

  • Offices


With access to over 200 Alternative lenders, we have immediate access to discretionary capital.







CCJ’s, Bad Credit... No Problem


Our Valuation Only product makes things quick and easy. We lend against the value of the property, not the Borrower's credit profile.


 • Any Business Purpose.

 • No Lender Legal Fees until completion. No completion, no fee.

• Open Market Value. We lend based on your property’s Open Market Value, not restrictive 180 or 90-day values.

• Flexible Products. We cater to all client circumstances.

• Equitable Charge Loans. We offer lending even when consent has been refused by the first charge lender.

• Director’s Main Residence. We’ll lend even if a director’s residence is in their personal name.

• Specialist Second Charge Team. The market leaders with dedicated in-house consent department.

• No application forms. Paperless until completion, with just a simple checklist required for us to provide an offer.

• 1-hour Offer. We can provide you an approved offer within 1 hour of enquiring with us.


Direct Access to an Underwriter. From the day your case “locks in”, you’ll have direct access to one of our expert Underwriters.







Whether it’s a First-time commercial acquisition or expansion on an existing portfolio. Why waste valuable time when we do all the leg work for you. With rates still at a historical low, it’s a great time to take advantage of the excellent options on offer. Combining intuitive application systems for a quick initial decision with the expertise of our specialist team means we can consider everything from simple commercial transactions, to complex cases or large loans.



  • Available to trading business & commercial investors (Prime & Subprime options)

  • Loan to value generally somewhere between 65% to 80% (N.B. sub prime consideration on valuation)

    • (100% potential only with additional security)

  • Lending period generally 10 to 25 years

    • (up to 25 years available dependant on funder and sector)

  • Serviceability considerations 

    • Trading businesses measured on business performance

    • Investment property combination of rental income and covenant of tenant

    • Stress testing 

  • Interest only and fixed rate options 

    • Full and part amortising options

  • Packaging Requirements


Commercial mortgages for any purpose.


We don’t limit the number of investments that you can hold with us, and will consider a wide range of commercial property types including:


  • Semi-commercial and mixed-use

  • Retail units

  • Industrial units

  • Offices, including serviced offices that are multi-let on licenses


So, if you’re an individual, LLP, limited company, ex-pat or trust, our Commercial Mortgages could be the finance you require to reach your property ambitions. 



Commercial Mortgage highlights

  • Whole market low rates

  • Loans from £150k to £100m

  • Interest-only loans available (subject to affordability)

  • Semi-Commercial Mortgages – up to 75% loan to value (LTV)

  • Commercial Mortgages – up to 65% loan to value (LTV)

  • Variable rates available*

  • 2, 3, 5 and 10 year fixed rates available

  • Loan terms from 3 to 25 years


Tailored financial solutions for you

  • Multiple commercial properties on a single loan available

  • Interest-only, part repayment or full repayment available

  • Minimum personal guarantee of 25% of the loan amount

  • Various lease terms can be considered

  • We support buy-to-let landlords diversifying into commercial property alongside seasoned commercial property investors






If you are involved in the property investment market, we support new enquiries and refinancing of existing investments including residential, commercial and semi-commercial properties. Our panel of funders can support single acquisitions through to multi-million-pound portfolios. We have access to a range of investment products and specialist terms giving you flexibility to deliver.


  • Available to investors – HMO, AST and Mixed usage options (Prime & Subprime options)

  • BTL options available

  • Loan to value generally up to 75% (N.B. sub prime consideration)

    • 85% available dependant on asset

  • Lending periods up to 30 years

  • Serviceability considerations 

    • Passing & market rent

    • Net rental consideration for some of our funders

    • Stress testing

  • Interest only and fixed rate options

    • Full and part amortising options

  • Packaging Requirements


ALTERNATIVE TO BTL…. For those struggling to obtain a BTL mortgage, here is an alternative. Click here.






We have lenders that will look at your current ability to pay back monthly mortgage instalments rather than your previous credit history and circumstances. With a 90% approval rate with some of our lenders, we will put you in the best position to obtain the mortgage you need to acquire your commercial or investment property,


Contact us for a confidential no hassle application.






With products specifically designed for commercial property market, we can tailor 2nd and even 3rd charge structured lends on properties for clients. A percentage of the remaining equity can be utilised. Please call us for a confidential discussion.








Maximum loan to value: 50% & 75%

Maximum term: 12 months


Essentially a pre-agreed funding line against unencumbered property/properties so ideal for experienced landlords or property developers. Where this facility differs from a traditional bridging facility is that as the funds are provided against the unencumbered property, therefore the drawdown will rely on the security already taken and not any new property. The facility is in place for 12 months. The only valuation required would be on these unencumbered properties and not on any of the new properties purchased. All we require is a simple application for each drawdown request, the monies are then released within 48hrs of submission.



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