Each product below is a discipline in its own right, with its own lenders and criteria. We know where each fits and how they combine.
Short-term property finance
Bridging Finance
Fast, flexible short-term funding for acquisitions, time-sensitive opportunities, refurbishments and other property requirements.
- Term
- 3 – 24 months
- Security
- Residential, semi-commercial, commercial, land
Ground-up and conversion
Development Finance
Funding designed around the development lifecycle, from acquisition through construction and completion.
- Term
- Build programme plus sales period
- Basis
- Loan to cost and loan to GDV
Release equity without refinancing
Second Charge Bridging
Unlock equity without necessarily refinancing the existing first charge.
- Term
- Short term, typically up to 24 months
- Basis
- Combined loan to value
Higher-leverage capital structures
Equity, JV & Mezzanine Finance
Flexible capital structures for complex or higher-leverage projects.
- Position
- Behind senior debt
- Basis
- Total loan to cost and loan to GDV
Investment property finance
Residential & Commercial BTL
Finance solutions for residential and commercial investment properties.
- Term
- Typically 2 – 25 years
- Basis
- Loan to value and rental cover (DSCR / ICR)
Review your existing funding
Residential & Commercial Refinance
Review existing funding and explore potentially more suitable financing structures.
- Property
- Residential, commercial, portfolios
- Purpose
- Rate review, equity release, restructuring
The right finance can make the difference between missing an opportunity and securing it.