A developer and prolific investors' constant challenge is cashflow and scale. How to find ways to stretch your existing available capital in order to be able to capitalise on every worthwhile deal you find. There are a number of breakthrough lenders who are prepared to take a commercial view on a project that has demonstrable potential and upside - but they will always require the buyer to have some 'skin in the game'. What if you are already fully committed but don't want to miss out on the deal? There's no magic bullet, but we have a growing database of high net worth investors who have the capital you require at that moment - that can be provided in either stretch or mezzanine form, in return for an equity share / profit split or straight forward interest on loan basis. We also have a growing, but refined, list of specialist development funding partners who provide 90%-100% funding depending on whether or not you have managed to build any value into the site pre-development (ie: planning gain or demonstrable purchase below market value).

Regulated Bridging Finance for moving homes. Refurbishment Finance to flip or retain property. Land Bridging for pre-planning purchases. Commercial Bridging for Business Start-Ups or Expansion. Finance for Opportunities and for Unexpected Crises’ Small value loans on properties not considered by the buy to let market. War-chest facilities at up to £20m. Standalone 2nd, 3rd, Third Party and Equitable Charges. Loans at up to 87% of the purchase price Day 1 for refurbishments AT BANK RATES. Planning Gain loans at up to 90% of the hope value of the land. Loans to Ex-pats / Foreign Nationals / Charities / Trusts / Associations / Adverse Credit On Land without planning / Complex Title Transactions / Irish, Jersey and Guernsey Property / Where the exit comes from an uplift in trading performance.

As experienced developers ourselves, we have encountered a wide range of scenarios that required strategic thought and execution. This level of direct experience places us in a position of significant strength when helping our clients plan and source the best financial debt structure for their developments. Our funding solutions include finance and loans for new build projects, redevelopments, major renovation works or just general refurbishments. Our clients include individuals and companies developing residential, commercial and mixed use properties. Using bespoke schemes, we can secure up to 100% development funding. This, coupled with our development experience is ideal for small developers looking to build who may already own land with planning but lack resources to develop. We have direct access to an enviable database of lenders, ranging from traditional banks through to crowd funding platforms and high net worth investors. Once you have identified the project and roughly worked out viability, costs, end value and profit margin, get in touch with us so that we can look over the information and give you our input prior to proceeding. ​ Who can borrow? We provide Property Development Finance for experienced Builders and Property Developers and to those undertaking their first project with the contracted support of a recognised and registered builder. It will be necessary for all applicants to provide personal and business profiles and we will assist you with these as necessary. For an immediate discussion on your requirements and the funding options available please use our contact form. ​How much can I borrow? We provide Property Development Loans from £50 K up to £50 Million. In general terms we can provide Senior Debt finance to cover up to 65% of the site acquisition costs ( or current value if the site is already owned ) and up to 100% of the development costs which is drawn down at pre-agreed project stages. As a general principle, the level of funding available will increase the greater the profitability of the project. We also provide top up or so called ‘Mezzanine’ finance which allows additional funding to be advanced in addition to the ‘Senior Debt’ up to a maximum of 90% of the total project costs. For clients who can offer additional property as security we can often make up any shortfall of funds and we will be happy to discuss the broad range of alternative funding options available. What other costs are involved? In all cases it is necessary for the project Gross Developed Value (GDV) and all development / construction costs to be independently assessed and verified prior to the loan facility being formally approved. Such valuations and professional services are at the expense of the borrower - as are legal expenses. What rate and fees will I pay? This generally depends on the amount you wish to borrow but rates currently start from 3% above base per annum, and will generally be geared to the overall loan to GDV requirement. We offer loans from our own syndicated fund and also work with 30 other active lenders in the UK market. Our charter and commitment is to secure you the most competitive finance package for your development project. Facility set fees are generally incidental to the overall project cost and we agree these at commencement of the project. Time and again the actual savings we achieve for our clients cover the project fees many times over.

As we sit underneath the umbrella of a larger FCA regulated firm, we are also able to assist with advising on, and securing the best Buy to Let and Owner Occupier mortgages available on the market. Having preferred status with a number of lenders, means that we are in prime position to help clients secure the most attractive rates at any given moment in time, and will always advise clients on the deal that makes the most sense for their individual circumstances. Our knowledge of a lenders specific parameters and requirements is second to none, meaning that we will only suggest a lender and product to you, having already established it to be optimal to your needs. Purchases in individual / joint names as well as Limited company purchases are both options for Buy to Let clients, and advice can be provided on which option may be the best long term solution.