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PRODUCTS

WHAT WE SPECIALISE IN

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PROPERTY DEVELOPMENT FINANCE

Property Development Finance in the UK is a specialised lending solution for developers and investors. It provides the necessary funds to undertake and complete real estate development projects, ranging from small renovations to large-scale construction. This type of finance is typically short-term and is used to cover the costs of purchasing land and the subsequent building work. It's a crucial tool for developers aiming to turn around properties for profit quickly. With its flexible structure and tailored terms, Property Development Finance supports the dynamic needs of developers in the ever-evolving UK property market, helping bring ambitious projects to fruition.

New Build Development Finance is a type of funding for constructing new properties or developments. It caters to developers and builders, offering capital for land acquisition, construction costs, and associated...

NEW BUILD DEVELOPMENT FINANCE

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Heavy Refurbishment Bridging Finance is a short-term loan tailored for substantial property renovations. It's ideal when standard mortgages don't apply due to the property's condition. This finance option helps investors or developers...

HEAVY REFURBISHMENT BRIDGING FINANCE

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Developer Exit Finance is short-term funding allowing property developers to exit an existing project. It covers outstanding loans, allowing developers to sell or refinance completed developments. This financing...

DEVELOPER EXIT FINANCE

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BRIDGING FINANCE

Bridging Finance is a dynamic tool in the UK financial market and is a short-term funding solution. It's designed to 'bridge' the gap between immediate financial needs and longer-term financing. Often utilised in real estate transactions, Bridging Finance provides swift access to funds, aiding buyers in securing properties much quicker than traditional mortgages, which can take months. Its flexibility and speed make it popular for those navigating time-sensitive financial situations. While it offers rapid funding, it's crucial to consider its higher interest rates compared to traditional mortgages, making it an ideal option for short-term financial strategies rather than long-term solutions.

Bridging finance serves as a temporary financial solution in property dealings, providing a swift means to span the interval between the immediate need for capital and the availability of long-term...

SHORT TERM BRIDGING FINANCE

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Auction Finance is a specialised short-term loan designed to buy auction properties. It offers quick funding to secure a purchase, often within tight deadlines. This finance type benefits investors who...

AUCTION FINANCE

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A short-term loan for land is a temporary financing solution for acquiring or developing undeveloped land. Typically, it has a term of one to three years and provides quick capital access for land...

LAND WITH & WITHOUT PLANNING

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A short-term loan for Pre-Planning Finance is a temporary funding solution for real estate projects in the early stages before obtaining planning permission. It provides capital for feasibility studies, surveys, and initial...

PRE-PLANNING FINANCE

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A Short-Term Loan for Refurbishment – Change of Use is a temporary financing solution for renovating a property to change its purpose, like converting a commercial space into a...

REFURBISHMENT - CHANGE OF USE

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RESIDENTIAL INVESTMENT MORTGAGE

A Residential Investment Mortgage in the UK is a strategic financial solution tailored for investing in residential properties. This type of mortgage is typically used by individuals or entities looking to purchase residential real estate not for personal use but as an investment – either to rent out for income or to sell for a profit. It differs from a standard residential mortgage as it considers potential rental income and investment viability. This mortgage type is a vital tool for investors in the thriving UK property market, offering a pathway to build a property portfolio and generate long-term wealth.

Buy to Let (BTL) Mortgages are used for purchasing or refinancing property specifically to rent it out. Unlike standard residential mortgages, it's assessed based on potential rental income rather than...

BUY TO LET (BTL)

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A House of Multiple Occupancy (HMO) Mortgage is a financial product designed for properties rented out to multiple tenants not part of a single household. These mortgages cater to...

HOUSE OF MULTIPLE OCCUPANCY (HMO)

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A Multi-Unit Freehold Block (MUFB) Mortgage is a loan designed for investors purchasing or refinancing a property containing multiple self-contained units. It applies to...

MULTI UNIT FREEHOLD BLOCK (MUFB)

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A Serviced Accommodation Mortgage is designed for property investors engaging in short-term rentals or serviced apartments. It supports the purchase or refinancing of properties intended for...

SERVICED ACCOMMODATION

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A Portfolio Mortgage is a loan that enables individuals to finance multiple properties within a single mortgage. It's designed for real estate investors or property owners managing a portfolio of residential or...

PORTFOLIO MORTGAGE

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Incorporating Buy-to-Let Portfolios involves transferring individual properties within a buy-to-let portfolio into a limited company structure. Property investors use this strategy to optimise...

INCORPORATING BUY TO LET PORTFOLIO

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A Holiday Let Mortgage is designed for purchasing or refinancing properties rented out short-term to tourists or travellers. Unlike standard residential mortgages, it accounts for the fluctuating income from...

HOLIDAY LETS

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Purpose-built student accommodation (PBSA) refers to specialised residential properties explicitly designed for students, typically located near universities or colleges.

PURPOSE-BUILT STUDENT ACCOMMODATION (PBSA)

New house build

COMMERCIAL MORTGAGE

A commercial mortgage is a specialised financial product designed primarily for businesses and investors to purchase or refinance commercial property. It functions as a secured loan, with the property typically serving as collateral. This type of mortgage is tailored to meet the unique needs of businesses, offering more flexible terms and conditions than a standard residential mortgage. It's an essential tool for companies looking to expand their footprint, acquire new premises, or invest in real estate, providing a viable financial solution in the dynamic UK financial market. With professional advice, businesses can navigate this complex area to find a mortgage that aligns with their strategic goals.

A Semi-Commercial Investment Mortgage is a financial product designed for purchasing properties with residential and commercial elements, such as a shop with an apartment above it...

SEMI COMMERCIAL INVESTMENT MORTGAGE

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A Commercial Investment Mortgage is a loan for purchasing or refinancing income-generating properties like offices, retail spaces, warehouses, or apartment buildings. It's tailored for investors looking to...

COMMERCIAL INVESTMENT MORTGAGE

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An Owner-Occupied Commercial Mortgage is a loan for business owners to buy or refinance property used primarily for business operations. Ideal for small to medium-sized businesses, owners can invest in their...

OWNER OCCUPIED COMMERCIAL MORTGAGE

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