Property Finance

Property finance is a broad term and can cover:

• Residential lending
• Commercial lending
• Development lending

Residential lending is typically aimed at property investors looking to get into buy-to-let; commercial lending can cover anything from an industrial unit to a luxury marina; and development lending is used to finance the work-in-progress as a property is built or re-developed.

As with bridging finance, there are many different lenders in the market now, most of which have arrived to fill the gap left by the banks and building societies after the financial crisis.

All have different criteria and appetites for risk and it is our job to help you navigate the array of options available and negotiate the right deal for you. Considerations in choosing your lender will include:

• Minimum and maximum loan sizes
• Minimum and maximum single property values
• Maximum loan to value (costs and gross development value)
• Your contribution to the purchase and build costs
• Flexibility in repayment profiles
• Interest rates and fees

Speed can be of the essence, particularly when you spot a development opportunity, and we pride ourselves on only working with reputable lenders that can respond quickly and with a commercial mindset. Where necessary, we can help arrange a short-term bridging facility while a longer-term facility is put into place.

Talk to us about your next purchase or project. We'll be pleased to help.