Debt Advisory

Bridge Finance

Bridging loans can be arranged quickly, but typically the cost of borrowing is higher than a traditional mortgage.

They can be used as a short term alternative to a traditional mortgage on any type of building, or for development or refurbishment projects that do not qualify for a traditional mortgage. Bridging loans can be complicated and an exit strategy should be in place – our expert team can help.

Development Finance

Development funding can be for new builds – whether a single house, a multiple unit house project or for apartment blocks.

It can also be used for conversions of property such as commercial to residential under permitted development rights or from larger single unit residential properties into HMOs or individual flats.

This type of lending is assessed on a case by case basis and no two applications are treated the same. Funding can be by way of senior debt finance, stretched senior finance or in a combination with mezzanine finance and/or equity finance. Our bespoke service ensures that we will find the right financial structure for the client profile, property location and scheme details.

Investment Finance

These can be single assets or portfolios and lending is generally up to 85% loan to value (LTV).

Each specific case will depend upon the property type, property location and tenancy type. There are a wide range of lenders that operate in this sector and we will match your requirements on pricing, gearing, repayment type and loan term.

ADVISORY CASE STUDIES

Debt type
Development into investment funding

Location
Central London

Facility
2 year term – funding 100% of construction and refinance to investment

Lender
Specialist Development Bank

Debt type
Development

Location
Surrey

Facility
18 month term – funding 100% of construction costs

Lender
Specialist Development Bank

Debt type
Development

Location
Notting Hill, London

Facility
12 month term funding 100% of refurbishment costs

Lender
Specialist Development Bank

Debt type
Development

Location
Fulham, London

Facility
18 month term funding 100% of construction costs

Lender
Specialist Development Bank

Debt type
Investment

Location
London

Facility
Long term fixed rate

Lender
Insurance Company

Debt type
Investment

Location
Home Counties

Facility
Medium term fixed rate

Lender
Building Society

Debt type
Investment

Location
Home Counties

Facility
Medium term fixed rate

Lender
Private Bank

Debt type
Development

Location
Yorkshire

Facility
18 month term funding 100% of construction costs

Lender
Specialist Development Bank

Debt type
Development

Location
Cambridgeshire

Facility
18 month term funding 100% of construction costs

Lender
Specialist Development Bank