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Our approach to property finance

Since our launch in September 2015, we’ve been fortunate enough to work with some of the UK’s most ambitious and successful property developers and investors. Our loans have helped finance a range of projects, including: care homes, student accommodation, serviced apartments, co-working and co-living spaces, and properties for first-time buyers. We have also provided finance for land acquisitions, planning gains, PRS, vendor loan notes, PIK toggles and refinancing, enabling our borrowers to achieve maximum value for the units rather than being forced to sell in a short timeframe.

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We provide flexible repayments terms based on the build programme

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We aim to provide fast decisions and ensure that developers are kept up to date throughout the credit process

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We invite borrowers to our credit committees to discuss their property development and investment plans directly with the decision makers

Our property
investment loans

We provide funding for individuals or businesses who invest in property-to-let. For property investment loans, we provide up to 75% of the value, depending on underlying cashflow. For property development loans, we provide up to 75% loan-to-cost and 65% loan-to-gross-development value.

Where constrained by leverage or loan quantum, we have introduced funding partners to structure a facility that meets the borrower’s requirements. We have also worked with other lenders when they have approached us to participate in their transactions.

What our clients say

Get in touch with our team

If you’d like to discuss your property development or investment plans with us, please complete this form and one of our property finance directors will give you a call. Alternatively, please visit our contact page for details of how to get in touch.