Mortgages for Business and Commercial

Specialist in commercial and semi commercial mortgages. Retail, Offices, Hotels and more! Market leading rates. Call or apply online

Commercial & Business      90%LTV Buy To Let       HMO Mortgages     Residential Mortgage   Fast Bridging Loans 

 

Property Development Finance and Property renovation Loans

100% Development finance facilities for small to medium sized property development projects.

Development Finance Property construction

Short term development funding for up to 18 months for all kinds of development proposals, ranging from the purchase of run-down residential property for renovation, to the more experienced property investor who is involved in larger residential projects of houses and apartments or commercial & industrial developments.

Finance for self builders, renovators and small-scale property developers requiring finance for building or renovating a property with the intent to sell for a profit or let the property on completion. You can borrow against the value of the land, property or GDV rather than the agreed purchase price.

property development finance loans
Property under construction

Funding for small sized development projects Ideal for property refurbishment, property conversions, new build and gaining from speculative opportunities in residential and commercial market.

We can also assist funding the more speculative proposals such as purchase of land for planning gain with either immediate resale for profit or re-finance on development. Planning Gain Finance up to 100%. We can secure specialist funding for experienced property investors and land agents requiring funding to acquire land or sites with planning potential.

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Development Finance General Lending Criteria:

short term funding development financeSecured on UK residential or commercial property and land by first legal charge. All Freehold properties considered.

100% funding for development projectsMin Loan Size £50,000 to £5 Million (larger facilities available)

self cert development financeSelf Cert non status funding ideal for self employed property developers and builders

self cert development financeStage payments. Loans may be released in stage payments to suit the progress of the building or development

finance for land purchaseLand purchase finance to 100% of purchase price

100% renovation financeDevelopment and renovation costs financed to 100%

self build funding for residential propertySome previous property development experience required or project managed

interest roll up loansNo loan payments for the duration of the build - Interest roll up or by monthly payment

Short term construction financeLoan terms of 3 months to 18 months

80% GDV FundingTotal loan including interest up to 80% of the finished project value GDV

Planning gain FinancePlanning Gain Finance. Funding to acquire sites with planning potential

Adverse credit development loan Adverse or impaired credit cases considered. Arrears & CCJ's are not usually a problem

Commercial & Residential Development Funding

commercial redevelopment of a building
Commercial Development of Flats

Development finance for self employed property developers purchasing residential sites for conversion into units for resale.

Case Study: Residential Development of Apartments

Residential development financeA Client had an opportunity to purchase a large residential property that had been empty for a number of years, although not in a mortgagable condition itself we were able to arrange 100% finance of £650,000 to purchase the property, and a further facility for the development loan of £710,000 over a 12 month term. The property was converted into a modern development of 2&3 bedroom apartments which were sold on and mortgaged to a buy to let facility on completion.

Development finance for self build projects, Barn conversions and new homes

Case Study: Self Build Barn Conversions in Cornwall

100% Barn conversion financeA site consisting of a cornish farmhouse and several stone barns with full planning to convert into 3 residential dwellings. The client was not an experienced developer but was able to use his fathers building firm to oversee the project. We were able to arrange a development loan with staged payments over a 12 month term for a total gross development value of £1,805,000. 100% of the development costs were funded. Two of the barn conversions were sold repaying the borrowings and the third was retained by the client and re financed on a Buy-to-let mortgage.

Specialist funding for site acquisition without planning permission or planning gain proposals

Case Study: Land Refinance for planning gain and loan consolidation

100% Barn conversion financeWe were aproached by a client who owned a property with a peice of land adjoining the title with planning potential. We were able to arrange legal seperation of title on the land and then raised £60,000 on a non status self certified loan based on the value of the land. The loan was to consolidate some home borrowings and to pay for professional fees drawing up plans of the proposed build. 3 months later with a full planning gain of a 3 bedroom residential dwelling the plot value was signficantly increased was then sold at a good profit which resolved our clients short term cash flow situation.

Planning gain proposals financed for experienced developers

Case Study: Land Refinance for planning gain and loan consolidation

100% Barn conversion financeAuction purchase of a commercial building with outline planning for 5 residential flats. Our client purchased a fire damaged public house which had stood empty for the past 4 yrs.  Because the property was not mortgageable our clients bid was sucessfull paying £160,000 for the property with no planning. We were able to finance the property in the initial stages of planning approval. With planning approved a development loan including roll up of interest was approved for 100% of the costs to enable the build to go ahead. The project was finished in 10 months and flats sold at the uplift in value.

Finance for profiting from planning gain

Case Study: Land agent obtains 100% funding for site purchase

100% Barn conversion financeA run down commercial property in an area zoned for residential development had been identified by a land agent. With a strong likelihood of obtaining residential planning to convert the site into residential development of housing, he sought finance to purchase the site while it was still classified as commercial. As it stood the site was only valued at £650,000, yet to secure the purchase a price of £720,000 was agreed. Finance for 100% of the purchase price was provided to secure the purchase. Once full residential use was granted the site was re-sold to a developer for £1.48 million

property renovation of old apartment

If you need short term finance to fund a property development project, property renovation or small build project, contact us today for advice on finance and help putting together a solid proposal for funding. We charge no broker fees and have access to whole of market to a wide range of specialist property bridging financers and development finance lenders. 

Enquire online for your development funding requirements large or small.

Also see Bridging Finance and Bridging Loans for short term property finance.

Also see Light refurbishment mortgages for purchasing distressed or run-down properties for renovation.

 

 
 

Yes To Commercial mortgages

YES: Up to 100% Lending
YES: Self-Cert up to £10m
YES: Commercial refinance
YES: Start up Business
YES: CCJs or Bad credit

YES: Competitive rates

Commercial mortgages

BTL & HMO Mortgages

Yes To Development Finance

YES: Up to 100% Funding
YES: Self Builds
YES: Land with no planning 
YES: Renovation loans
YES: Development loans 

YES: Commercial development

Business Funding

Yes To BTL & HMO Letting

YES: 90% LTV BTL
YES: Self Cert Income
YES: No rental asessment 
YES: No ERC's or HLC
YES: Portfolio refinance

YES: Low interest rates

BTL HMO Let Mortgage

Yes To Bridging Finance

YES: Up to 85% LTV OMV
YES: 100% Purchase price
YES: Funds in 10 days
YES: Development Finance
YES: No Hidden Charges

YES: Rates from 0.99%/mth

More info on Bridging Finance

Yes To Corporate Business Finance
Corporate Business Finance
Management Buy Out Financing
Asset Funding & Trade Finance
Factoring
Invoice Discounting

 

Accepted property types

Semi Commercial Property
Hotels & Hotel Redevelopment
Offices - Office Blocks
Retail Shops -W/wo Flats Above
High street Retail premises
Warehouses & Distribution centers
Take aways -W/Wo Flats Above
Buy-To-Let portfolios
Multiple Occupancy (HMO)
Bed and Breakfast Houses
Restaurants
Pub Leases & Freehold public houses
Veterinary Surgeries
Private healthcare Clinics
Nursing homes
Doctors & Dental Surgeries
Property Development Finance
Industrial Units
Factories & Production plant machinery
Farms & Agricultural Machinery
Franchising
Land with or without planning
Motor trade & Garage Forecourts
Leisure Premises - Health Clubs - Gyms
Site Redevelopment opportunity finance

 

 

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