Semi-Commercial Mortgages: Funding Mixed-Use Property
Semi-commercial mortgages are built for property that is part business and part home, the kind the high street struggles with. You have found a shop with a flat above it, or an office with a couple of apartments on the upper floors, and it looks like a smart buy. Two income streams, one building, one […]
Property Development Finance Explained, Stage by Stage
Property development finance is the funding that turns a plot or a tired building into finished, saleable units. You have found a site with real potential: a plot with planning, or a tired building crying out for conversion. The plan is sound, the numbers stack up, and then you try to fund it. A normal […]
How much deposit do you need for a mortgage?
Five per cent, if you are buying a home to live in and your circumstances are straightforward. Twenty five per cent or more if you are buying it to let. Somewhere between a quarter and a third for commercial property. And if you are buying at auction or funding a project, the whole idea of […]
How to Get Preapproved for a Mortgage
fGetting preapproved for a mortgage in the UK means getting a mortgage in principle, and the first hurdle is that nobody agrees what to call it. Agreement in principle, decision in principle, mortgage in principle, AIP, DIP, pre-approval. Six names, one document. It is a lender’s written indication of what it would lend you, based […]
Different Types of Mortgages Explained
Ask most people what type of mortgage they have and you get one word back. Fixed. It is a fair answer to the wrong question, because “type” is doing two jobs at once. There is how you pay for the loan, and there is what the lender thinks you are buying. Get the first wrong […]
Commercial Mortgages Explained: A Guide for Investors and Developers
Commercial mortgages are how businesses and investors buy property, and they work nothing like a home loan. You have outgrown renting your premises, or you have spotted a commercial property worth owning, and a commercial mortgage looks like the obvious next step. Then you start reading about them, and the familiar ground you stood on […]
Development Exit Finance: How to Refinance a Finished Scheme in a Slow Market
Development exit finance is built for one situation, a finished scheme that will not sell. Your scheme is built. The scaffolding is down, the units are dressed, the photos look great. The only problem is that they are not selling, and your development finance is still running at development finance rates. Every month the site […]
Bridging Finance Interest Rates: What’s Shaping Pricing in 2026
Ask three lenders for a bridging quote and you can get three very different numbers. One quotes 0.55% a month, another 0.95%, a third north of 1.2%, all for what looks like the same deal. It’s enough to make any borrower wonder how bridging rates are really set. The truth is that a bridging finance […]
Bridging Loan for Property Development
Planning a project and stuck on the first proper question: is a bridging loan for property development the right tool, or do you need development finance? Ask five lenders and you’ll get five answers, mostly pointing at whichever product that lender happens to sell. Here’s the honest version. Both products fund property projects, they overlap […]
Build to Rent Finance
What if you built your next scheme and just… kept it? No sales chase, no estate agent fees, no handing your best work to strangers. Rental income from homes you built yourself, at build cost rather than market price. That’s build to rent, and it’s no longer just the institutions playing. Big funds put up […]