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 […]
Guide to Buy to Let Mortgages
Most guides to buy to let mortgages explain the product and stop. The product is the easy part. What catches landlords out is everything sitting around it: which facility suits which moment, what happens when you own four properties instead of three, and the growing pile of rules a lender now expects you to be […]
Guide to Second Home Mortgages
A second home is not a type of building. It is a type of use, and that distinction is the whole reason second home mortgages exist as a category at all. Buy a cottage by the sea and live in it at weekends, and it is a second home. Buy the identical cottage and let […]
Guide to Development Finance
Development finance is the only property lending where the thing being funded does not exist yet. Everything else follows from that. A lender cannot value a finished scheme that has not been built, so it lends against a forecast, releases the money in stages as the forecast turns real, and sends someone to check. That […]
Guide to Commercial Mortgages
Most guides to commercial mortgages stop at the definition. This one starts after it. If you already know you need a commercial mortgage, the questions that actually matter are different: what it will cost you all in, which lenders will look at your case, how long the whole thing takes, and what tends to go […]
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 […]