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 […]
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 […]
Housing Development Finance
Found a site with potential? Planning to convert that tired house into flats? Ready to build for the first time, but every lender’s website reads like it was written for someone who’s already built forty? Housing development finance sounds complicated because the industry enjoys making it sound complicated. Senior debt, GDV, stretched facilities, drawdown schedules. […]
Chain Break Bridging Loans: Rescuing a Stalled Property Sale
You’ve found the home you want, your offer’s accepted, and then the call comes. Your buyer has pulled out. Just like that, the chain collapses, and the house you were moving to is suddenly slipping away because you can’t complete on it. This is exactly the gap a chain break bridging loan is built to […]
Auction Finance UK: Funding a Property Purchase at Auction
The hammer falls, and the clock starts. Win a property at auction and you’ve usually exchanged on the spot, with completion due in 28 days. There’s no “subject to mortgage”, no polite extension, no second chances. Miss the deadline and you lose your deposit and the property with it. That’s why auction finance exists. It’s […]