Property & Commercial Finance
Bridging, development, property and business finance for developers, investors and business owners. We assess the structure, security and exit before selecting a lender.
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What do you need to test?
Start with the decision you need to make. Each tool examines a different part of the transaction and can be used without submitting an enquiry.
Test a development, bridge, refinance or business funding proposal.
Model cash required, leverage, funding costs, exit assumptions and the issues a lender may question before the case is submitted.
Analyse the transaction →Model a purchase, refurbishment and retained-property refinance.
Test acquisition and works costs, bridging finance, rent, refinance leverage and the amount of cash left in the investment.
Test a buy-to-let project →Calculate SDLT, LBTT or LTT within the acquisition cost.
Estimate the applicable property transaction tax across England, Scotland and Wales before finalising the cash requirement.
Calculate purchase tax →See current UK swap rates and how they have moved.
Review the market reference rates that can influence term-finance pricing, refinance assumptions and lender appetite.
View current swap rates →What are you financing?
Choose the transaction first. The product and lender should follow from the structure of the deal.
Bridging Finance
Short-term property-backed funding for acquisitions, refurbishment, timing gaps and other transactions where conventional finance is too slow or unsuitable.
Explore bridging →Development Finance
Staged funding for ground-up schemes, conversions and substantial refurbishment, structured around cost, GDV, programme and exit.
Explore development →Property Finance
Commercial mortgages, buy-to-let and semi-commercial finance for property held for occupation, investment or refinance.
Explore property finance →Business & Asset Finance
Funding for equipment, vehicles, working capital and business investment where the requirement sits outside property finance.
Explore business finance →What lenders will look at
Finance becomes easier to place when the underlying credit questions have been answered before the application is made.
Structure
What is being funded, how much capital is required, where borrower equity sits and whether the proposed facility matches the transaction.
Security
The quality, value, tenure, condition and marketability of the property or assets supporting the lending.
Exit
How the facility will be repaid, what evidence supports that route and what happens if the primary exit takes longer than expected.
Borrower credibility
Experience, financial resilience, track record and the quality of the information supplied to support the case.
Risk and structure first. Lender second.
The availability of finance does not necessarily make a transaction a good use of capital.
We review the requirement, security, leverage, cash flow and exit before approaching lenders. The objective is to identify likely friction early, structure the case realistically and approach funders whose appetite fits the transaction.
For development cases, that can include an independent stress-test of GDV, build cost, programme and exit assumptions before lender engagement.
“We treat others as we would wish to be treated.”
Our responsibility is to exercise sound judgement, explain matters honestly and recommend only what we genuinely believe is in the client’s best interests. Sometimes that means arranging finance. Sometimes it means suggesting a different course of action.
Have a transaction you would like us to assess?
Give us the broad outline. We will tell you what appears realistic and what needs further evidence.