Our Services
The Full
Capital Stack
Seven core funding solutions covering every stage of property development. From land acquisition to long-term refinancing, we structure the optimal capital solution for your project.
Development Finance
Development finance provides the core funding for new-build projects. Typically structured as senior debt, it covers land acquisition and construction costs with staged drawdowns aligned to your build programme.
Rate
From 6.5% p.a.
LTV
Up to 65-70% LTGDV
Term
12-24 months
Typical Use Cases
Mezzanine Finance
Mezzanine finance sits behind senior debt in the capital stack, stretching your total borrowing to 80-90% of costs. It reduces the equity you need to inject, freeing capital for additional projects.
Rate
From 12% p.a.
LTV
Up to 85-90% LTGDV
Term
12-24 months
Typical Use Cases
Bridging Loans
Bridging loans provide rapid access to capital when speed is critical. Whether purchasing at auction, securing a site before planning, or bridging a gap between transactions, funds can be available within days.
Rate
From 0.55% p.m.
LTV
Up to 75% LTV
Term
1-18 months
Typical Use Cases
Equity & Joint Ventures
For developers who want to preserve capital or lack the equity to satisfy senior debt requirements, equity and JV structures provide the missing piece. We connect you with family offices and institutional equity partners.
Rate
Profit share from 40%
LTV
Up to 100% of costs
Term
Project duration
Typical Use Cases
Refurbishment Finance
Refurbishment finance covers the acquisition and renovation costs for property conversion and refurbishment projects. From light cosmetic works to heavy structural alterations, we source competitive terms.
Rate
From 0.65% p.m.
LTV
Up to 75% LTV
Term
6-18 months
Typical Use Cases
Commercial Mortgages
Commercial mortgages provide long-term finance for purchasing or refinancing commercial and semi-commercial property. Suitable for offices, retail, industrial units, and mixed-use buildings.
Rate
From 5.5% p.a.
LTV
Up to 75% LTV
Term
3-25 years
Typical Use Cases
Development Exit Finance
Development exit finance replaces your development facility once construction is complete, giving you breathing room to sell units at the best price rather than under pressure. It repays the senior lender and provides a lower-cost holding facility while you market and sell.
Rate
From 0.55% p.m.
LTV
Up to 75% LTV
Term
6-18 months
Typical Use Cases
Not Sure Which
Product Fits?
Tell us about your deal and we’ll recommend the right structure. Most deals use a combination of products to optimise leverage and cost.