UK Property Finance

In short - no. We generally require borrowers to have a financial stake in the project. We only consider 100% funding where there is substantial additional collateral or if it there are exceptional circumstances.

You secure the loan against your development site or property. We will then releases funds, sometimes in staged drawdowns, to cover purchase, build costs, or both.

You repay it when you sell the completed units or refinance with a development exit loan or mortgage.

If it adds value to property, it likely qualifies.

• Ground-up developments (new builds)
• Conversions (offices → flats, barns → houses, etc.)
• Heavy refurbishments and extensions
• Part-completed or stalled projects needing rescue funding

Usually 1 to 12 months is the typical scenario - it’s not meant to be long-term, it’s a fast, flexible funding solution until you refinance or sell.

We can often release funds in stages as the build progresses. Each stage is verified by a survey or quantity surveyor report before the next tranche is paid.

This protects both you and us as the lender.

A repayment rate will be assigned, and is calculated on factors like:

• Loan amount borrowed
• Experience in development
• Loan-to-value (LTV) ratio
• Strength and achievability of the exit

Our fast bridging loans offers speed and flexibility, it typically results in a higher cost than conventional money lending.

Factor these costs into your budget to maintain profitability:

• Arrangement fees
• Valuation and monitoring charges
• Legal cost on both ends
• Exit penalty, if stipulated
• Broker costs: optional but commonly applied

As long as you are a UK homeowner, your paperwork, development plans, and valuations are ready, you can secure acceptance of finance within 2 hours. IF you have an urgent project, complete funding can be provided within 48 hours.

Below are some non-negotiables for you to be able to draw down the loan.

1. Legal & identity

• Solicitor instructed (on lender’s panel)
• Certified ID & AML checks (borrowers + directors / PSCs)
• Source of funds evidence (deposit, fees, equity)
• Company documents (if SPV / Ltd):
• Certificate of Incorporation
• Articles of Association
• Shareholder & director details

2. Property & title

• Formal valuation report (usually Red Book)
• Title review / searches (or search indemnity)
• Legal charge documentation
• Planning confirmation (existing consent or lawful use if applicable)

3. Loan-specific

• A signed facility agreement
• The exit strategy evidence (this is critical)
• Sale appraisal or refinance evidence (DIP from term lender, broker letter, affordability)
• The schedule of work
• The build cost summary (can be high level initially)

4. Insurance

• Buildings insurance noting lender interest
• Site insurance

Yes – the loan can be repaid early, rather than waiting until the loan term ends. Property development bridging loans are frequently repaid early when the project finishes ahead of schedule.