Property developers and house builders tend to face a tough time in the media. Issues such as land banking, developer profits, build quality, cladding remediation or leasehold and ground rents are all used at times as a political football. With that said, the country needs housebuilders and developers to deliver the housing targets required to […]
Learn how development finance is structured, typical loan-to-cost and loan-to-GDV limits, and when experienced developers may be able to access up to 100% project funding.
Discover the key funding considerations for multi-unit developments, from lender appetite and project appraisal through to cash flow, phased drawdowns and exit strategy.
A client with industry experience, but undertaking their first project as a developer in their own right, exploring funding for the construction of a high-specification residential property. Key considerations included presenting transferable experience, tender packages and a clear exit strategy through sale via an age
An experienced developer sought funding for part demolition of an existing property and construction of a nine-unit residential scheme. Key considerations included loan-to-cost, staged drawdowns and aligning the funding structure with the proposed exit via sales of the units on completion, via a local agent.
With so much jargon involved in property development finance, it can seem baffling when a new borrower first enters the space or is comparing various loan offers from a few different banks. Oftentimes the terminology or how it is calculated, can change with each institution and also how you want structuring the loans, the type of scheme to fund or even depending on the type of lender you might be looking at.
Understand how the BRRR strategy works, how refurbishment finance is structured, and how investors recycle capital through the buy, refurbish, refinance and rent approach.
Discover how bridging loans work, when they are appropriate, typical lender requirements, common use cases and the key considerations before arranging short-term finance.
A property developer approached us regarding the acquisition and conversion of a commercial office property into 3 self-contained flats. The client was seeking a facility that could support both the purchase and proposed works, with the balance funded from cash. Key considerations included planning precedent, build costs, GDV evidence, commercial SDLT treatment, and allowing enough time for planning, conversion works and exit.
A commercial landlord sought funding for fit-out works ahead of a new serviced office tenant taking occupation of a floor of their office building. The existing loan on the property was also approaching maturity, so the case required consideration of both a commercial remortgage and potential bridging finance. Key considerations included the proposed tenant arrangement, valuation basis, fit-out budget, existing loan redemption, and whether the funding needed to complete before the new income was fully established.
A couple looking to downsize approached us having identified their ideal next home, but without their existing property yet on the market. With a mortgage-free existing home of a higher value than the onward purchase, we were asked to advise on a bridging loan to enable them to proceed with the new purchase before selling their existing home. Key considerations included loan-to-value across both properties, serviceability, and a clearly defined exit upon the sale of their existing home.
A property investment group identified an off-market opportunity to acquire a residential property in poor condition, unsuitable for standard mortgage lending. The client required a bridging loan to fund both the purchase and refurbishment works, with a view to selling the improved asset. Key considerations included security package, realistic uplift in value post-works, and a clean sales exit strategy.
An experienced property investor client acquired a dilapidated house at auction using cash, before approaching us to structure a bridging loan to fund the refurbishment and conversion into a licensed HMO. Key considerations included the scope of works, HMO licensing, loan-to-cost, and the proposed exit via a buy-to-let refinance upon completion.
With so much jargon involved in property development finance, it can seem baffling when a new borrower first enters the space or is comparing various loan offers from a few different banks. Oftentimes the terminology or how it is calculated, can change with each institution and also how you want structuring the loans, the type of scheme to fund or even depending on the type of lender you might be looking at.
A local design and build company approached us while nearing completion of a 9-unit barn conversion development in Hertfordshire. The client was considering retaining several completed units as buy-to-let investments to help repay the development loan. Key considerations included unit values, expected rental income, development loan redemption, title position, and timing the refinance around completion, sales and lettings.
A landlord sought funding for a converted Victorian property in Kent, where ownership of both the freehold and an adjoining unit triggered lender exposure limits. The funding approach required identifying lenders comfortable with concentrated exposure and structuring the application to address perceived risk.
An experienced portfolio landlord required funding for a buy-to-let remortgage for their apartment in Manchester, involving a complex lease structure. The transaction required careful lender selection and detailed rental stress testing to ensure affordability aligned with both the asset and wider portfolio position.
An experienced landlord acquired a freehold property in London to be converted and let as an HMO. The HMO buy-to-let mortgage was structured to reflect the higher rental income, with lender selection based on HMO criteria, stress testing and overall portfolio.
A commercial landlord sought funding for fit-out works ahead of a new serviced office tenant taking occupation of a floor of their office building. The existing loan on the property was also approaching maturity, so the case required consideration of both a commercial remortgage and potential bridging finance. Key considerations included the proposed tenant arrangement, valuation basis, fit-out budget, existing loan redemption, and whether the funding needed to complete before the new income was fully established.
A members’ society sought to raise funds against an unencumbered freehold property operating as a bar and events venue. The proposed loan was to support refurbishment works, create new daytime income opportunities, and fund essential building upgrades including electrics and windows. Key considerations included the society’s ownership structure, trading income, property condition, and how the improvements were expected to strengthen the venue’s longer-term commercial position.
A padel operator approached us whilst considering the acquisition of a commercial property to house a new leisure facility, incorporating padel courts and a café. We were asked to advise on suitable funding options for the purchase. Key considerations included lender appetite for leisure sector owner-occupier lending, the mixed-use nature of the facility, and the operator’s business plan and projected trading performance.
An established dental practice operating from leasehold premises identified the opportunity to acquire the long leasehold interest in their existing unit from their landlord. We were asked to advise on structuring an owner-occupier commercial mortgage to fund the purchase. Key considerations included the leasehold structure, the practice’s trading accounts, and ensuring the mortgage was structured favourably against their existing lease commitments.
A property investor sought to acquire a mixed-use asset comprising a ground floor retail unit with residential accommodation above. We were asked to advise on a mixed-use commercial mortgage to support the purchase on a buy-to-let basis. Key considerations included the blended income profile across both tenancies, loan-to-value, and lender appetite.
Adler Green Ltd is an Appointed Representative of Connect IFA Ltd, which is authorised and regulated by the Financial Conduct Authority. We are entered on the Financial Services Register under firm reference number 1045424. The FCA does not regulate some Business Buy-to-Let Mortgages and Commercial Mortgages to Limited Companies. Adler Green Ltd is registered in England and Wales (company number 16714313) at registered address 71-75 Shelton Street, London, WC2H 9JQ. We are registered with the Information Commissioner's Office as ICO No. ZB987489.
The information contained within this website is subject to the UK regulatory regime and is therefore targeted at consumers based in the UK. Your property may be repossessed if you do not keep up repayments on your mortgage. There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your consultant will confirm the amount before you choose to proceed. We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.