• No minimum income
  • Non-standard construction properties
  • Adverse credit can be considered
  • Generous rental calculations
  • Limited company applications
  • Local authority and housing association tenants can be considered
  • Lenders with no credit scoring available
  • Portfolio finance
  • New builds accepted with many lenders
  • Flats above commercial premises can be considered
  • Flat conversions where flats remain on one title with no separate leases
  • Houses in multiple occupation including student let properties
  • Locations covering England, Scotland 
and Wales
  • Single dwellings and multi unit 
schemes considered
  • Residential, commercial and mixed 
use schemes considered
  • Many funders offer interest on a rolled 
up basis
  • Loan to value typically up to 60% of the Gross Development Value (GDV) but can be achieved at 75% of GDV
  • Funding at pre planning stage available 
to facilitate the purchase of a site without planning permission and funding against completed developments allows developers to unlock their equity pending sale of the unit(s).
  • Stretch senior products available up 
to 90% Loan to Cost
  • Funding available to both experienced developers and those newer to property development
  • Refurbishments and conversions as well as ground up developments
  • Loans available from £25,000 with no maximum loan
  • Interest only available in some instances
  • Rates can be linked to bank base rate, LIBOR or fixed in some instances
  • Can accept businesses with just one year trading history
  • Adverse credit can be considered
  • Applications in personal names, 
Limited Companies both UK and 
offshore, LLPs and SIPPs
  • Property types considered include, 
among others, offices, holiday lets, 
surgeries, industrial units, retail units 
and mixed use properties
  • Investment properties let on short leases can be considered
  • Available to trading businesses (owner occupied) and commercial investment
  • Up to 75% loan to value and potentially 100% with additional security
  • Loan terms from 1 day to 23 months
  • Loans from £50k with no defined maximum loan
  • Adverse credit can be considered
  • Fast and flexible funding options
  • Pre planning acquisition
  • Can be secured against investment and owner occupied property – residential, commercial and land
  • Refurbishment
  • Post development capital raising
  • Short term cash flow chain break
  • Allows you to keep your first mortgage in place
  • Second charge mortgages can be used to raise money for a wide variety of purposes
  • Self employed applicants considered
  • Interest only and repayment options
  • Low early redemption fees
  • Loans for business purposes considered
  • Unusual and complex income structures can be considered
  • First time buyer
  • Non-standard properties considered
  • Home mover mortgages
  • Remortgages
  • We search the market to find you the best product to suit your needs and requirements