This facility is suited to:

• Experienced property investors and developers

• Projects involving refurbishment or value enhancement

• Borrowers with a clear scope of works and defined exit strategy

• Pragmatic underwriting that considers deliverability

• Comfort with structural works where risk is understood

• Clear drawdown structures aligned to progress

• Direct access to the credit team throughout the transaction

• Light, medium, and structural refurbishments

• Value-add projects prior to refinance or sale

• Reconfiguration or improvement works

• Change-of-use scenarios (where appropriate)

• Residential

• Semi-commercial

• Commercial

  We take a practical view on asset quality, local market dynamics, and exit viability.

• First time investors considered

• Loan sizes from £50,000

• Up to 75% LTV

• Up to 65% LTGDV

• UK-based security

• Structural refurbishment considered

• First charge lending

Pricing and structure are determined by risk profile, complexity, and execution requirements.

Where works are involved, funding is typically structured to support delivery through staged drawdowns. These are aligned to:

• Agreed scope of works

• Realistic timelines

• Professional oversight where required

Our objective is to maintain momentum while managing risk sensibly.

1. Initial discussion or submission

2. Review of scope, structure, and exit

3. Indicative terms issued

4. Valuation, due diligence, and legals

5. Completion and drawdown(s)

Clear communication is maintained throughout.