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Services We Offer


Refurbishment Loans

We work with a large number of Refurb Finance Lenders.

We can assist with Refurb Finance for projects that require either a light refurb or a heavy refurb, anywhere from decoration to extensions.

A Refurbishment loan can typically take 4-8 weeks to set up. This is fully dependent on how quickly valuers, solicitors and surveyors are working.

The panel of Lenders can potentially lend up to 75% of current Market Value and 100% of Refurb costs. Interest rates will vary depending on loan size, leverage required and your experience

Commercial Mortgages

We have access to Lenders that can cover mortgages on Houses of Multiple Occupation (HMO), Serviced Accommodation, Commercial Premises and Portfolio Refinancing.

A Commercial Mortgage can typically take 6-10 weeks to set up.

We can assist in nearly all cases, even when you may not be able to prove income or experience.

Bridging Finance

Working with a large number of bridging loan Lenders, we can assist with Bridging Loans for Residential Purchases, Commercial Purchases, Auctions and Land with or without planning.

A Bridging loan can typically take 2 - 8 weeks. This is fully dependent on how quickly valuers, solicitors and surveyors are working.

The panel of Lenders can lend up to 75% of the market value, with the interest rate dependant on loan size, leverage and location

Development Finance

Development Finance can cover New Build Developments, Commercial Conversions and Refurbs.

Development Finance can typically take 6-10 weeks to set up. This is fully dependent on how quickly valuers, solicitors and surveyors are working.

Development Finance can come in the form of Senior Debt, Stretched Senior Debt and Mezzanine Finance. With up to 75% Loan to GDV (Gross Development Value) available.

We have Lenders that will provide up to 100% of costs, including both the purchase and build costs, subject to you providing additional security in the form of equity in other properties.

We also have Lenders that will lend 100% of costs on a JV profit share basis, as long as the deal fits their criteria

Development Exit

This is essentially a Bridging Loan that will replace your existing funding, allowing you to repay your current Development Finance, as well as allowing you to raise equity to invest in other projects. It can also give you time to sell or refinance the properties if you have run out of time on the current facility. This means you can avoid penalty interest with your current Lender

You can also use Development Exit as a ‘fund and finish’ style product. This allows you to finish works if you have run out of time on your current facility, or if you have run out of money on the current facility. The properties will often need to be wind and watertight before you can look at these products.

Development Exit can typically take 2 - 8 weeks to set up.


To enquire about any of our services please get in touch - enquiries@thepropertyfinancecollective.co.uk


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Written by Rebecca Skellett, Case Administrator


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