What funding looks like across the schemes we work on.

The brief: Plot already owned, planning consented, developer funding the build from a mix of savings and equity release.

The structure: Single stage-drawdown facility covering build costs against a QS-verified schedule, with a residential mortgage exit agreed in principle before drawdown.

The outcome: Indicative terms returned within 24 hours; three routes compared before selection.

The brief: Second scheme for the developer, land under option, tight equity position requiring higher leverage.

The structure: Stretch senior facility funding land and build in one first charge, avoiding a second lender and the associated intercreditor negotiation.

The outcome: Structure compared against senior plus mezzanine; stretch senior won on all-in cost and speed to legals.

The brief: Experienced developer recycling equity across three concurrent sites, needing to limit cash committed to any one scheme.

The structure: Senior debt at 70% of cost with a mezzanine tranche behind it, sized to release equity for the parallel schemes.

The outcome: Funder-ready appraisal used at credit committee; pricing improved after cost evidence was strengthened.

The brief: Contracted disposal to a registered provider on practical completion, removing open-market sales risk.

The structure: Senior facility priced at the sharp end of the market on the strength of the guaranteed exit, with drawdowns matched to the build programme.

The outcome: Evidenced exit used to drive competitive tension between three lenders on margin and exit fee.

The brief: Unmortgageable Victorian property bought at auction with a 28-day completion deadline, requiring full refurbishment and conversion into three flats.

The structure: Bridging facility funding the purchase with works drawn in stages against surveyor sign-off, sized on end value rather than current condition.

The outcome: Completed inside the auction deadline; exit to a portfolio investment facility agreed before practical completion.

The brief: Site secured ahead of a planning determination, with the developer needing certainty that development funding would follow on consent.

The structure: Land bridge against current value, with a development facility pre-agreed at the same time to roll on once planning uplift was obtained. Title split structured so sections could be sold to reduce gearing.

The outcome: Two lenders competed on the combined bridge-plus-development package rather than the bridge alone.

The brief: Development facility approaching term with six units unsold and the developer unwilling to discount to hit a deadline.

The structure: Development exit bridge repaying the senior lender at practical completion, with a portfolio buy-to-let facility on the retained units and equity released into the next acquisition.

The outcome: Holding cost cut materially and remaining units sold at full asking price over the following seven months.