Specialist Property Finance
020 3773 5458
£500k+
Loans from £500k to £20m+
£225m+
Funding secured since 2020
~90%+
Project completion rate
163+
Projects completed since 2020
Advisory Support for Complex and Non-Standard Property Projects
Funding Wise provides specialist property finance advisory support for projects that fall outside standard lending criteria.
We work with developers and property professionals to analyse complexity, position risk clearly, and manage the funding process through valuation, legal stages, and completion — ensuring that non-standard projects are assessed properly rather than dismissed prematurely.
When You Need Specialist Finance Advice
Mixed-Use Developments
Mixed-use developments with residential and commercial elements
HMOs & Multi-Let
Houses of multiple occupation and multi-let assets, including heavy refurbishment
Commercial Conversions
Commercial-to-residential and other change-of-use conversions
Listed Buildings & Barns
Grade I/II/II* listed buildings, barn conversions, and conservation-constrained assets properties.
Purpose-Built Student Accommodation (PBSA)
Student housing developments. Institutional or private.
Pre-Planning & Land
Pre-planning and strategic land acquisitions.
Auction Purchases with Complications
Auction purchases with legal or structural complexity.
Properties with Title Issues
Properties with title issues, short leases, or restrictive covenants.
Our Approach To Specialist Property Finance
Specialist funding challenges are rarely about whether a project is viable — they are about how risk is presented, understood, and managed.
020 3773 5458
We take the time to identify the genuine issues within a scheme, distinguish them from perceived risk, and build clear, lender-ready narratives that specialist funders can assess properly.
Our role is to translate complexity into clarity, engage lenders who understand the asset type, and manage the process through due diligence, valuation, and legal review to maintain momentum.
Specialist Funding Structures We Advise On
Depending on the project, we advise on a range of specialist funding approaches and our advice is always grounded in realism and deliverability, not optimism.
020 3773 5458
Senior Specialist Lending
for non-standard assets
Junior or Mezzanine Layers
for complex sites or when equity is constrained.
Short-term specialist finance
for when transitioning to longer-term funding
Staged or phased facilities
aligned to delivery and planning outcomes
Why Clients Use Funding Wise for Specialist Projects
- We assess complexity honestly and early
- We work with lenders who genuinely understand specialist assets
- We prepare risk narratives that support informed credit decisions
- We remain actively involved through valuation, legals, and completion
- We provide clear guidance where a project is not fundable — and why
Case Studies
What makes a project "specialist"?
Anything that doesn’t fit standard mortgage or development finance criteria. Mixed-use, HMOs, listed buildings, pre-planning purchases, commercial conversions, title issues, odd tenancies, or assets that need explaining.
Are specialist finance rates higher?
Usually, yes — but not always prohibitively. It depends on the specific wrinkles, the risk factors, and exit strength.
Can I get specialist finance with no experience?
Difficult but not impossible. Lenders want to see relevant experience (e.g., HMO portfolio if funding HMO development).
First-timers often need JV partners or smaller starter projects to prove capability.
What's the maximum LTV for specialist finance?
Typically 65-75% depending on asset type and exit. HMOs and mixed-use often max at 70%. Listed buildings might stretch to 75% with strong exit. Pre-planning land rarely exceeds 60%.
Can you fund projects high street lenders rejected?
Often, yes. We work with specialist lenders who assess deals based on opportunity and exit, not standard mortgage criteria. That said, “rejected” doesn’t automatically mean the project is “fundable elsewhere”. We’ll review your project specifics and tell you honestly if the fundamentals don’t work.