Build it
Build it
Development finance
Ground-up, conversion and part-built schemes, from site purchase to exit.
See all →Development finance
Which cap binds, loan to cost or loan to GDV, and the real day-one equity.
Build to Rent development
Underwritten on stabilised yield and DSCR, not sales rate.
Mezzanine and stretched senior
The gap between senior LTC and what you can fund, and the true blended cost.
Heavy refurbishment and conversion
Where refurbishment stops being a bridge: structure, change of use, drawdowns.
Part-built and rescue finance
Valuing an unfinished asset when the contractor has gone.
Bridge it
Bridge it
Bridging finance
Short-term debt where the deadline, the asset or the exit will not wait.
See all →Purchase bridge
Completing before the money is in place: chain breaks, tight deadlines, unmortgageable stock.
Development exit finance
Off development debt at a lower rate, to buy sales time and release equity.
Auction finance
A 28-day clock, and what must be in place before the hammer falls.
Pre-planning and planning gain
Lending against current value with planning upside.
Below market value purchase
Day-one lending against open market value rather than price.
Second charge and capital raising
Raising against existing assets, and first-charge consent.
Light refurbishment finance
Bridge plus refurb tranche, and where the development boundary sits.
Also structuredBridge to let and refinance
Hold it
Hold it
Mortgages and term finance
Long-term debt against income, once the asset is built, let or trading.
See all →Buy to let mortgages
ICR stress testing, limited company against personal, portfolio rules.
HMO mortgages
A higher cover test, licensing, and the two valuations a lender takes the lower of.
Commercial term, investment
Tenant covenant and lease term, and why DSCR sets the loan.
Commercial term, owner-occupier
Trading accounts and EBITDA rather than rent roll.
Portfolio refinance
Cross-collateralisation, and one facility against individual loans.
Stabilisation and term refinance
The income test replacing the GDV test, and the letting void before term debt engages.
Co-living and PBSA
An operational asset valued on income, and the operator covenant.
Run it
Run it
Business finance
Funding the business behind the property, secured on the ledger, the equipment or the covenant.
See all →How we work
Case studies
Articles
Tools
Development finance calculator
Size the facility against site cost, build cost and GDV.
Development exit calculator
Refinance the development facility and release equity at PC.
Bridging finance calculator
What a bridge costs, and what actually clears on day one.
Refurbishment finance calculator
Fund the purchase and 100% of the works, with interest rolled to exit.
BTL rental cover calculator
The rent a buy to let must achieve to clear a lender's cover test.
Commercial mortgage calculator
What a commercial property's income will support, and what it costs.
About
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Articles by Matt
Bridging Finance
How Bridging Works: Term, Interest and the Exit
How a bridging loan works for property investors and developers: what it lends against, how the interest is handled, and why the exit is the underwrite.
5 min read
Bridging Finance
How to Finance a Development Site Acquisition
Planning and timeline determine how you fund a development site acquisition. Here's when to bridge, when to go direct, and how to structure it.
5 min read
Bridging Finance
Below Market Value Bridging Finance: What the Headline LTV Doesn’t Tell You
How specialist lenders calculate BMV bridging loans, and how to move fast enough to secure the deal before the opportunity closes.
5 min read
Development Finance
Finish and Exit Finance: What If Your Loan Runs Out Before the Build Is Done?
Your development loan is expiring and the build isn't done? Finish and exit finance fills the gap. Here's how it works and what triggers it.
6 min read
Development Finance
Refinancing Mid-Build: Why, When, and How?
If you need to refinance mid-build what do you do? We look at when and how to execute a refinance on a partially complete development.
6 min read
Processes & Legal
The Legal Side of Development Finance: Every Developer Must Know
Development finance legal explained. What happens after credit-backed terms, why deals stall, and how to avoid delays. A developer's guide.
7 min read
Development Finance
Regulated vs Unregulated Bridging Finance for Property Developers
We break down the difference between regulated and unregulated bridging and what SME developers need to know about both.
8 min read
Bridging Finance
When Does Bridging Finance Beat Traditional Property Loans?
Bridging finance isn't always expensive. Understand when short-term rates beat mortgages, development finance, and BTL loans for property projects.
4 min read
Got a scheme rather than a question?
Send the site, the numbers and the programme. We will tell you what is fundable and what needs work first.
Specialist property finance for developers who want the numbers to survive underwriting.
020 4572 4266LinkedInFundingwise Limited is not authorised or regulated by the Financial Conduct Authority, and arranges unregulated finance only. That means lending secured against commercial property, or against residential property that is not, and will not be, occupied by the borrower or an immediate family member as a main residence. We do not advise on or arrange regulated mortgage contracts or regulated bridging loans. Because this finance is unregulated, FCA conduct rules and access to the Financial Ombudsman Service do not apply. Fundingwise Limited is registered in England and Wales, company number 13750788.