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
Enquire now
Articles by Ollie
Processes & Legal
HMO Licences and Article 4: What Lenders Check
Licensing and planning are two separate permissions for an HMO, a licence does not pass to a buyer, and a lender checks both before it completes.
5 min read
Industry Insights
PBSA and Co-Living: How Lenders Value Them
Student accommodation and co-living are valued on net operating income, not price per square foot, and the operator is underwritten alongside the building.
5 min read
Development Finance
How to Fund a Build to Rent Development Finance Scheme
Build to rent development finance works differently from build to sell. We explore how the facility is structured and how lenders assess the exit.
7 min read
Bridging Finance
What is Heavy Refurbishment Finance and When Does it Become More Than a Refurb?
Heavy refurbishment finance funds structural works, extensions, change of use, and major conversions. Here's how it works and when it becomes development finance.
8 min read
Development Finance
Refurbishment Bridging Finance: Light, Medium and Heavy
Most lenders offer refurbishment bridging. Far fewer can actually deliver it. This guide explains what separates light, medium and heavy refurb.
6 min read
Development Finance
Bridging Finance for Property Development: The Complete Guide
Our guide to bridging loans for property development explores one of the most useful and most misapplied tools in a developer's funding armoury.
10 min read
Industry Insights
Development Finance Market: 2026 Review & Predictions
Development finance market rates have eased and lender appetite is stable. Here's what property developers need to know in 2026.
6 min read
Industry Insights
UK Property Market Cycles: 2026 Outlook
UK property markets move in cycles. Learn what drives transaction volumes, new build supply, and when SME developers can gain market share.
6 min read
Specialist Finance
Developers Guide to Modern Methods of Construction (MMC)
Modern Methods of Construction promise speed and efficiency, but aren't always the best solution. We explore when MMC methods work and how they affect funding.
5 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.