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ANY PROPERTY USED AS SECURITY, INCLUDING YOUR HOME, MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY OTHER DEBT SECURED ON IT.

OUR COMMERCIAL MORTGAGES ARE NOT REGULATED BY THE FINANCIAL CONDUCT AUTHORITY OR THE PRUDENTIAL REGULATION AUTHORITY.

Property Development Finance

Building your property ambitions with support across a wide range of projects

It’s an understatement to say that the USA needs more property. With a closely managed process from start to finish, our experienced team is on hand to support you with an innovative range of products for established developers purchasing assets for residential and mixed-use schemes.

Tell us about your circumstances

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Business Moneyfacts “Best Commercial Mortgage Provider
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Heavy refurbishment projects
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Ground up development

Refurb or new build

  • Heavy refurbishment
    Where you are looking to make changes to the use or the size of an existing building.

    This can be via permitted development which allows for the conversion of a commercial property such as an office into residential flats, or where planning is obtained to allow for an extension (e.g. to the roof, or for a basement ‘dig out’).

  • Ground up
    Where you are looking to purchase land, or demolish an existing building and replace with a residential or mixed-use scheme. (Please note that in these scenarios, the “land” will need to have the required planning approved)
Refurb or new build

Our commercial mortgage benefits

A unique approach

  • New build developments or refurbishment projects
  • Minimum loan size $2.5m
  • Maximum loan size $25m
  • Minimum single property value $150,000
  • Maximum single property value $1.5m – higher values can be considered on a case by case basis
  • Maximum gearing at the lower of 80% of total costs, or 65% of the gross development value
  • Borrower’s contribution to be injected into the purchase costs with the Bank funding the difference and 100% of the build and finance costs
Key features

Looking for a personal mortgage?

In addition to business property finance, we offer an innovative range of residential mortgage products. If that’s what you’re looking for, please visit our personal mortgage pages.


Second charge mortgages (secured loans)

Bridging finance

Looking for a personal mortgage?

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