Link the build programme to the funding programme
Site acquisition, enabling works and construction do not necessarily receive funds at the same time. We review contractor terms, professional fees and monitoring requirements alongside the facility. The borrower's cash contribution must be available when required.
How I approach the case
We begin with what you want to achieve, your timescale and any part of the case that needs explaining. I review the evidence and suitable lender routes, then explain the available options and their costs. A recommendation follows the individual assessment; an initial conversation does not commit you to an application.
Where legal, tax or other specialist advice is needed, we identify it early so the finance fits the wider transaction. Tell me about any change in employment, borrowing, deposit or property details before proceeding.
What to prepare
- Site and planning documents
- Detailed appraisal and programme
- Contractor and professional team
- Evidence of equity and contingency
You do not need every document before saying hello. Start with a short outline; detailed or sensitive records should follow through an agreed secure route.
A facility limit is not the same as day-one cash. Planning conditions or surveyor requirements can delay drawdowns.
Your questions, answered
What makes a commercial or development brief useful?
Bring the property details, the borrowing purpose, the proposed repayment or exit and the evidence supporting the project. Depending on the case, this may include trading accounts, leases, planning information, an appraisal or a cost schedule. Identify gaps and decisions still outstanding.
How do you compare facilities beyond the interest rate?
Look at the funds available, repayment structure, term, fees, security, guarantees and conditions together. For staged funding, the timing and conditions of each drawdown matter to cash flow. A facility must fit the actual business or project rather than just an initial headline figure.
Who handles the legal, valuation and project work?
The relevant appointed professionals remain responsible for their own work. We identify which reports or legal input the lender needs and how those tasks affect the timetable. Mortgage or finance discussions do not replace legal, tax, surveying or project-monitoring advice.
Larger loans & individual properties£1m+ borrowing, substantial homes & landOpen the group to explore the loan, property and project pages relevant to your plans.8 routes +
- £1m+ mortgagesLarger purchases, refinancing and the evidence behind the borrowing.↗
- Large homes & country estatesSubstantial houses, outbuildings, annexes and the wider estate.↗
- Complex property typesListed homes, unusual construction, conversions and multiple titles.↗
- Land, acreage & sitesSeparate land purchases, planning, access and the proposed exit.↗
- Mixed-use propertyA property combining residential, business or rental uses.↗
- Development financeLand acquisition, construction, funding stages and project exit.↗
- High-net-worth mortgagesIncome, assets, liabilities and available liquidity.↗
- UHNW mortgagesSubstantial wealth, ownership structures and international circumstances.↗
Further reading: MoneyHelper: mortgages and homebuying. Content reviewed 9 September 2026. General information; availability depends on the individual case.