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Speak to Jack ↗
The opportunity. The funding. The exit.

Specialist property finance

Bridging, commercial and development finance for property investors and business owners. Bring the property, timing, works and repayment plan into one conversation.

Discuss my project ↗Explore services ↓

Speak directly with Jack · 07456 935677

Felt illustration of Jack at work
A situation like yours?

Detailed illustrative scenarios to help you prepare. These are not completed cases or offers of finance.

Explore all 38 detailed scenarios ↗

Find your starting point

Services, clearly organised.

Open the group closest to your plans, then choose a service for the detail and next steps.

Buy-to-let, specialist lets and portfolios

Property investmentBuy-to-let, specialist lets and portfoliosChoose the ownership, property and letting route first; then assess rent, costs, portfolio exposure and the longer-term plan.View 9 services

Bridging, auctions and refurbishment

Short-term property fundingBridging, auctions and refurbishmentThe deadline, net funds, works and evidence for repaying the facility are the centre of the conversation.View 7 services

Commercial and development finance

Business and projectsCommercial and development financeMatch the property, borrower, cash flow, build programme and exit to the type of facility being considered.View 8 services
Larger loans & individual properties£1m+ borrowing, substantial homes & landOpen the group to explore the loan, property and project pages relevant to your plans.View 10 routes
The property project navigator

One project.
Every important stage.

Choose a project and explore the questions from opportunity to exit. Use it to prepare a brief for Jack, not to assess eligibility.

Bridging brief

A time-sensitive property plan

Establish the deadline, net funds and credible route to repayment.

Bridging · 01 / 03

Start with the property and the deadline.

Bring the address, purchase or refinance purpose, ownership and the actual completion deadline into the same brief.

Auction & time-sensitive purchases ↗
Bridging · 02 / 03

Separate the headline facility from usable funds.

Ask which fees, interest and costs are deducted or paid separately, and when the net funds would be available.

Understand bridging costs ↗
Bridging · 03 / 03

Evidence how the borrowing would end.

A proposed sale or refinance needs a realistic timetable, supporting evidence and a plan for delays.

Refinancing a bridge ↗
Refurbishment brief

Turn the scope of works into a clear brief

Connect the property today with the works, budget and intended use.

Refurbishment · 01 / 03

What changes, and what stays?

Separate repairs, structural works and a change of use. Bring the scope, planning position and contractor information.

Refurbishment finance ↗
Refurbishment · 02 / 03

Show how the work and cash flow connect.

Identify the order of works, payment schedule, available funds and what would happen if costs or dates change.

Property needing work ↗
Refurbishment · 03 / 03

Plan for the finished property.

Explain whether the plan is to let, sell or refinance, with the documents and completion conditions the next lender may need.

Long-term letting finance ↗
Commercial brief

The building and the business behind it

Start with the actual use, borrower and source of repayments.

Commercial · 01 / 03

Who occupies the property?

Distinguish owner-occupied business premises, an investment let and mixed residential-commercial use.

Mixed-use property ↗
Commercial · 02 / 03

Make the income and obligations clear.

The brief may need trading accounts, lease details, tenant information and the wider borrowing position.

Commercial investment ↗
Commercial · 03 / 03

Review the facility alongside the plan.

Discuss costs, security, repayment approach and the business or property timetable before committing.

Owner-occupied commercial ↗
Development brief

From site control to the final exit

Bring the planning, appraisal, build programme and exit into one view.

Development · 01 / 04

Establish the site and planning position.

Explain ownership or acquisition terms, the proposed scheme, permissions and the key conditions or deadlines.

Ground-up development ↗
Development · 02 / 04

Show the costs and equity timeline.

The appraisal should cover land, build costs, professional fees, finance costs, contingency and when funds are needed.

Prepare a development brief ↗
Development · 03 / 04

Match the programme to the cash requirement.

Understand monitoring, release conditions and costs due before a drawdown. Allow for work taking longer or costing more.

Development finance ↗
Development · 04 / 04

Connect completion with sale or refinance.

Bring sales evidence, completion assumptions, warranties and the proposed exit timetable into the initial conversation.

Development exit finance ↗
Turn the questions into a conversation

Discuss your property project.

Open a draft with your chosen project and stage. Review it and add your outline before pressing Send.

Prepare my WhatsApp brief ↗

Finance is subject to individual assessment. Some bridging, commercial and development finance is not regulated by the FCA; the position depends on the transaction. Your property may be repossessed if you do not keep up repayments.

Let’s make your next move clearer.

Tell me what you want to do. I’ll help you understand the next step.

Start a conversation ↗
GCC & UK connections

Planning from overseas?

These detailed guides address the additional questions around country, currency, ownership and UK project delivery.

Property Finance

Large UK mortgages for GCC residents

Prepare for a £1m+ UK mortgage from Kuwait, the UAE, Saudi Arabia, Qatar, Bahrain or Oman. Start with the property, income and repayment plan, then assess the available lending route.

Explore the guide Property Finance

UK bridging finance for GCC investors

A short completion window needs a well-evidenced plan. For GCC-based buyers and property investors, start with usable funds, security, total cost and a credible route to repayment.

Explore the guide Property Finance

UK development finance for overseas investors

A UK development needs a credible delivery plan as well as funding. For GCC and other overseas sponsors, connect the site, planning, costs, equity and professional team before seeking terms.

Explore the guide
GCC consultancy overview →Download a one-page guide ↓
Prepare your next conversation

Practical planning checklists

Focused questions and preparation steps for your next decision.

Property planning

Buying to renovate: organise the budget

Create a practical purchase-and-works budget before choosing how to fund a renovation.

Read the checklist Development preparation

Development contingency & cash-flow checklist

Make cost uncertainty, payment timing and funding dependencies visible in your development plan.

Read the checklist
Follow the property project

From opportunity
to a credible exit.

Land, works and the finished property have different funding questions. Scroll across the project or jump to a stage.

Illustrative felt Jack beside a miniature plot, refurbishment, construction site and finished mixed-use building
Illustrative property model
01 / 04

Establish what is being financed.

Start with the title, existing use, planning position and the cash needed at completion. A promising site and a financeable transaction are different assessments. Confirm the facts before relying on an indicative funding discussion.

Explore land and bridging ↗
02 / 04

Make the scope and cash timing visible.

A schedule of works should show costs, permissions, contractors and contingency. Ask when equity is needed and when any agreed lending can be drawn. A funding gap between stages can affect the whole programme.

Explore refurbishment finance ↗
03 / 04

Connect progress with each release.

Development finance can involve staged funding, monitoring and conditions for drawdowns. The appraisal, professional team and build timetable need to tell the same story, including what happens if costs rise or completion moves.

Explore development finance ↗
04 / 04

Plan repayment before the project starts.

A sale needs a realistic timetable. A refinance needs a credible long-term lending route and the evidence to support it. Build in the possibility of delay; a projected end value or future lender response is not guaranteed.

Explore development exits ↗

What are you planning?

Start with the property, your timescale and the funding you want to discuss.

Discuss the plan ↗