Commercial constrcution site with development underway

Development Finance

We are a development finance broker that offers solutions on residential and commercial assets for individuals and a variety of ownership structures. We are able to procure funding up to 90% LTC / 75% LTGDV (lower there of).

Funding is available from £500k.

Development Finance Funding Solutions

80% of completed project value

PBSA specialist

Ground Up Development Finance

Permitted Development Finance

Refurbishment Finance

No Personal Guarantee option (full/Ltd)

Development Exit Finance 

Land Mortgages

Pre Construction Loans

Structured Property Finance

Joint Venture/100% Funding

Mezzanine Finance

A Tailored Approach

We understand that every development project is unique.  We take the time to fully understand your particular project and source a funding package that is right for your needs.  Whether its regular senior debt funding, stretched senior funding, mezzanine finance or Joint Venture (JV) funding we are able to source the best funding solution.

Types of Development Projects

As a specialist development finance broker we offer extensive experience in sourcing market leading commercial finance solutions across both residential and commercial asset classes.  Whether it is a ground up development, permitted development, refurbishment project or development exit required, we commit to offering thorough due diligence in order to obtain a successful application with the best lender for you.

A PBSA Specialist

We are a leading UK broker for Purpose Built Student Accommodation (PBSA) schemes.  Our deep understanding of these specific development schemes coupled with our relationship with specialised lenders ensures that you can secure the best funding terms available.  For more information visit our PBSA Finance section here

Case Studies

Agricultural property development with planning permission for a residential development
Development

90% LTC with no PG's

We were approached by a potential client, who found us on Google, who was looking to acquire an agricultural building with consent to convert into three family dwellings.  The client had been let down by the previous two lenders, to whom an application was made, following the introduction by his then current broker.  MontpelierPF stepped in and having fully assessed the clients wants and needs, it became evident that any potential lender who’d ask for a limited/full personal guarantee, simply wouldn’t achieve the comfort required.   We therefore focussed our efforts on a lender who offered the 90% loan to cost sought and equally as important, one who did not have a requirement for a personal guarantee.  

Street in London with semi commercial properties.
Development

HMO Refurbishment

Our repeat specialist HMO developer clients returned to Montpelier Private Finance, seeking funding to acquire a 3 bed Victorian mid terrace in South East London. Their plan was carry out a loft conversion and a complete internal reconfiguration, so as to achieve a 6 person HMO, all with en-suites.  

 

The challenge faced was that the proposed HMO was not in an area where there’s an existing proven market for such an asset class.  

 

Facility provided: Utilising a well established relationship with a specialist can-do approach funder, Montpelier Private Finance was able to present a robust rationale for lending.  Pricing achieved being a 2% lender facility fee, 0.79% per month, 15 month term and no exit fee

Purpose built student accommodation. Bedroom with books laid by the side of the bed.
PBSA Development

90% LTC

MontpelierPF prides itself in being at the forefront of the PBSA debt finance market.  In light of the stretched senior market all but disappearing overnight when Covid19 hit, we had been working closely with senior and mezz lenders, so as to ensure we can still look to achieve the gearing that was being achieved back in 2019.  90% loan to cost, equating to just over £20m, for a consented PBSA studio scheme in Edinburgh, was procured for our client. 

 

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Welding on a property construction site

Development Finance Explained

Want to learn more about development finance?

If you are new to development finance and want learn more about how to procure finance visit our 'Development Finance Explained' page.  Areas covered include:

  • The different sources of development finance

  • The criteria lenders use in making a decision

  • What a development loan is comprised of

  • The documentation required for a development loan

Metal work on a property construction site