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Understand the project
The property, purpose, figures and deadline, including anything that makes the case more complex.
MOVA / Commercial & property finance
Buying business premises, investing in property or planning a development? Talk through the project, the figures and the finance routes that may suit.
Initial conversation at no cost No pressure to proceed
Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Explore the possibilities
Choose an area to see what it involves and what we’ll need to discuss. The property and the proposal determine which routes are worth exploring.
A commercial mortgage may help you buy business premises or refinance a property you already own. The lender assesses the property and how the borrowing will be supported.
The property, its use, price or value, your available contribution and the borrowing required.
Your business trading position, income and commitments, or the tenancy and rental income for an investment property.
Consider repayments, fees, security and any guarantees alongside your business cash flow.
A bridging loan may be considered for an auction purchase, a property needing works, or a gap before sale or refinance. It needs a credible plan for repayment within the agreed term.
The security property, purchase or refinance figures, any existing debt, your contribution and the deadline.
The proposed exit, what needs to happen before it can take place, and a contingency if a sale or refinance is delayed.
Bridging can be more expensive than longer-term borrowing. Interest and fees affect the overall cost and may reduce the cash released. A fast completion is not guaranteed.
Development finance may support a build, conversion or substantial refurbishment. The project, permissions, cost plan and intended sale or refinance all form part of the assessment.
The site, planning position, scope of works, estimated costs, available funds and expected completed value.
Your experience, professional team, build programme and contingency. Funding may be drawn in stages against agreed conditions.
Delays, higher costs or a lower completed value can change the position. An overall budget alone does not show cash needed at each stage.
Explore borrowing to purchase or refinance an investment property. The route depends on the property, ownership structure, letting arrangements and your circumstances.
The property type and use, price or value, rental details, deposit or equity and existing borrowing.
How the property is held, your experience and any other properties or commitments relevant to the proposal.
Allow for running costs and periods without rent. Rental income and property values are not guaranteed.
Availability and terms depend on assessment. Some commercial mortgages and some forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority. We’ll explain the position for your enquiry.
Free project budget planner
Explore a purchase budget and the gap after your own cash contribution. Then see what a rise in works costs would change. No sign-up needed.
Purchase and works scenario
Allow for relevant purchase taxes, legal and professional costs, VAT and contingencies. This tool does not calculate these for you.
Use cash you could put into this project. Property equity is not automatically available cash.
Base costs = purchase price + works + other costs. The gap is base costs minus your cash, with a minimum of zero. The alternative scenario changes only the works budget by the selected percentage. Finance fees and interest are excluded. It does not model tax, staged drawdowns, lender valuations, existing debt or refinance proceeds. It is intended for a new purchase budget, not a refinance calculation.
Base funding gap — before finance costs
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If works cost 10% more
A budget gap is not an available loan amount. Finance costs may increase the amount needed. Lender limits and cash timing require separate assessment.
Figures stay on this page until you choose to include a snapshot in an enquiry. This is not a finance quote.
Illustration only. No rate, maximum borrowing, loan-to-value, eligibility or lending decision is provided. For a refinance or a project already under way, speak to Steven about the existing debt and available equity.
Especially for short-term finance
A bridging or development proposal needs more than a target completion date. Click a repayment route to see the questions worth discussing.
Changes to timescales, property values or costs can affect your exit. Bridging can be more expensive than longer-term borrowing.
A conversation that moves things forward
You don’t need a finished funding proposal to get in touch. Start with what you know, and Steven will help clarify the information and next steps.
The property, purpose, figures and deadline, including anything that makes the case more complex.
Discuss the finance options, costs and conditions, and whether specialist input is needed.
Understand the information required and how the application will progress. Any lender decision remains subject to assessment.
Before you take the next step
From deposits to deadlines, start with the questions that matter to your project.
It depends on the property, lender and proposal. A lender may assess its own valuation, the costs, your contribution and how the finance will be repaid. The project planner shows a budget gap; it does not establish the deposit a lender will accept.
Tell us the auction date, completion deadline and property details as early as possible. A lender still needs to assess the proposal, valuation and legal work. Do not assume finance will be ready by a deadline or commit on the basis of this page.
Yes. We can discuss your plans and the relevant information. Experience requirements vary by lender and project; an initial conversation is not confirmation that funding will be available.
Some structures deduct or retain interest and fees, and some release funds in stages. That can leave less immediately available than the headline facility. We’ll discuss the cash needed, the costs and the proposed repayment amount when reviewing terms.
No blanket assumption should be made. Regulatory status depends on the borrower, security, property use and transaction. Some commercial mortgages and some forms of buy-to-let mortgage are not FCA regulated; other borrowing can fall within a regulated framework. We’ll clarify the position for your enquiry.
The initial conversation is at no cost. Commercial and specialist finance fees and charges vary by transaction and provider. Any applicable advice or broker fee will be explained and agreed before you proceed.
The property or site details, price or value, any existing debt, available cash or equity, expected works and key dates are a useful starting point. Include how you intend to repay the borrowing. We’ll explain any further information needed.
Explore your next step
Start with your plans
Tell Steven what you’re aiming to do, the figures you have and the timing you’re working towards.
Your property may be repossessed if you do not keep up repayments on a mortgage or other debt secured on it.
Finance is subject to assessment, lender criteria and terms. Some commercial mortgages and some forms of buy-to-let mortgage are not regulated by the Financial Conduct Authority. Fees and charges vary and will be explained where relevant.