Property Finance

Meet The Team

Dedicated team of Property Finance Experts

Our specialist property finance team is led by Dave Chapman who has over 35 years of experience in the property finance industry. Dave has headed up our property team for the past 15 years having previously lead teams for Bank of Ireland and Royal Bank of Scotland. 

The property finance team can help with any financial needs that a range of businesses might have. This includes commercial mortgages, property development and bridging loans. 

What is Property Finance?

Whether it’s a commercial mortgage or property development finance, we have the ability to help you with your property finance.

If you’re a first-time developer, we have a specialist property team that will be able to walk through the process with you.

And if you’re an experienced portfolio owner, we have members of the team who have been in the property finance arena for over 25 years.

We can also arrange other products such as bridging loans and unsecured loans, or look at other options like restructuring existing finance agreements to unlock cash for your business.

Some of the property finance options

We offer a range of property finance solutions, including:

Property development - We arrange loans typically ranging from £100k to £50m, up to 70% loan to GDV and over 90% loan to cost. The specifics depend on the sector.

Commercial mortgages - We can secure mortgages for up to 80% of either the purchase price or the property's valuation on a vacant possession basis, whichever is lower. The exact figure is determined upon contact.

Buy-to-let mortgages - Whether you're a seasoned property portfolio landlord or a first-time investor, we can assist with buy-to-let mortgages using our diverse panel of funders.

Bridging finance - Working with a large panel of funders to secure funding we can help with conventional unregulated bridging transactions through to the far more speculative cases we are often presented with.

We support scenarios such as land acquisitions, developer exits, refurbishment finance, valuation-only funding, and more. We prioritize flexibility and speed, offering options for remote communication or face-to-face meetings.

How does property finance work?

We work with you and the lender of choice to determine the required loan amount, with the lender specifying the terms and conditions. Following your acceptance of the terms and conditions, you will get the full amount and typically make monthly repayments with interest for the specified period of time.

Why your business might require property finance?

Property development - The loans we can arrange are typically between £100k and £50m, up to 70% loan to GDV and upwards of 90% loan to cost:

• Clients with minimal experience through to vastly experienced teams
• Projects where planning gain forms all of the client contribution
• Joint ventures and investor-led developments
• Schemes where stretch senior or mezzanine finance are required
• Purchase of partly completed schemes
• Group & SPV structures through to simple limited companies or partnerships

Commercial mortgages - the typical scenarios and property types we can arrange funding for use loans between £25k and £25m. They include:

• Owner-occupied trading premises
• OpCo/PropCo transactions
• Offices, warehouses and industrial premises
• Nursing/Care Homes and nurseries
• Pubs, clubs, hotels, restaurant and cafes or other licensed premises
• Leisure facilities – health clubs, gyms and leisure parks
• Agriculture - linked loans for farms, equestrian and agricultural units
• Investment portfolios of buy-to-let mortgages and portfolio consolidation/equity release
• Investment in high street retail premises, semi-commercial properties and take-aways -subject to provision of a suitable lease between landlord and tenant
• Pension fund purchases of commercial premises

Buy-to-let mortgages - Below are a number of property types or scenarios where we can look to support businesses:

• Single buy-to-let property purchase
• Portfolio refinance/addition
• HMOs
• Holiday lets
• Air BnB
• Serviced accommodation
• Semi-Commercial properties
• Multi-Unit freehold blocks
• Expatriate
• Overseas residents

Bridging loan - sizes tend to range from £50k to £25m, there have been a variety of scenarios that we can help with, including:

• Land acquisitions with outline or full planning permission
• Developer exit loans to release cash for future schemes
• Heavy and light refurbishment finance to allow clients to sell on or retain property with up to 75% LTV and 100% of the refurbishment costs
• Valuation-only funding where no defined exit exists at time of purchase
• Serviced and retained interest cases
• Auction purchases
• Forward funding facilities for experienced investors to provide hunting pot
• Commercial bridging for business start-ups or expansion
• Finance for all types of opportunities and unexpected scenarios

How long does it take to secure property finance?

Property finance often varies and depends on the business and type of finance required.

Typically, it can take anywhere from a couple of weeks to months to get finance in place. Finance applicants for property finance should have all their accounts in order and available for inspection, just like with any other type of business funding. Bank statements, the last three to five years’ worth of certified accounts, business plans, and specifics on assets and liabilities can all be required.

Applying for property finance

MAF Finance Group can compare finance offerings from a wide panel of lenders to find the best option for you.

If you would like to get a quote or need further information, simply fill in the form and we will contact you. If you want to speak to someone directly, you can call us on 0115 958 6872 and a member of our team will be happy to speak to you. Alternatively, email us at [email protected].