Present the transaction
Provide the property, purchase or refinance terms, funding requirement, borrower contribution and timetable.
Commercial property and development finance guide
Property finance
Property finance can support commercial purchases, investment property, development, refurbishment, bridging needs or refinancing. The structure and due-diligence process depend heavily on the property, borrower experience, intended use and repayment or exit strategy.
Often considered for
- Buying owner-occupied or investment property
- Bridging a time-sensitive purchase or refinance
- Development and refurbishment projects
- Releasing capital or restructuring an existing property facility
The structure
How property finance can work
The exact process, eligibility rules and legal structure vary by provider.
Due diligence and valuation
The lender assesses title, valuation, planning, tenancy, project costs, experience and the proposed repayment or exit.
Complete and monitor
Legal conditions are satisfied before drawdown, with development facilities often released in stages against progress.
Lender assessment
What a provider may consider
- Property value, location, condition and marketability
- Loan-to-value or loan-to-cost
- Rental income, tenant quality and lease terms
- Planning status, build costs and development experience
- Strength and timing of the proposed exit strategy
Prepare the evidence
Information that may support the request
- Property particulars, purchase terms and title information
- Valuation, tenancy schedule and lease documents where available
- Planning permissions, cost plan and development appraisal
- Borrower or sponsor experience and contribution
- Evidence supporting the refinance, sale or long-term funding exit
Compare carefully
Points to understand before proceeding
- Allow for valuation, legal, monitoring, arrangement and exit costs.
- Stress-test delays, cost overruns, interest movements and a slower sale or refinance.
- Understand whether interest is serviced, retained or rolled into the facility.
- Bridging and development funding usually depend on a credible, time-bound exit.
Build the funding case
Present the need, evidence and repayment plan together
Fundry helps businesses organise a structured request for potentially relevant lenders to assess.
This guide provides general information only and is not financial advice or a recommendation. Product structures, eligibility, costs and terms vary by provider and remain subject to assessment. Review any offer carefully and seek independent advice where appropriate.