Expertise – Trust – Results
Development Finance
We can support a range of funding requirements to support your residential or commercial development project whether you are building for resale or to retain as an investment or for your own residential needs.
Trusting us to arrange and execute the project finance allows our developer clients to focus on sourcing land, designing, obtaining planning and delivering their schemes. From first time developers looking to extend and refurbish, through to small developers building a block of flats or experienced developers building hundreds of units a year, our support can be critical.
There is no standing still with Align Property Finance as we take an active role in the initial drawdown and professional team management, supporting you through all subsequent drawdowns providing another pair of eyes and ensuring the scheme is delivered on time and budget. Our support could prove even more crucial when things don’t go to plan and our knowledge and experience will ensure you get the best outcome in any subsequent negotiations with the lender.
In recent years, we have seen many different types of development from PD conversions (office to residential) to the growth of BTR (build to rent) and PBSA (purpose built student accommodation) managing processes for clients from land acquisition, through planning and construction onto exit strategy.
Investment Finance
Whether you are a first-time investor or an experienced investor you’ll know it’s a complicated market out there however Align Property Finance is here to help you navigate the complexities to secure a mortgage that is tailored to your needs.
Working with investors of all shapes and sizes, whether it’s a new purchase, refinancing an existing loan or looking to release equity to expand your portfolio our sector specific expertise will find you what you need.
We have experience of executing deals in all the below over recent years:
Residential Investment
PBSA (purpose built student accommodation)
PD Schemes (permitted development)
Portfolio
MUFB (Multi Unit Freehold Blocks)
HMOs (House in multiple occupancy)
Co-Living
Commercial Investment
Office
Retail Parks and Shopping Centres
Industrial and Warehousing
High Street Retail
Leisure and Hospitality
Hotels
Healthcare
Education
Petrol Stations
Care Homes
Mixed Use Portfolios
The structure of mixed-use/semi-commercial property can add complexities when it comes to arranging finance. At Align Property Finance our banking relationships enable us to secure market leading terms by presenting your portfolio in the right way to appeal to lenders across the market.
Bridging
Whenever you need funds quickly, especially when buying at Auction, or if you have an asset that is not yet applicable for term debt (eg minor refurbishment, land purchase, pre-planning or allow time for asset management) our extensive connections with short term funding partners are there to help.
Terms are usually less than 12-18 months and charging is on a monthly basis. We can help arrange the initial funding and manage the exit, often simultaneously, to minimise the costs involved.
Developer Exit Loans are a short-term bridging finance solution. These allow property developers a bit more breathing space when it comes to selling their completed projects on the open market, whilst also allowing for development loans to be repaid and allowing for equity to be released and utilised. For a developer exit loan to be considered, the properties will need to have practical completion certificates available at the point of drawdown.
Generally, these developer exit loans are up to 75% Loan to Gross Development Value against the completed properties and can be up to 18 months in duration.
Private Mortgages
Go Finance Limited are the Directly Authorised Regulated sister Company to Align Property Finance Limited delivering FCA Regulated advice for both Companies clients across Residential Mortgages, BTL non-portfolio Mortgages and Regulated Bridging. For all regulated enquiries, please visit their website GoFinance – Your Trusted Mortgage and Protection Partner (gofinance-uk.co.uk).
Our experts are here to guide you. Contact us for a personalised consultation and let’s discuss how Align Property Finance can make your project a success.
Call 01279295615