Property finance, explained plainly
Clear answers to the questions that come up most, with no jargon and no hype.
What is a bridging loan?
How short-term property finance works, and when to use it.
How bridging loans work
A short-term loan secured on property, repaid in months via a sale or refinance.
How to get a bridging loan
The five steps, what lenders need, and the exit that makes or breaks a deal.
Bridging loan costs explained
Monthly interest, arrangement and valuation fees, legals and exit, with a worked example.
Are bridging loans expensive?
Indicative monthly interest of 0.50% to 1.10% plus fees. The real number depends on the term.
GDV meaning
What Gross Development Value is, and how lenders size loans against it.
Loan to cost (LTC) explained
Your development loan as a percentage of total project cost, and how it differs from LTGDV.
What is property development?
Buying land or buildings, adding value through works, then selling or refinancing.
What are property developers?
How developers add value through construction or refurbishment, and how they fund schemes.
How to become a property developer
Pick a strategy, find a site, build a team, fund the deal and exit for profit.
Property development tips
Twelve practical tips on appraisal, planning, build cost, finance and exit.
House extension cost
UK price ranges per square metre, what drives the cost, and how to fund the works.
What is a buy-to-let mortgage?
How it works, the rental stress test, deposit, costs and limited-company options.
What is a finance broker?
What a broker does, how they are paid, and when to use one.
Whole-of-market broker explained
What it means, how it differs from tied advisers, and when it matters most.
What is a decision in principle?
A lender’s early indication of how much it may lend, based on a soft check.