Off-market property finance and deal flow
Off-market deal flow across residential, commercial and land, plus the equity, JV capital and senior debt to close it, through 100+ lenders.
The best off-market sites and homes rarely reach the major portals; they move quietly, vendor to buyer, before anyone publishes a listing. Buying off-market gives you two things in one relationship: deal flow across residential, commercial and land, and the capital to close it.
We do not lend our own money. We are a whole-of-market broker: we package your case and place it with the lender or funding partner most likely to fund it. Register your buying criteria and a funding conversation in one step, so a strong scheme never stalls for want of equity. It costs nothing to enquire, and our fee model is confirmed upfront before any application. All rates are indicative until the funding partner confirms.
Key facts
- Sourcing across residential units, commercial buildings and development sites or land
- Senior development debt funds up to 80% of cost and 70–75% of GDV; stretched senior or mezzanine can push past 75–80%
- Senior debt on schemes from £250,000 to £25m; indicative heads of terms in 3–5 working days
| Scenario | Indicative rate | LTV |
|---|---|---|
| Senior development debt | 6.5–9.5% p.a. | 70–75% LTGDV |
| Stretched senior / mezzanine | 8–20% p.a. | 75–80%+ LTGDV |
| Equity / JV capital | Profit share | By deal |
Cost calculator
Compare your off-market route
Off-market is not one product. Start with the angle that matches your deal.
Development finance
Senior debt for the ground-up build once the site is yours.
Explore ›Land finance
Bridging to secure a plot, with or without consent, while you progress to development.
Explore ›Commercial mortgages
The onward term facility for an off-market commercial building you hold for yield.
Explore ›What is a finance broker
Why whole-of-market beats going direct.
Explore ›Why off-market deals stay off the open market
In the UK property market, off-market means a residential property is for sale but not advertised. A discreet seller who wants confidentiality or a fast completion markets discreetly first, and we hold the relationships that surface those off-market sales and opportunities before they reach the open market. Traditional property portals are where stock goes when the quiet route fails, so the broad market sees it last; potential buyers only see what everyone scrolled past on Rightmove and Zoopla.
It is a quiet channel between buyers and sellers who value certainty over publicity. Through us you see residential homes and small blocks, often unique properties no listing site carries, plus commercial buildings and land, and these off-market transactions lead into a finance instruction.
How to find off-market property deals
Buying off-market property starts with access the rest of the field does not have. As a practical guide to off-market property sourcing: we surface deals through a vendor who values discretion, a real estate agent who places a property off-market before a public listing, and investment specialists who bring opportunities to a buyer who can fund them.
Who off-market property investment suits
Off-market investment is built for buyers who are active and ready: property investors building a portfolio, developers chasing their next site, and family offices deploying capital. A vendor selling off-market wants certainty, so a buyer who can move wins.
It rewards the investor who knows their numbers: target yield, capital growth in the wider property market, the buy-to-let or development exit, and the LTV. To buy off-market, register your criteria for the right investment property.
Closing the equity gap and arranging the senior debt
When senior debt caps below what the deal needs, you need equity, not more debt: equity finance and joint-venture capital top up the deal, with a funding partner bringing cash or land for profit share. We model debt-only against a JV structure on your numbers, then arrange the senior facility on top, all indicative until the funding partner confirms.
Buying off-market: due diligence and the price
With reduced competition you avoid the bidding wars that inflate property prices on a public listing, but you carry more of the work because nothing public sets the figure. So conduct due diligence properly: confirm market value against genuine comparables rather than the seller’s number, and check title, planning, tenure and property details. Negotiation is where market knowledge pays: a buyer who reads market dynamics with funding lined up holds the stronger hand.
Common worries about off-market deals, answered straight
Overpriced with no competition? +
Just agents recycling stale stock? +
When off-market deal flow fits
Off-market sites for your next scheme.
Residential units and small blocks before they list.
Deploy capital into off-market residential and land.
Equity and JV capital where debt caps low.
A funding partner brings cash or land.
One relationship, deal to drawdown.
Off-market property questions, answered
How are these deals kept private? +
Can you fund as well as source the deal? +
Do you cover off-plan and new-build? +
Register for off-market deal flow
Tell us what you buy, where, and the size you work at. We add you to the off-market list and open the funding conversation at once, so when the right deal lands you move with capital lined up. This is information, not regulated advice.