Stabilisation finance blog
Articles on the debt that carries property from completion through lease-up to stabilised income, and the bridging, development and refinance markets around it.
Written by Matt Lenzie, who has arranged more than £500 million of property and trading-business finance over 25 years. For the structured explainers behind these articles, start with our guides at /guides/ and the market briefs at /insights/.
A specialist guide to commercial bridging loans
Commercial bridging loans are the transitional debt that moves a commercial or investment property from purchase, works or completion to a longer-term exit. This guide sets out what they are, what they fund, what they cost and how we arrange them.
Read the article → BridgingHow much does a bridging loan cost?
Bridging finance costs the sum of its monthly interest and a handful of fees, and the total moves with the asset, the leverage and the exit. This guide breaks the numbers down and works a real example.
Read the article → BridgingWhat happens when a bridging loan ends?
A bridging loan does not fade out; it ends on a fixed date when the whole balance falls due. This guide sets out what happens at that point and how a well-planned exit keeps it a formality.
Read the article → BridgingBridge to let: how it works
A bridge to let mortgage packages a short-term bridge with the investment mortgage that repays it, so the exit is agreed before the bridge is drawn. This guide explains how the two stages fit together.
Read the article → BridgingAuction finance explained
A property auction gives you roughly 28 days to complete once the hammer falls, and a high-street mortgage rarely moves at that pace. Auction finance is the short-term bridging facility built for that deadline, and this guide explains how it works for commercial and investment buyers.
Read the article → BridgingRefurbishment bridging loans
Refurbishment bridging loans fund the purchase and the works on a property that is not yet finished or lettable, then step aside when the project is done. This guide explains light versus heavy works, how the money is released, and how investors exit.
Read the article → BridgingSecond charge bridging loans
A second charge bridge lets an investor raise money behind a first mortgage they want to keep, without remortgaging the whole asset. This guide explains how it is sized, priced and exited.
Read the article → Development financeDevelopment loans explained
A development loan funds a build in stages as it is certified, then falls due at practical completion. This guide explains how the money is drawn, sized and priced, and where the exit finance picks it up.
Read the article →Got a scheme approaching completion?
Send us the scheme and the numbers and we will come back with a view on fundability and likely terms within one working day.