FRP Real Estate Advisory has arranged three financing facilities totalling approximately £1.5 million for property investors operating outside conventional lending criteria, the firm has confirmed.
The transactions, completed over recent weeks, comprised land bridging, a secured revolving credit facility, and development-linked bridging finance. Completion times ranged from two to three and a half weeks.
Deal structures
The first transaction involved a land bridge of £163,911 at 40% loan-to-value against a vacant industrial unit, completed over 12 months. The lender agreed to base the loan on purchase price without requiring a formal valuation, completing in three and a half weeks.
A second-charge revolving credit facility of £967,000 was secured against a borrower’s primary residence at 71% LTV over 24 months, adding approximately 40% borrowing on top of existing debt of around 30% LTV. This structure provided ongoing drawdown flexibility.
The third deal comprised a £357,500 bridge at 65% LTV against a vacant industrial unit in Wales, funding approximately £120,000 of works over 12 months. The transaction completed in two weeks without requiring a debenture.
Market context
According to Sam Beaumont, finance adviser at FRP Real Estate Advisory who led the transactions, the deals reflect a trend of established investors moving into development activity. This shift often falls outside mainstream lending parameters, requiring alternative bridging finance arrangements.
“In each of these cases, the client had a clear plan, but an asset or a timeline that did not fit a high street template,” Beaumont said. “Our job was to find lenders who could look past the standard checklist and move at the pace the opportunity demanded.”
The structures included lending on purchase price, releasing equity from residential properties, and funding works without formal oversight requirements.
The completions add to recent activity in the specialist lending sector, which has seen increased demand from investors requiring flexible financing solutions as they expand their operations into development projects.
