Insights

Why fully funded build costs can still leave a developer needing cash, and how cost, timing, drawability and liquidity can affect the wider development position.

The client experience and the broker’s work are not the same thing. One should feel straightforward. The other rarely is. On why that gap exists and what it is actually for.

Why do first-tier lenders consistently prefer 60% LTV? The answer goes beyond institutional caution. Applying Kelly’s criterion to leveraged property reveals a mathematical basis for what experienced lenders have long understood through data alone.

How lenders assess a first development, including the project, equity, contractor, professional team, costs, GDV, programme and exit.

How bridging finance works in practice — loan structure, true costs, exit strategies, and the failure points that cause deals to fall apart before completion.

Everything a UK property investor needs to know in 2026 — stamp duty, mortgage stress tests, Section 24 tax, the Renters’ Rights Act, EPC compliance, and where yields are strongest.

Since 2021, the balance between build costs and sale values has shifted. A chart analysis of ONS data showing how UK development moved from a price-led to a cost-led cycle — and why margins have become so tight.

Borrowers often treat borrowing as a paperwork exercise. But lenders aren’t just processing forms — they are investors, with a stakeholder chain that runs from shareholders to depositors. Understanding this changes the whole approach.