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We Provide Commercial and Development Finance

We cover all classes of commercial real estate and we simply don’t simply focus on triple-A tenants or primary locations. We regularly work on secondary and tertiary locations, with varying strengths of tenant covenants. We source and execute finance across the whole stack of development finance – senior debt, mezzanine, stretched finance and equity.

Modern Building

Funding for Projects

As a team we are able to cover a huge range of funders, and know of over 90 lenders across traditional banks, building societies, challenger banks, peer to peer lenders and an array of debt funds and alternative providers.

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We don’t have a set Profit on Cost, IRR, LTC or LTGDV that we work to. Each scheme varies, as does its solution. We are happy to work on schemes with low loan to values with a focus on pricing and timing, or covering deals which require lending very high up the stack.

Leverage & Capital Stack

We regularly handle deals with very high leverage, but clearly, LTC restriction and LTGDVs are key considerations, and cannot simply be ignored. The higher up in the stack the scheme the more likely that a scheme might merit equity profit participation in the funding solution rather than simply coupons and fees.

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We work with our clients to put together a comprehensive pack of information in order to source competitive funding and to satisfy lenders’ underwriting and due diligence.

Apartment Building
Streets of London

Loan Size

As a team, we cover commercial finance from a range of £500k to £100m+.


This requires a huge array of lenders to monitor, as they each have their own sweet spots on loan sizes. Given the size of our team, we can each focus on different markets and thus are able to provide solutions across a wide range of lenders.

Asset Types

We cover all classes of real estate: offices, retail, healthcare, hotels, logistics, and industrial.

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We don’t simply focus on triple-A tenants or primary locations. We regularly work on secondary and tertiary locations, with varying strengths of tenant covenants.

Much of what we do involves arranging funding strategic asset management strategies for clients, whether that then involves the client managing tenants, an under-rented asset or obtaining planning.

Apartment Building
Suburb Neighbourhood

Location

We have a range of lending options that allows us to provide a comprehensive coverage of development schemes in England, Scotland, Northern Ireland and Wales.

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In addition, we arrange development finance across good locations in Western and Central Europe, as well as various islands in the Caribbean. We can also arrange bridging finance, if needed, in these locations.

Mind the Gap

The retail space has been challenging in today's world, to say the least, and there are various sectors where tenants are no longer looking to take on long leases.

This presents decent yields but often these assets might have only two or three years before a tenant break clause, whereas lenders require longer-term leases.

 

We regularly handle lending requirements that fall between the gap of a senior lender and a short-term finance company.

Street in the city

Types of Development Schemes

Residential

We have handled a wide range of development across the residential space. We have worked on funding high-value single dwellings in Central London as well as the country, through to large flatted schemes across the UK; the largest flatted scheme we have funded in one phase is over 300 units in one block.

Image by Christian Vasile
Image by Andrea De Santis

Purpose-Built Student Accommodation

We arrange funding for the development of student accommodation, whether it involves fractional sales of individual sales or for an institutional sale of the entire building. We do not simply focus on Russell Group universities and instead look at the attractiveness of the scheme in its local context and demand.

Speculative Commercial

This is traditionally one of the hardest areas to fund, as lenders want pre-lets in place. We are happy to work with developers where we can work on the relevancy of a scheme and their experience at delivering in this sector.

London City

Hospitality

Hotels are an area we have successfully funded and we also work on funding combinations of hotels, leisure facilities and golf courses.

Image by Eunice Stahl
Caregiver with Patient

Healthcare

Funding of care homes and specialist healthcare assets is a niche area and one where we know the lenders who have the appetite for financing. We have worked with owner-operated schemes and not just separate operators with pre-lets.

The FCA does not regulate some investment and commercial mortgage contracts.

 

YOUR PROPERTY MAY BE REPOSSESSED IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR ANY DEBT SECURED ON IT. PROTECTION POLICIES AND INSURANCE MAY BE SUBJECT TO EXCLUSIONS.

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©2022 by Mountview Finance Ltd.

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  1. Mountview Finance Ltd is an Appointed Representative of Connect IFA Ltd 441505 which is Authorised and Regulated by the Financial Conduct Authority and is entered on the Financial Services Register (https://register.fca.org.uk/s/) under reference [978578]. The FCA does not regulate some Business Buy to Let Mortgages and Commercial Mortgages to Limited Companies. Mountview Finance Ltd is registered in England & Wales under number 14103208. Registered address 71 Church Rd Hove BN3 2BB.

  2. Not all services we offer are covered by the FCA.

  3. The information contained within this website is subject on the UK regulatory regime and is therefore targeted at consumers based in the UK.

  4. Your property may be repossessed if you do not keep up repayments on your mortgage.

  5. There will be a fee for mortgage advice, the precise amount will depend upon your circumstances. Your Consultant will confirm the amount before you choose to proceed but we estimate it to be £495 application fee and upto 1% mortgage advisory fee depending on complexity.

  6. We are a credit broker and not a lender. We have access to an extensive range of lenders. Once we have assessed your needs, we will recommend a lender(s) that provides suitable products to meet your personal circumstances and requirements, though you are not obliged to take our advice or recommendation. Whichever lender we introduce you to, we will typically receive commission from them after completion of the transaction. The amount of commission we receive will normally be a fixed percentage of the amount you borrow from the lender. Commission paid to us may vary in amount depending on the lender and product. The lenders we work with pay commission at different rates. However, the amount of commission that we receive from a lender does not have an effect on the amount that you pay to that lender under your credit agreement.

  7. It is our intention to provide you with a high level of customer service at all times. If there is an occasion when we do not meet these standards and you wish to register a complaint, please write to: Compliance Department; Connect IFA Ltd, 39 Station Lane, Hornchurch, RM12 6JL or call: 01708 676110. If you cannot settle your complaint with us, you may be entitled to refer it to the Financial Ombudsman Service www.financial-ombudsman.org.uk

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