OUR SERVICES

As Developers Ourselves, We Understand The Process From All Angles

OUR TAKE ON DEVELOPMENT FINANCE

At Willow Isle Capital we relish the opportunity and challenge of the development finance projects we work on with our clients. We are not only brokers but have developed projects ourselves and understand the process from all angles.

In today's market the term development finance now encompasses a vast array of products that are on the market from different lenders, to suit different projects. With this in mind, it has never been more important to enlist the support of a specialist broker to help you secure the right loan for you.

A Personalised, Tailored Approach To Lending

At Willow Isle Capital, we take the time to understand you, your project and your personal situation before we approach lenders. We utilise the information we gather from you to target the right lenders and the right products, to ensure that you receive the most appropriate terms to choose from.

OUR PARTNERSHIPS

We Work With Our Clients Through Every Step Of The Process

  • Deal appraisal
  • The pitch
  • Analysis of terms
  • Application
  • Credit approval
  • Valuation
  • MS report & legals
  • Completion

BENEFITS OF DEVELOPMENT FINANCE

Ensure you have right loan for the right deal

Suitable oversight and monitoring

Tailor the loan to
your needs

Options to flex the leverage to suit your financial strategy

SENIOR DEV FINANCE

Senior development finance is the most typical type of development finance is used to finance a range of property developments from new builds to conversions.

There are many development finance lenders out there and it is key to pick the right one for your project and personal situation. We are here to help you work through this decision.

Typically geared at either

60% - 65%

LTGDV

The loan is typically structured with the bank funding

100%

of the cost of the works and a portion of the purchase price.

Loan sizes vary from

£100,000 - £100,000,000

with rates varying depending on the type of project and leverage.

STRETCH SENIOR DEV FINANCE

Stretched senior development finance offers a higher leverage, compared to senior development finance, typically taking the gearing to 70-75% LTGDV or 90% LTC, whilst still only taking a 1st charge against the property.

This type of product works well for experienced developers who are looking to take on multiple projects and who want to make their money spread that little bit further.

Rates are typically slightly higher than senior development finance but can still work well within a profitable scheme. Stretch senior lending can be a great tool to a developer and if you would like to know more about this, then please get in touch.

MEZZANINE FINANCE

A mezzanine loan is typically secured by way of a second charge on the property and used to bridge the gap between the senior development finance lender and the equity the developer has.

Mezzanine finance is priced and structured differently to senior development finance and it is important to understand how it works before committing. Here at Willow Isle Capital, we are here to support you in this decision making.

HOW IT WORKS

How Does Mezzanine Finance Work?

  • Similar to stretched senior development finance
  • Mezzanine finance typically takes the gearing of a project to 70%-75% LTGDV or 90% LTC
  • There are a few select mezzanine lenders who will consider super stretched mezzanine loans, which can take a developer beyond this point
  • These projects are reviewed on a case by case basis

Hear from a previous client

Here is honest feedback from a recent Trustpilot review.

Absolutely amazing team.

Thank you all!

This has been our fastest completion yet as you all worked tirelessly to meet the deadline.

Look forward to doing more business with you.

Are you looking for a finance broker who really understands you and your requirements, puts you at the heart of what they do and does not charge broker fees?

Willow Isle Capital formally trades as Canbert Property Ltd, company number - 07913953 and is registered at 216d Cavendish Road, London, SW120BY. We may receive commissions that will vary depending on the lender, product, or other permissible factors. The nature of any commission model will be confirmed to you before you proceed.

© Willow Isle Capital 2023. All Rights Reserved.