THE RIGHT STRATEGY NEEDS THE RIGHT CAPITAL.
Funding should be considered before an investor commits to the purchase. The price, valuation basis, works, holding period and exit must all fit the proposed facility.
Finanze Strategy helps define the funding requirement, identify the appropriate route and package the opportunity for either specialist bridging or a broader market search.
FUNDING SHOULD SUPPORT THE STRATEGY.
A facility that works for one investor or property may be unsuitable for another. We review the complete funding case rather than relying on a headline loan-to-value figure.
BORROWER POSITION
Capital, experience, credit profile, existing portfolio, ownership structure and ability to support the plan.
ASSET & SECURITY
Property type, condition, title, tenure, use, tenancy, value, liquidity and lender security requirements.
PURCHASE & WORKS
Purchase price, deposit, fees, works budget, contingency, cashflow and the timing of capital expenditure.
VALUATION BASIS
Purchase price, OMV, Title Split Value, Lease Extension Value, block value and GDV may support different structures.
TERM & COST
Interest, arrangement fees, retained interest, legal costs, valuation costs, monitoring and extension risk.
EXIT & FALLBACK
Sale, refinance, retained assets, partial disposal and a credible fallback if the primary exit is delayed.
MATCH THE FACILITY TO THE PLAN.
WHEN TO CONSIDER BRIDGING
Bridging may suit value-add works, title splits, lease extensions, auction deadlines, short completions, conversions, change of use or assets not yet suitable for term lending. It should have a defined purpose, realistic term and evidenced exit.
WHEN TO GO DIRECT TO TERM BTL
Term buy-to-let may be more suitable where the property is already lettable and mortgageable, no material works or structural value-add strategy is required, the rent supports the borrowing and the investor intends to hold long term.
BRIDGE TO TERM
A two-stage route may use bridging to acquire and execute the strategy, followed by a separately arranged term refinance once the works, title, lease, planning, income or valuation position has been established.
Bridging should not be used simply because it is available, and term finance should not be forced onto a property that does not yet meet term-lender criteria.
DIRECT SPECIALIST BRIDGING OR A BROADER MARKET SEARCH.
There is no fee charged by Finanze Strategy for referring a case to Finanze Capital. Finanze Capital’s own interest, administration, arrangement, valuation, legal and other lending charges remain separate. Where a case is referred to Finanze Property, no administration or broker fee is charged to the buyer by the brokerage, although Finanze Property may receive a procuration commission from the lender.
SPECIALIST BRIDGING ONLY
Finanze Capital is a specialist bridging lender. Cases may be referred where the strategy requires short-term acquisition or execution finance, including title splits, lease extensions, refurbishment, auctions, conversions, mixed-use assets and bridge-to-sale or bridge-to-refinance plans.
The lending decision remains subject to valuation, borrower and transaction underwriting, legal review, acceptable security and a credible exit.
MODEL AN INVESTOR QUICK QUOTE →
WHOLE-OF-MARKET BROKERAGE
Where the investor needs a broader lender search, the case may be referred to Finanze Property for whole-of-market brokerage assistance.
This can include direct-to-term buy-to-let, bridge-to-term refinance, commercial or mixed-use term finance, portfolio funding or alternative bridging where a Finanze Capital facility is not suitable.
VISIT FINANZE PROPERTY →HOW A SUPPORTED SPLIT VALUE MAY CHANGE THE FUNDING CASE.
This illustrative Finanze Capital quote shows how a specialist title-split bridge can be assessed against a supported aggregate split value while the net purchase advance remains capped at the actual purchase price.
FACILITY TERMS
LOAN CALCULATION
HOW TO READ THE QUOTE
The £749,998.82 gross loan reflects the supported 75% split-value basis. From that gross amount, the arrangement fee, administration fee and twelve months of fully retained interest are deducted.
Those deductions total £115,998.82, leaving a £634,000 net purchase loan—equal to 100% of the stated purchase price. This is an illustrative quote, not a binding offer, and remains subject to valuation, underwriting, legal review, acceptable security, exit and final lending terms.
GIVE THE LENDER WHAT IT NEEDS TO DECIDE.
BORROWER INFORMATION
Company, directors, experience, portfolio, credit position and source of funds.
PROPERTY INFORMATION
Address, price, title, tenure, use, tenancy, condition, planning and comparable evidence.
WORKS & COSTINGS
Scope, contractor estimates, programme, contingency, drawdown needs and expected completion.
EXIT EVIDENCE
Refinance affordability, expected rent, target lender type, sale evidence and fallback route.
FROM STRATEGY TO FACILITY.
01 / DEFINE
Clarify the acquisition, works, holding period and intended exit.
02 / ASSESS
Test the property, borrower, valuation basis and capital requirement.
03 / ROUTE
Choose direct specialist bridging or a broader whole-of-market search.
04 / OFFER
Agree the purchase price and terms before progressing the full lending package.
05 / PACKAGE
Present the borrower, property, works, values and exit clearly.
06 / UNDERWRITE
Progress valuation, due diligence, legal work and lender conditions.
07 / COMPLETE
Complete the facility and execute the strategy within the agreed term.
ONE STRATEGY. MULTIPLE SPECIALISTS.
Finanze Strategy, Finanze Property and Finanze Capital connect investment strategy, whole-of-market brokerage and specialist bridging.