Funding consulting / Property and business strategy
The right funding starts
with the investment.
A title split, lease extension or discounted purchase may need a different funding approach. Alastair helps examine the structure, usable proceeds and repayment plan before the transaction becomes dependent on them.
Capital / Structure / Execution
Ask the questions
Before they become constraints.
Funding consulting sits within the wider strategy. It helps clarify the requirement and the evidence needed before a separately instructed broker or lender assesses an application.
What reaches completion?
Separate the gross facility from deductions, interest treatment, works allocations and the cash required from the investor. Then place the payments on a timeline.
- Net day-one proceeds
- Acquisition and professional costs
- Works payments before reimbursement
- Contingency and accessible reserves
What does the strategy need permission to do?
A title change, phased sale, refurbishment or refinance may depend on a consent or a release mechanism. The structure should be examined alongside the intended sequence.
- Security and ownership dependencies
- Drawdown and release conditions
- Term against the realistic delivery programme
- Costs and flexibility when the plan changes
What has to be true at repayment?
A projected value is only one part of a refinance. Sustainable income, lending criteria, legal acceptability and timing also matter. Compare the primary exit with credible alternatives.
- Sale and refinance assumptions
- Debt outstanding at repayment
- Capital recovered and capital retained
- Downside scenarios and contingency routes
Specialist finance / Finanze Capital
What if the finance could
recognise the opportunity?
A conventional funding approach may overlook the supported value in a title split, lease extension or genuinely discounted purchase. Understanding the lending basis early can change which opportunities are worth pursuing.
Finanze Capital can consider up to 100% net loan to purchase price on suitable transactions. Net LTPP means the amount available towards the purchase after relevant deductions, divided by the purchase price. It is not a promise to fund every purchase or the full project cost.
The result depends on the accepted value, product limits, interest and fees, underwriting, legal structure and exit. Tax, professional costs, works and reserves may still require your capital. We establish the actual cash requirement alongside the funding opportunity.
The practical output
A clearer funding brief
A more informed discussion.
An effective funding brief explains the asset, the borrower, the requirement and how the money returns. Consulting can help identify gaps, compare structures and prepare the case for the appropriate funding conversation.
- A reconciled view of costs, cash and timing
- The rationale for the proposed funding structure
- Key assumptions, sensitivities and outstanding evidence
- A practical list of actions before a finance application
Questions investors ask
Understand the net advance.
The headline facility and the cash available to complete are different measures.
Can Finanze Capital fund the full purchase price?
On suitable transactions it can consider up to 100% net loan to purchase price. This depends on supported value, the applicable product, deductions, underwriting, legal structure and exit. It is assessed case by case, rather than offered as a universal lending criterion.
Does 100% net LTPP mean I need no cash?
No. It concerns the purchase price. Tax, professional costs, works, reserves and payments needed before a drawdown may still require your capital. We examine those amounts and their timing together.
Can deferred consideration form part of the proposal?
It can be considered where the seller is willing and the proposed lender accepts the full arrangement. The unpaid price remains an obligation, so the payment schedule, security and repayment source must fit the wider transaction.
Do I have to arrange finance through Finanze?
No. Consulting and Deal Analysis are separately scoped services. Finanze Property can discuss brokerage and Finanze Capital can assess specialist lending under their own terms. You remain free to use other providers.
Separate engagements / Connected expertise
From strategy to finance.
You can use a broker or lender of your choice. Where appropriate, Finanze Property or Finanze Capital can discuss the requirement under their own engagement, assessment and terms.
Finanze Property.
Property and business finance brokerage. Alastair handles bridging and development enquiries; Samantha Demuth handles buy-to-let and commercial term mortgage brokerage.
Discuss a brokerage routeFinanze Capital.
Specialist property funding, with the transaction assessed separately against the relevant lending criteria, evidence and terms.
Discuss a lending routeIndependent of the route.
Consulting and Deal Analysis do not require you to arrange finance through Finanze. A consulting conclusion is not a funding approval.
Start with your questionPart of the wider decision
Capital is a means
to the outcome.
A lower cost of borrowing matters. So does the ability to complete the purchase, fund the work and reach the exit without an avoidable cash shortfall. The best starting point is a complete view of the transaction.
The thinking behind the advice
Finance that fits
The whole investment.
The Finanze Framework connects the funding decision to the purpose, delivery and exit of the investment. Alastair brings that perspective to the funding brief: what the capital must achieve, when it is needed and how it can be repaid.
Define the requirement.
Start with the investor’s objective, proposed ownership and available capital. Establish what the funding needs to support before comparing possible structures.
Follow the cash.
Examine acquisition costs, works, drawdowns and holding costs together. A profitable forecast still needs a credible route through each cash requirement.
Test the repayment.
Consider the evidence behind a sale or refinance and what changes if timing, value or lending terms move. Bring those dependencies into the funding discussion early.
Read the strategy before choosing the product
See how the structure
changes the funding question.
Our flagship articles connect title splits, lease extensions, commercial investment, BMV and deferred consideration with the evidence a funding proposal needs.
Work with Alastair
Bring the transaction.
Let’s examine the funding.
We can start with the information you have, identify what matters next and establish the right scope of support.