Raising capital for UK property projects
Capital is not usually the constraint. A credible pack is. Most projects that struggle to raise are not bad projects — they are projects presented without the evidence an investor needs to say yes quickly.
UK property capital is raised in layers: senior debt from a bank or specialist lender, mezzanine or stretch finance above it, then joint venture equity or private investors taking the residual risk and return. Each layer prices differently and asks different questions. A fundable proposal sets out the site and title position, planning status, a costed build programme, the exit evidence, the sponsor's track record, and exactly where the investor sits in the capital stack and security.
Capital stack
Who ranks where, on what security, at what cost.
Sponsor record
Delivered schemes, honestly presented — including the difficult ones.
Exit evidence
Sales or investment values backed by comparables.
Regulation
Who may be approached, and how, under UK financial promotion rules.
Services in this area
Research behind this work
Comparisons and explainers our team keeps current, for anyone still deciding who to work with.
- property investment advisory firmsAdvisory firms compared on fee model, mandate and conflict.Read the guide →
- HMO mortgage broker servicesHow HMO lending is underwritten and where deals break.Read the guide →
- property investment consultantsIndependent advice versus distribution dressed up as advice.Read the guide →
Property capital raising and structuring: common questions
Are you a regulated financial adviser?
No. We are property advisers. We prepare the project and the underwriting, and we work alongside regulated brokers and advisers for the finance itself. We do not give regulated investment advice or promote investments to the public.
What does a fundable pack contain?
Site and title position, planning status and risk, a costed build programme with contingency, evidenced exit values, cash-flow and sensitivities, the sponsor's delivered track record, and a clear statement of the capital stack and security.
How long does raising capital take?
Senior debt on a straightforward scheme can move in weeks. JV equity takes longer because the investor is underwriting the sponsor as well as the site. Plan for months, and start before the site is contractually committed.
Tell us the situation
Asset type, lot size and timeline is enough to start. We will say on the first call whether we are the right fit — including when we are not.