What Is Property Finance

What is Property Finance?
At Mayfair Southern, we specialise in a wide range of property finance solutions—from commercial mortgages to property development funding. Whether you're starting out or managing an established property portfolio, our expert team is here to support your financing needs.

If you’re a first-time developer, our dedicated property finance specialists will guide you through the entire process. For seasoned portfolio owners, our team includes professionals with over 25 years of experience in the property finance sector.

We also offer access to additional financial products such as bridging loans and unsecured loans, and we can assist with restructuring existing finance agreements to unlock capital for your business.

We provide a comprehensive suite of property finance options tailored to different needs:

We arrange development loans typically ranging from £100,000 to £50 million. Funding can reach up to 70% of the Gross Development Value (GDV) and over 90% of development costs, depending on the project and sector.

Mayfair Southern can secure commercial mortgages for up to 80% of either the purchase price or the property's vacant possession value—whichever is lower. Final terms are subject to underwriting and valuation.

Whether you're investing in your first buy-to-let or managing a broad portfolio, we can connect you with competitive mortgage options through our extensive panel of lenders.

We work with a wide range of funders to deliver bridging finance solutions—from conventional unregulated loans to more complex or speculative cases.

We support a variety of scenarios, including:

• Land acquisitions
   
• Developer exit strategies
   
• Refurbishment finance
   
• Valuation-only funding
   
• Auction purchases
   

Flexibility and speed are key to our service. We’re happy to work with you remotely or in person.

We collaborate with you and the chosen lender to determine the required loan amount. Once terms and conditions are agreed upon, the full loan is released. You’ll typically make monthly repayments over the agreed term, including interest.

Loans from £100k to £50m, supporting:

• Developers with little to no prior experience
   
• Projects based on planning gain
   
• Joint ventures and investor-led schemes
   
• Stretch senior and mezzanine finance
   
• Part-completed developments
   
• All structures from SPVs and group entities to simple partnerships
   

Loan sizes from £25k to £25m for:

• Owner-occupied trading premises
   
• OpCo/PropCo setups
   
• Industrial and warehouse units
   
• Care homes, nurseries, and hospitality venues
   
• Leisure facilities and gyms
   
• Agricultural units and equestrian properties
   
• Portfolio investment and equity release
   
• Semi-commercial and retail premises
   
• Pension fund property purchases
   

Typically ranging from £50k to £25m, we can help with:

• Land with planning permission
   
• Developer exit finance
   
• Refurbishment projects (light or heavy)
   
• 100% refurbishment cost cover available
   
• No-exit valuation funding
   
• Serviced/retained interest
   
• Auction and forward funding
   
• Business start-ups and expansions
   

The timeframe can vary based on the loan type and your financial readiness. Some deals complete in weeks, while more complex arrangements may take several months.

To streamline the process, we recommend having the following documentation ready:

• Bank statements
   
• Certified accounts (3–5 years)
   
• Business plans
   
• Asset and liability details
   

Whether you’re expanding your property portfolio, funding a new development, or just exploring your options—Mayfair Southern is ready to help.

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