Urban Homes finance

Urban Homes offers a range of bespoke finance options for your self-build project.

Through our access to a wide variety of lenders, we cater for both basic and complex requirements, plus everything in-between.

Our property development finance options involve no up-front fees, so in the unlikely event that we’re unable to help, you won’t pay a penny for our work. We’ll spend time understanding your situation and requirements and guide you through the whole process from start to finish, providing clear, impartial advice throughout on the best solution for you.

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About Urban Homes Ltd

Bridging and Auction Finance

Bridging finance for property development is short-term funding which is secured on a property. It is commonly used in property development when there is a need for immediate capital to secure a property or fund construction and renovation costs.

It can be a useful tool for developers who require quick access to capital to seize opportunities, fund time-sensitive projects, or overcome temporary financial gaps.

We select from a range of Bridging Lenders to find the most suitable for your needs. Funds can be made available in as little as 7-10 days for up to 85% of the property value. Urban Homes finance can be provided for:

Residential property
HMOs
Mixed-use properties
Land (with or without planning)

Property Development Finance

Urban Homes property development finance can help with land acquisition or property redevelopment. This includes financing the purchase price and associated costs like legal fees, surveys, and planning permission applications and can be delivered in a flexible funding structure with any fees added to the loan.

This type of finance can be used to cover the costs of construction, renovation, and development including expenses related to materials, labour, professional services (architects, engineers, etc.), permits, and site preparation.

Finance is available for a period of up to 12 months, starting from £100K.

Commercial Loans and Mortgages

Commercial mortgages and loans are for the acquisition, construction, or renovation of commercial properties such as office buildings, retail centers, industrial facilities, or mixed-use developments.

These loans are available via Urban Homes Finance for commercial property on either a Repayment or Interest-only basis. Interest rates can be fixed or variable with short or long repayment terms. Funding for up to 85% of the property value is available or 100% of the value when additional security is provided.

Commercial loans can cover land or premises acquisition, construction and development costs, and all other construction-related expenses.

Asset Finance

Asset Finance from Urban Homes Finance is often used to raise money for purchasing equipment or machinery for a business. It can also be used for quick and efficient capital release from the assets owned by a business. The capital released can then be used for any legal purpose.

We offer the following types of Asset Finance to all businesses sizes, including Sole Traders and large Limited Companies:

Hire Purchase

Finance Lease

Operating Lease

Refinance of existing assets

Asset finance is widely used as a flexible way of raising capital without significant upfront costs.

Unsecured Business Loans

Unsecured business loans are a type of financing that does not require collateral or a specific asset to secure the loan. Instead, they are granted based on the borrower’s creditworthiness, financial stability, and business history. These loans can offer a more flexible solution than a standard loan from the bank for amounts between £5000 – £500,000.

To qualify, the business and business owner must meet various qualifying criteria. We can guide you through the full application process, providing advice on the best options available. Loans are available from £5000 – £500,000 and once granted can be used for any legal purpose.

Our experienced team will guide you through the full process, advising you on the best options at every stage.