Property finance in Leeds.
Development finance, bridging, commercial mortgages and limited company buy-to-let across Leeds and West Yorkshire, arranged for limited companies and SPVs.
What we are asked to fund in Leeds.
Leeds behaves more like a professional-occupier market than a pure investor one, and that shows up in what lenders want to see. Office and mixed-use cases carry more weight here than they do further west.
- Build to rent and city-centre apartments. A deep pipeline and a lot of competing stock, so lenders look harder at the end value and the operator than at the build cost. A scheme with a named operator or a credible management plan prices differently from one without.
- Offices, and what is left of them. Secondary office stock either re-lets, converts, or sits. Which of those a lender believes decides whether you get a commercial mortgage, a bridge or nothing. Semi-commercial and mixed-use cases, shops with flats over, are often the easier version of the same building.
- HMOs in Headingley and Hyde Park. Long-established student areas with Article 4 directions covering parts of them, so small HMO conversions need planning permission rather than permitted development rights. Licensing applies to larger HMOs. Both come up in underwriting before yield does.
- South bank and regeneration sites. Land and part-built sites where the planning position does more to set the funding than the ground does. Land without planning is a bridging question; land with it is a development finance one.
We develop in Leeds as well as arranging finance there, so a scheme gets an honest read on whether it works before it goes to a lender.
Finance for West Yorkshire.
All of it for limited companies, SPVs and corporate borrowers. We are a credit broker, not a lender.
Development finance
Ground-up and conversion funding, land and build tranches, drawn down in stages.
02 / Short termBridging finance
To buy before planning, beat an auction deadline, or fund the works that make a building mortgageable.
03 / HoldCommercial mortgages
Owner-occupier and investment cases, including semi-commercial and mixed-use.
04 / LetLimited company buy-to-let
Company and SPV buy-to-let, HMOs, and portfolio landlord facilities.
Leeds, answered.
Do you work in Leeds as well as the North West?
Yes. Leeds and West Yorkshire are part of the area we develop in and arrange finance for, alongside Greater Manchester, Merseyside, Cheshire and Lancashire.
Can you fund an office to residential conversion?
Often, yes, though the route depends on the planning position and how much value only appears after the works. It is usually a development finance or heavy refurbishment case rather than a term one. Development finance →
What about student HMOs?
They are financeable, but Article 4 and licensing both come up in underwriting. Confirm the current designation for your address with Leeds City Council before committing. HMO mortgages →
The other cities we fund in.
- Manchester. Conversion and change of use, apartment and build-to-rent schemes, and student HMOs under Article 4. The market we develop in as well as finance.
- Liverpool. Lower entry values that run into lender minimum loan sizes, selective licensing, and warehouse conversions with heritage attached.
- Birmingham. Finance only, placed on a national lender panel. We do not claim local site knowledge in the Midlands.
Outside all four? The lender panel is national, so tell us where the asset is and we will say quickly whether it is one we can place. See what we arrange →
Tell us about the deal.
- Call0333 577 1988
- WhatsApp07977 486886
We arrange finance for limited companies, SPVs and corporate borrowers only.