The hub for people who want to understand the deal.
Practical guides to how property finance actually works, real deal breakdowns, and original research from our own data. Most published material in this sector exists to capture an email address. This does not. Everything is written by Dominic Whitecross, co-founder, with fourteen years in commercial finance behind it. Filter by what you need below.
Three deals, three structures: what actually gets a complex case funded
Three real deals from our first year — a Scottish land bridge, a ground-up development and a cross-border portfolio restructure — and the structure that made each one fundable.
What the valuer says is what you borrow
The valuation type sets your timeline and the valuation basis sets your loan. Why two lenders quoting the same LTV can be £91,000 apart on the same building.
90 and 180 day valuations explained
Restricted marketing period values sit 5% to 25% below market value, and on commercial security they are often the figure your loan is a percentage of.
What a bridging loan actually costs
Every line of the fee stack, what drives each one, three worked examples, and the costs that most often catch borrowers out.
Extend, bridge or refinance?
Your development facility is expiring. Why the usual cost comparison is the wrong question, and the framework that actually decides it.
Auction finance and the 28 day deadline
How the timeline really runs, reading the legal pack before you bid, and why Scottish auctions work differently.
Refurbishment finance, light and heavy
The structural works line that decides your product and pricing, and the six month rule that catches out refinance exits.
When the discount is the deposit: 100% on below-market-value deals
How a bridge can be sized against open market value rather than the price you pay — and the 90%-then-refinance route onto a commercial mortgage.
UK development pipeline by region
Planning application activity, approval rates and regional pipeline movement, drawn from our own origination data. First edition in preparation — journalists and researchers welcome to enquire.
What we publish, and what we do not
One substantial piece a month, either answering a question borrowers actually ask, breaking down a real deal, or presenting data we hold and others do not. No rate speculation, no market commentary written to fill a slot, and no article whose real purpose is a call to action.
Where a piece touches on law or tax, it says so and points you to someone qualified. Nothing here is financial or legal advice, and figures are indicative and change with the market. We also publish shorter notes on LinkedIn and Instagram.