Developers
Ground-up residential, mixed-use, or PRS schemes from £500k GDV. Senior debt, stretched senior, or mezz across the capital stack.
Property finance
Funding the bricks and the build.
Bridging, development, and commercial mortgages for UK developers, investors, and owner-occupiers.
What it is
What property finance means at Bedrock.
Property finance is a broad category. At Bedrock it covers four main facility shapes: development finance for ground-up build and refurbishment, bridging for short-term acquisition or chain-break, term commercial mortgages for owner-occupied premises, and investment loans secured against rental property portfolios.
Each shape has its own underwriting lens. Developers face GDV and build-cost scrutiny. Bridging is priced on exit certainty. Commercial mortgage rates turn on covenant strength and the loan-to-value at completion. We match the facility to the deal context, not the other way around.
We have not built our panel around any one lender or product type. The market for UK property finance shifts constantly as challenger banks and specialist funds enter and leave segments. Whole-of-market access matters more here than almost anywhere else.
Calculator
What might senior development debt look like?
Senior lenders cap debt against the lower of GDV and total cost. Sketch the scheme on the left to see roughly where the binding cap lands and how much equity you'd need to put in.
£
£
£
Binding cap: LTC
Max senior debt£2,450,000
Equity required£1,050,000
Capped by GDV£3,250,000
Capped by cost£2,450,000
Total project cost£3,500,000
Illustrative only. Not a quote or offer. Real terms depend on the funder, the asset, and the borrower profile.
Get indicative termsWho it's for
Common deal profiles.
Three patterns we see most often. The first conversation finds out which one you're closest to.
Investors
Buy-to-let portfolios, semi-commercial, and mixed-use. Both vanilla 5-year fixes and specialist short-lease or shorthold cases.
Owner-occupiers
Trading businesses buying their freehold premises. Commercial mortgages from £250k against the property plus business trading covenants.
How we structure it
Facility shape and timeline.
- Loan sizes
- £250k to £30m+
- Typical terms
- Bridging 3-18 months. Development 12-36 months. Term mortgages up to 25 years.
- Security
- First or second charge over the property. Personal guarantees on smaller deals.
- Timeline
- Indicative terms once we've sounded out the right funders. Drawdown 2-8 weeks depending on facility shape.
Sectors
Sectors where this product fits.
The sectors below are where we place this product most often. Each links to a fuller sector page.
Need property finance for your business?
Five minutes on a call gives us enough to come back with indicative options once we've sounded out the right funders.