Introducers icon

UK

Fast and reliable relationship lending in England, Scotland and Wales

We offer a wide range of bridging and development solutions, moulded to the unique requirements of your clients.

Sancus looks at each loan opportunity on a “case by case” basis but as a guide, we look for:

Asset Type Residential properties
Purposes Refurbishment
Loan Size £750k to £5m
Term Length up to 24 months
Interest Rolled to the end of the loan
Refurbishment Costs up to 100%
Day 1 LTV up to 75% excluding interest
LTGDV up to 75% of GDV including interest roll up
Where England and Wales*
Rates From 0.49% pm plus base rate
OMV We lend on Open Market Value
Who we lend to Professional landlords, property investors, property developers, first-time investment, foreign Nationals, Ex-Pats, LLPs, Ltds, PLCs, SPVs
Typical Borrower Private Individuals, Investors, Developers, Corporates
Types of Projects Residential, semi-commercial, mixed-use, single or multiple properties, auctions, HMOs, light to heavy refurbishment
General Criteria
  • No outstanding CCJs, bankruptcies or poor credit, but explicable historic adverse credit considered on a case by case basis
  • 1st charge security required in all cases
  • Satisfactory Due Diligence
*we also offer other bridging and development products across the rest of the UK

 

Asset Types Residential Properties
Purposes Property Bridging
Loan Size £500k to £5m
Term Length up to 24 months
LTV/LTC 75%/85%
Where England and Wales*
Who we lend to Professional landlords, property investors, property developers, first-time investment, foreign Nationals, Ex-Pats, LLPs, Ltds, PLCs, SPVs
Typical Borrower Private Individuals, Investors, Developers, Corporates
Types of Projects Residential, semi-commercial, mixed-use, single or multiple properties, auctions, HMOs
Rates From 0.49% pm plus base rate
General Criteria
  • No outstanding CCJs, bankruptcies or poor credit, but explicable historic adverse credit considered on a case by case basis
  • 1st charge security required in all cases
  • Evidence of affordability if interest is to be serviced
  • Satisfactory Due Diligence
*we also offer other bridging and development products across the rest of the UK

 

Asset Types Residential Properties
Purposes Development and Refinancing
Loan Size £1m to £10m
Term Length up to 24 months
LTV/LTC 75%/85%
Where England and Wales*
Who we lend to Property Investors, Property Developers, Foreign Nationals, Ex-Pats, LLPs,
Ltds, PLCs, SPVs, HNWIs, Trusts, Funds, Family Offices
Typical Borrower Experienced Developers with cash to commit to the project
Types of Projects Ground-up developments of 1 to 50 units, major structural renovation of
an existing building, office to residential conversion, residential, semi-commercial, mixed-use, HMOs
Rates From 0.49% pm plus base rate
General Criteria
  • No outstanding CCJs, bankruptcies or poor credit, but explicable historic adverse credit considered on a case by case basis
  • 1st charge security required in all cases
  • Evidence of affordability if interest is to be serviced
  • Satisfactory Due Diligence
*we also offer other bridging and development products across the rest of the UK

 

We offer a wide range of bridging and development solutions, moulded to the unique requirements of your clients, our experienced team are here to give you and your client certainty that we deliver what we say we will.

We understand that you need to have confidence in us and that we support you and your client throughout the process, that’s why we have one point of contact from initial enquiry through to drawdown.

Contact our UK team

union

When we recommend funders to clients, Sancus will often be one of our top 3 because of the certainty, creativity and relationship focused approach they bring to transactions."

Steve Long

Director, ACDS Consultants

Woman at meeting with tablet
Introducers UK Case Study
Prev
Next

Development Loan

Development Loan

The Borrower was introduced to Sancus by ACDS Consultants, a boutique debt advisory practice based in the West Midlands.

The loan, for the development of 33 apartments in central Birmingham, involved negotiation of an overage agreement as well as a complex build programme due to the site location for the development.

ACDS  provides advice and source debt facilities across a wide range of sectors and are a highly regarded intermediary in the region and have been working with Sancus in the UK since 2019, completing a number of loans together during this time.

“Sancus offered a well-structured facility that didn’t change through the completion process, we also discovered how tenacious the team at Sancus can be through to completion. This ensured that we closed a loan in a highly complex situation that other lenders may have not had the stamina to complete. We have complete confidence in recommending Sancus for short/medium term property financing. With Sancus it’s a relationship led approach and that makes a big difference in delivering good outcomes.

It’s important for our clients that we are able to provide them with options that we know are reliable and match them with lenders that will deliver on their promises. When we talk to Sancus we know that we are talking to experienced people who are able to quickly understand our clients’ requirements.

When we recommend funders to clients, Sancus will often be one of our top 3 because of the certainty, creativity and relationship focused approach they bring to transactions.”

Steve Long, Director ACDS Consultants

Introducer Jurisdiction of asset Type of loan
ACDS Consultants Birmingham, UK Development Loan
Amount of loan Term Gross Development Value
£5,000,000 18 months £8,800,000
Minimum Loan Term LTGDV / LTC
Minimum 6 months 63% / 82%
Introducers UK Case Study
Prev
Next

Refurbishment

Refurbishment

The Introducer was established in 2004 to transact in unregulated specialist lending, focussing on BTL (Buy-To-Let), HMO (House in multiple occupancy) and bridging finance.

The Borrower had already developed a similar property and would be using the same contractor for the new development.

They had initially planned to undertake a light refurbishment of the property but having subsequently obtained planning permission decided to convert the bungalow to a 4-bedroom house.

The Borrower’s original lender advised that they were not able to fund the change in the project, so their introducer suggested funding from Sancus.

Introducer Jurisdiction of asset Type of loan
Bedrock Business Finance Hertfordshire, UK Refurbishment loan
Amount of loan Term GDV
£394,750 10 months £700,000
Min loan term LTGDV LTC
3 months 62% 74%
Introducers UK Case Study
Prev
Next

Development Loan

Development Loan

The introducer, Gurgit Basi of Barstow Bradstock Associates (BBA) was well known to Sancus. BBA have been property brokers for over 40 years.

The loan was to facilitate the purchase and development of 9 houses in West Sussex.

The Borrower was an SPV (special purpose vehicle) formed for the purpose of developing the project, with the owner and the guarantor of the SPV having already undertaken 3 smaller developments.

The development comprised 3 detached and 6 semi-detached houses.

The loan will be repaid from the sale of units or refinancing on practical completion.

Introducer Jurisdiction of asset Type of loan
Barstow Bradstock Associates Sussex, UK Development
Amount of loan Term GDV
£2,618,000m 18 months £4,265,000m
Min loan term LTGDV LTV
10 months 22% at outset 61% on completion 77%

Certainty and professionalism ready when you are

To discuss a potential case please contact:
Richard Whitehouse in front of bookshelf

Richard Whitehouse

Managing Director (UK)

T+44 (0)207 022 6528

M+44 (0)7940 561 650

E

LinkedIn
Headshot of Jaxon Stevens

Jaxon Stevens

Head of Sales (South, UK)

M+44 (0)7961 411671

E

LinkedIn
Headshot of Bob Rowbotham

Bob Rowbotham

Director of Business Development (South, UK)

T+44 (0)207 062 3750

M+44 (0)7715 648 516

E

LinkedIn
Headshot of Barry Dillon

Barry Dillon

Business Development Manager (North, UK)

T+44 (0)207 022 6528

M+44 (0)7483 425483

E

LinkedIn
Headshot of Steven Darbyshire

Steven Darbyshire

Business Development Manager (North, UK)

T+44 (0)207 022 6528

M+44 (0)7483 131 363

E

LinkedIn
Risk Warning: You could lose all or part of your capital. Indicated returns, unless otherwise stated, are shown before any provision for bad debts and may be subject to tax.

Funding through Sancus is entirely at your own risk and the decision whether or not to is solely yours. The return on any funding opportunity is dependent on a number of factors and cannot be guaranteed. We cannot give assurances as to the creditworthiness of any borrowers, the collectability of any repayment, the quality and accuracy of any information obtained in respect of any funding opportunity or the enforceability of any security. In the event of a default, the timescales and outcome of any recovery is inherently uncertain. By using the platform, you knowingly accept the foregoing risks and you further accept that the role of Sancus is limited to providing an online marketplace for users and that information obtained from Sancus does not constitute legal, financial, tax or other advice or recommendation in relation to a funding opportunity, and you will conduct your own research and form your own opinion as to whether or not to participate in a funding opportunity. There is no recourse to the Financial Services Compensation Scheme, or other such government run compensation schemes. The UK platform is operated by Sancus Lending (UK) Limited, a UK incorporated company which is authorised and regulated by the Financial Conduct Authority, firm reference number 593992.