No Deposit Property Finance

100% Funded Deals – Unlock Equity. Preserve Cash. Deliver Projects.
A structured property finance solution designed for experienced developers and investors who want to maximise leverage using equity held within existing property assets.
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  • Ground up developments
  • Refurbishment projects
  • Clear sale exit required

100% Funding

Loan Size: £100k - £3m

Loan Term: 6 - 18 months

How No Deposit Property Finance Works

Our No Deposit Property Finance product is designed for experienced property developers and investors who have equity within existing property assets that they want to unlock to fund their next project.

By taking additional security over properties held within a client’s portfolio, we can provide 100% FINANCE for development and refurbishment transactions where clients wish to reduce or replace large upfront cash deposit requirements.

This enables experienced developers to continue scaling projects while preserving working capital and maintaining flexibility across their wider portfolio.

Key Features

  • 100% FUNDED property deals
  • Leverage existing assets and preserve cash
  • Fund the purchase and development of your next property
  • Loan size from £100k - £3m
  • First and second charge and equitable charge options available
  • Ground-up developments and refurbishment projects considered
  • Loan terms from 6 - 18 months
  • Clear sale exit required

What are the Benefits of No Deposit Property Finance?

Preserve Working Capital for the Project

The deposit is often the largest single upfront cost. By using portfolio equity instead, the developer keeps cash in the business, supports cashflow and working capital requirements on the project and maintains flexibility.

Continue Scaling Without Selling Assets

Selling a property to fund a deposit towards your next project means losing future income, paying estate agent and other professional fees, and incurring capital gains tax. Using equity as security avoids all of these.

Access Competitive Pricing with Strong Security

Not every development finance loan is priced the same. Where a borrower’s residential home and portfolio have significant equity, we can take charges over these assets. This allows for pricing that is competitive.

Fast, Flexible, and Transactional

The borrower already owns their residential home and portfolio – so there is no need to arrange sale, agree terms, or complete a separate related transaction. We can move quickly because the assets are known.

Lending Process

Initial Enquiry & Assessment

Exploratory conversations focusing on developer experience, feasibility, and building mutual trust. Sets a solid foundation for smooth project delivery.

Structuring the Facility

Funding structured up to 100% of land + 100% of build costs with additional security.

Due Diligence & Legals

Detailed review of the properties and project. Protects project delivery and the Lender’s security package.

Drawdown Execution & Monitoring

Phased release of funds aligned with construction expenditure, closely monitored by our team.

Project Exit / Loan Repayment

Achieved through the sale of the developed property.

Additional Security – supporting security may be considered over:

  • 2nd charge on residential home
  • Buy-to-let portfolio
  • Residential investment properties
  • Selected semi-commercial assets