Property development finance. The new norm in funding
> One-stop funding partners
> SME SPECIALISTS
> DATA DRIVEN
> FAST AND FLEXIBLE
In today’s ever-changing markets, it’s not business as usual
Due to a highly fragmented landscape, property development finance has become more complicated and demanding than ever.
We help developers who know their local markets but need access to capital, offering flexible solutions across the capital structure to help effectively scale their projects and grow their businesses.
Does this sound familiar?
> Increased upfront capital required
> Multiple funders for each development
> Slow, inflexible process
> Increased opportunity cost
Today’s developer needs a bigger toolkit of specialist financial skills. We combine development experience with data-driven analytics to help you make better decisions.
We are entrepreneurial, deal-driven and move quickly to provide the funding you need to seize opportunities.
Small-Ticket Market Lender of the Year – Nominated
Real Estate Capital Awards 2020
Your equity stretched further
Your exposure reduced
Time and uncertainty saved
“Hilltop provides one-stop property development finance for up to 90% of the project cost or 75% GDV. We eliminate the uncertainty and cost associated with multiple sets of legal documents, surveyor reports and professional agreements.”
Saam Lowni
Head of Origination
Our senior management team is financially committed to your project and our returns come from its completion – success matters as much to us as it does to you
Smart Capital – all your property development finance under one roof
Secure sites, build and sell homes in a fast, cost-efficient manner. Hilltop’s funding process is focused uniquely on your business.
We provide up to 75% LTGDV / 90% LTC of your project all under one roof.
This eliminates the time, uncertainty and cost associated with multiple professional agreements and legal documents.
We make life a lot simpler for residential developers
By developers,
for developers
Hilltop are founded and run by developers with more than 25 years’ experience working through market cycles. We know what it’s like being in your shoes. We know how important it is to react to the inevitable market changes that occur during a project.
Because we lend deeper into the capital stack, we assume more of the risk and are fully aligned with you. We do more upfront ensuring your development is viable and, if something goes wrong, work with you to right it. We’re a true funding partner, not just another property development finance company.
Up to 75% LTGDV – key funding features
Key Lending Criteria
Borrowers: Established small and mid-sized UK residential developers with demonstrable track records (including student and supported living)
Planning Permission: required, although application can proceed pending planning permission
Developer equity: 10% (credit may be given for equity in land or similarly contributed collateral, at fair market value)
Leverage: Up to 90% Loan to Cost and up to 75% Loan to Gross Development Value*
Loan Size: From £2 million to £50 million
Rates: From 8% on drawn capital, paid at maturity
Loan term: Between 12-24 months
* Possible to 98% LTC with private equity partners
Why choose Hilltop?
Product
Unrivalled leverage – up to 75% LTGDV / 90% LTC
Speed
Move quickly with funds in as little as 6 weeks
Partnership
Exit-driven funding structure aligns us with you
Simplicity
Frees you to focus on your developments
Cost-effective
Minimal cash outlay helps grow and scale your business
Pedigree
Backed by partners with an $8bn global footprint
See what difference Hilltop’s property development finance can make to your bottom line. Register your interest below…
…and we’ll get right back to you.
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