Mezzanine Finance
Do you need finance to continue with your property development plans, but you are struggling to convince the mainstream banks to invest in you? Our mezzanine finance service can help.
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Mezzanine finance to get your property development over the line
Keep your property development project moving with short term financial assistance in the form of flexible mezzanine finance.
All made possible by the power of the crowd.
What is mezzanine finance?
Mezzanine finance is effectively a type of business loan that helps a property developer in a range of different scenarios. Normally, this is to overcome a short term problem where you need extra capital fast to continue funding your project.
Mezzanine loans are usually paid back in one lump sum, usually from the revenue generated from the sale of completed development.
Why is mezzanine finance helpful?
In property development you can be faced with a number of scenarios where you need finance quickly, but your circumstances may mean that you don’t qualify as a credible investment vehicle for a traditional bank.
Alternative finance is ideal for those who need cash quickly but don’t want to have to jump through hoops or pay extortionate fees and interest rates to get it.
The benefits of mezzanine finance
We know that the UK needs properties and there are people wanting to develop them. So let us be the link that brings all this together and introduces practical property development funding to property developers.
All made possible by the power of the crowd.
Equity as security Banks may be hesitant to give access to finance for a development that requires a lot of work. We counteract this by using equity as a form of security if the loan can’t be repaid.
Simple repayments We factor your interest payments into the balance of the loan, leaving you with a simple and manageable lump sum figure and a repayment date that is easier to aim for.
Easy to restructure If you are having trouble securing a mortgage in the short term, mezzanine finance can help keep your plans moving. This debt can then easily be restructured when you eventually secure other finance.
Controlled interest If there’s a problem and payment terms are missed, interest can often be deferred due to the existing equity stake, which means you don’t have to worry about spiralling interest costs.
The facts and figures of our typical deals
70% maximum LTV
Finance from £25,000 - £5,000,000
Avg funding time of 28 days
Preliminary decisions reached in 48 hours
How much can I borrow?
When using UOWN as your mezzanine finance provider, you will typically be able to secure a loan of up to 70% of the property’s value.
A number of factors will dictate the amount we can lend you, including your experience as a developer, the size of the deposit you can contribute, and the location of the property in question and its attractiveness to the market.
Apply for mezzanine finance.
Funding is available for new build projects on land you have to develop or for heavy refurb opportunities where you need extra finance quickly.
In scenarios where a developer has land, it is strongly preferred that all planning permission and the necessary legal obstacles have already been taken care of.
So if you complete the form to request your funding, we can start talking straight away, and you can let the power of the crowd take you where you want to go.
Mezzanine finance FAQs.
Do I need to be an experienced investor/developer to list a project through UOWN?
What factors do you consider when deciding whether or not a development should be listed on the UOWN platform?
Is there a limit on how much a developer can borrow through UOWN?
What happens if I can't repay?
UOWN is a platform offering anyone the ability to invest and potentially earn money from property at the click of a button. Giving the ownership of UK property back to the people.
Help and Resources
UOWN is a trading name of U Own Exchange Limited. UOWN, 3rd Floor, Northgate, 118 North Street, Leeds, LS2 7PN
House prices can fall as well as rise and you may not get back all of the money you invest. Rates of return quoted on our website are estimates only and are not guaranteed. Investments are not protected under the Financial Services Compensation Scheme.
For more details please see our in depth risk statement.