Experiential knowledge is invaluable in the property market. At UOWN, we focus on the potential of every project. This is why our team of experts appraise projects and those running them to determine the creditworthiness of the company and ability to repay. Thus, we prefer to list projects that have experienced developers undertaking them.

As a duty of care to protect our borrowers, we ensure that all projects comply with FCA (Financial Conduct Authority) regulations. We also carefully assess every project contextually and against KPIs (Key Performance Indicators). We require all our projects to have planning permission. We assess projects based on key performance factors such as the Profit on Cost, Loan to GDV, Loan to Value and Loan to Cost and the returns we can give to our investors.

We aim to loan between £25,000 and £5 million per project.

UOWN takes a legal charge over the property and therefore has the right to repossess in debt funded projects. In the case of equity based deals we have step in rights to be able to try and recoup value from a project and to take over the running of the project to see it through to the best conclusion possible for our investors.

This measure will only be used as a last resort and we will work with you to find acceptable repayment methods or help complete the project. If you show no signs of reasonably being able to repay the loan or deliver the project then your property could be at risk of repossession. Please refer to our risk statement.