Crestbridge Property Finance arranges finance for both commercial and residential property. Our team of qualified chartered surveyors advises investors, developers and owner occupiers and our service is designed to deliver competitive financing solutions, tailored to the specific needs of individual projects.
Our approach is founded on rigorous financial analysis and involves preparation of a comprehensive presentation describing the property and financing requirement, which is then targeted at selected financiers.
The key to successful placement is transaction management, starting with negotiation of terms and control of the valuation process, through to credit approval and legal documentation. We also add considerable value by using our 30 years of experience to negotiate the assumptions used by financiers, analyse cash flows to test compliance with financial covenants and ensure commercial terms agreed are correctly reflected in documentation.
We have sourced senior debt since before the property crash of the early 1990s and, with so many property acquisitions financed by third party debt, it is of increasing importance. Not only do we help younger and smaller borrowers who are only rarely in the market, but also institutional borrowers who value our specialist expertise in this area. We are constantly in touch with all active lenders in the market, understanding both their style of operation and what differentiates them, so that clients can make informed choices. Whilst the pricing of loans is fundamental, delivery of timely approvals, financial covenants, security packages and flexibility are all also integral to the deal.
Mezzanine & Equity
With the recent proliferation of debt funds, third party mezzanine and equity is increasingly available particularly for development projects. Our analytical approach in presenting borrowers and properties pays dividends when it comes to raising finance over and above that available by way of senior debt.
Analysing opportunities and advising on finance options
Introducing relationship lenders including debt funds
Negotiating debt at competitive pricing for development and investment loans
Managing transactions through the valuation and credit process
Ensuring delivery through competition