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Capital Advisory

Senior debt, mezzanine, development finance and refinancing, matched to real lender appetite, not headline terms.

Approach

An honest read on fundability, first

We test whether a project is fundable on the terms you're expecting. If it isn't, you hear that immediately.

Capabilities

What we arrange

01

Debt Placement

Borrowers connected to the right lending partner across senior, mezzanine and whole-loan facilities for income-producing and transitional assets.

  • Senior investment debt
  • Mezzanine and stretched senior
  • Whole loan and pari passu structures
  • Refinancing and restructuring
02

Development Finance

Support across the debt stack, from land acquisition through construction and on to investment refinancing.

  • Land acquisition and bridging
  • Senior development loans
  • Mezzanine development finance
  • Forward funding and pre-sale structures
Deal calculator

Test the numbers before you speak to anyone

Pick the product and enter your figures. Leverage and indicative cost update as you type, with no email address needed.

Your numbers

Results update as you type. Nothing is sent anywhere until you choose to enquire.

Indicative 8.0% to 11.5% per annum on drawn funds, plus a 1.5% to 2.0% arrangement fee.

Indicative output

Loan to GDV52.3%Guide cap 65.0%
Loan to cost81.0%Guide cap 85.0%
Binding constraint
Loan to cost
Guide maximum facility
£3,570,000
Average drawn balance
£2,380,000
Interest on a staged drawdown
£285,600 to £410,550
Arrangement fee
£51,000 to £68,000
Exit fee
£34,000
Cash for costs not covered by the loan
£800,000
Cash required including interest and fees
£1,136,600 to £1,278,550
Profit before finance costs
£2,300,000
Profit after finance costs
£1,787,450 to £1,929,400

Interest is modelled on a progressive drawdown, with roughly 40% of the facility drawn at completion for land and the balance drawn evenly across the build programme. A flat calculation on the full balance would overstate the cost materially.

Cash required assumes you pay interest and the arrangement fee yourself. The exit fee is paid from sale proceeds. If interest and fees are rolled into the facility instead, loan to cost rises to 89.0% to 92.3%.

Want a real view on £3,400,000 of development finance?

Send these figures through and we will come back with the lenders realistically in the market for it, and what they will actually price at.

Send these figures to us

Indicative guide figures only. This is not a formal offer of credit, a quotation or financial advice. Rates, fees and leverage vary by lender, asset, sponsor experience and exit, and final terms are subject to underwriting, valuation and lender approval. TMP Land Consultants Ltd is not authorised or regulated by the Financial Conduct Authority and only arranges non-regulated commercial facilities.

Regulatory note: TMP Land Consultants Ltd is not authorised or regulated by the Financial Conduct Authority and only offers non-regulated services. We work with commercial and investment borrowers only and do not arrange regulated mortgages, regulated consumer buy to let agreements or any other regulated activity. We advise and introduce commercial debt enquiries to HyLend Limited, a credit broker and full member of the NACFB. HyLend is our preferred partner for commercial debt brokerage, but we are not limited to them. HyLend arranges non-regulated commercial finance only, and we may receive a share of HyLend's fee. Nothing on this page is an offer of credit or financial advice, and all figures are indicative and subject to underwriting, valuation and lender approval. Read our regulatory information.

Capital advisory

Need debt for the next scheme?

Outline the project and how much you would like to borrow. We'll tell you what's achievable and who the realistic audience is.