Bridging & Development Loans in Chelsea

Short-term and development finance for Chelsea, South Kensington and SW3 / SW10.

Prime areas such as Chelsea, South Kensington and Fulham often involve high-value acquisitions, refurbishments and developments where speed and flexibility are critical. Bridging loans and development finance can help you secure and improve assets before putting long-term finance in place.

We support investors and developers across SW3 and SW10 and, where advice is required, introduce you to FCA-authorised and specialist short-term brokers/lenders who understand prime London projects.

Where Bridging Finance Is Used in SW3 / SW10

• Prime and secondary auction or off-market purchases.
• Acquisitions requiring rapid completion.
• Funding high-end refurbishments and repositioning.
• Short-term equity release from existing assets for new opportunities.

Development Finance for Prime Projects

• High-spec refurbishments and reconfigurations.
• Conversions to luxury apartments (subject to planning).
• Smaller new-build schemes or airspace developments.

What Lenders Focus On

Project & Numbers

• Acquisition cost, build budget, professional fees and contingency.
• Projected GDV and profit target.
• Leverage levels (LTV, LTC) and sensitivity to price movements.

Exit Strategy

• Sale to end-buyers or investors.
• Refinance to mainstream, specialist or private bank facilities.
• Timescales, marketing strategy and demand.

Borrower & Structure

• Experience with similar prime schemes.
• Financial position and track record.
• Corporate/ownership structure and guarantees.

How We Work With You

1. Initial discussion: We review your project, timescales and funding requirements.
2. High-level overview: We explain where bridging and development finance can fit in the funding stack.
3. Introduction: We connect you with specialist short-term and development finance brokers/lenders who understand prime markets.
4. Exit thinking: We help you consider long-term refinancing or sale strategy post-completion.

Risks & Considerations

• Higher cost, short-term facilities suitable for projects, not long-term holding.
• Market risk – values and demand in prime areas can shift.
• Security and guarantees – property and guarantees may be at risk if the exit fails.

Our Status & FCA Disclaimer

We are not authorised to provide regulated advice on bridging or development finance. These facilities may be regulated or unregulated. We:

• Provide general information only.
• Introduce you to FCA-authorised and specialist brokers/lenders for advice, deal selection and structuring.
• Support you in aligning short-term funding with your broader property and wealth plans.

Useful Links

Commercial & Larger Loans · Buy-to-Let & Investment Mortgages · Remortgages · Contact Us

Bridging & Development FAQs — Chelsea

Can I combine development funding with private banking?

In some cases, yes – but it needs careful coordination. A specialist broker will work alongside your existing banking and advisory relationships.

Are interest and fees usually rolled up?

On many development facilities, interest and some fees are capitalised within the facility, subject to overall leverage and GDV.

Planning a Chelsea Project?

If you’re acquiring or developing property in Chelsea, South Kensington or SW3/SW10, get in touch to explore funding options with a specialist.