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Build-to-rent finance

Build-to-rent finance

You’ll need funding for your real estate project if you’re looking at the heavy refurbishment of an existing site or developing new build properties for renting. We specialise in Build-to-Rent finance for this type of construction development, with bespoke lending options available to you.

What is build-to-rent finance? 

Build-to-rent finance (sometimes known as BTR or B2R) is finance designed for properties developed explicitly for rental only.

Our build-to-rent loan supports you with the development or heavy refurbishment and subsequent retention of existing or proposed sites with suitable planning permission for operation as a build-to-rent asset.

Get in touch

Our expert team is here to guide you through your journey. Tell us about your needs, and we will be happy to help.

Contact us

If you already have a relationship with one of our team members please visit, Meet the team.

How to finance your build to rent project

Modern block of flatsA build-to-rent loan is based on various factors depending on whether the property type is a permitted development, a new build development, or the refurbishment of an existing property into a rental scheme. As well as being a UK-based borrower with a demonstrable track record of property development or investment, an agreement with a reputable build-to-rent operator will also need to be in place.

As a starting point, these factors will determine eligibility to qualify for our finance options:

  • Lend across mainland UK
  • The loan amount is between £2m-45m
  • You have relevant experience 

Various aspects are assessed during the application process, including property type, security, and tenure. 

Once all the above have been considered, funding is granted upon completion of the following steps: 

  • An on-site visit to discuss your requirements
  • We provide our non-credit-backed heads of terms
  • If you’re satisfied with our terms, sign and return
  • We submit to credit and receive a sanction 
  • Solicitors and valuers review all the legal requirements
  • You’re ready to drawdown your loan 

Key features

There are several features with our Build-to-Rent Finance product:

  • The loan amount is between £2m-45m with a maximum term of 60 months 
  • Max LTC is 80%
  • Max LTGDV is 65%
  • Funds are released against monitoring surveyor reports
  • Rolled interest with a bullet repayment on exit
  • The loan is subject to arrangement, flip and professional fees

Lending criteria

Property types

  • Permitted development, refurbishment, and newly built units, including houses, apartments and studios in low- or high-rise blocks

Borrower types

  • Individuals, partnerships, and UK corporate borrowing entities
  • UK-based ultimate owners
  • Experience demonstrable track record


  • First legal charge over the property
  • Collateral warranties
  • Debenture over the borrower
  • Assignment over build contract
  • Personal or corporate guarantees
  • Other security as required


  • Freehold or long leasehold

Other things to consider

  • An agreement with a reputable build to rent operator will be required
  • We expect a minimum cash contribution from the borrower of 10% of the total cost

How we can help you?

We’re dedicated to helping you achieve your development goals with lending solutions tailored to meet your specific project needs.

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We’re committed

We are committed to providing funding to help small to medium sized property developers and investors in the UK.

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We’re responsive

Our experienced team can deliver fast, flexible lending decisions.

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We’re reliable

As an established, well-funded and capitalised UK bank we will support investors’ and developers’ needs as they grow.

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We’re personal

Our relationship led approach means your Relationship Director will manage the process through the life of the loan.

We’re here to help guide you through your build-to-rent journey. Tell us about your needs, and we will be happy to help.