Property Finance Guided by Experience and Structured for Results
LivFinance provides bridging loans, development finance, and other structured property funding solutions for investors, developers, and property professionals across the UK. With real understanding of development, construction, project viability, and lender requirements, we structure transactions clearly, move quickly, and provide certainty from enquiry through to completion.
Speak with our team to discuss your project, funding requirement, and next steps.
Our Services
Discover our range of financial solutions tailored to your needs. With over 60 years of expertise in property, LivFinance is your trusted partner for all your financial needs.
Unlock Property Development Opportunities with Rates Starting at 0.49%
Property development finance offers numerous advantages, making it an attractive option for funding your next project. Even if you have sufficient cash reserves, leveraging a development loan can provide significant benefits.
Advantages Of Development Finance
1. Increased Project Scale:
Access to dedicated property development funds enables you to undertake larger projects that might otherwise be beyond your financial reach. This allows you to expand your portfolio and explore new opportunities in the property market.
2. Improved Cash Flow:
By using development finance, you maintain a healthy cash flow throughout the construction and sale phases. This financial stability ensures that your operational costs are covered without depleting your reserves.
3. Simultaneous Project Funding:
Development finance allows you to initiate new projects without waiting for previous ones to sell. This access to essential capital ensures you won't miss out on lucrative development opportunities.
4. Higher Return on Investment (ROI):
With lower personal capital invested, your return on investment can be significantly enhanced. While financial costs will be deducted from your earnings, the reduced personal stake can lead to a higher ROI.
Additional Services
Discover how LivFinance can assist you with bank monitoring and valuation services, including quantity surveying, to facilitate the release of funds from lenders. Explore our comprehensive solutions tailored to meet your financial needs.
Types Of Security A Lender Can Take:
First Legal Charge
​A first legal charge, or first charge mortgage, is the primary claim against your property. It takes precedence over any other mortgages. If the property is sold or refinanced, this mortgage is paid off first. Typically, the loan used to purchase the property is secured by this first charge.
Second And Third Legal Charge
​A first legal charge, or first charge mortgage, is the primary claim against your property. It takes precedence over any other mortgages. If the property is sold or refinanced, this mortgage is paid off first. Typically, the loan used to purchase the property is secured by this first charge.
Personal Guarantee
​A first legal charge, or first charge mortgage, is the primary claim against your property. It takes precedence over any other mortgages. If the property is sold or refinanced, this mortgage is paid off first. Typically, the loan used to purchase the property is secured by this first charge.
Debenture
​A first legal charge, or first charge mortgage, is the primary claim against your property. It takes precedence over any other mortgages. If the property is sold or refinanced, this mortgage is paid off first. Typically, the loan used to purchase the property is secured by this first charge.
What's Our Process?
1. Initial enquiry from the client/ introducer to ourselves.
4. We propose the deal to the lender.
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7. We then complete the application form and any other documents required by the lender.
10. Both the lender and the client instruct lawyers
2. We complete our proposal form with the client.
5. If the lender accepts, they will issue an ‘acceptance in principal’
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8. A formal offer will be received from the lender. This is then signed by the client and sent to the lender
11. Completion
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3. We identify a suitable lender for the deal.​​
6. Client accepts the terms from the lender and signs them for us to send back to the lender.
6. Client accepts the terms from the lender and signs them for us to send back to the lender.
12. The deal has now completed!
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Client Stories
At LivFinance, we have helped numerous clients navigate the intricate process of financial decisions. Read the testimonials below to see what our clients have to say about their experience with us.
William Blackwell
LivFinance exceeded my expectations with their professional and efficient service. I highly recommend them for all your financial projects.
Helen Brown
Working with LivFinance was a game changer for our business. They connected us with high class lenders and private banks, securing us the best rates available.
Sean Adelson
I can't thank LivFinance enough for their exceptional service. They truly went above and beyond to find the perfect financial solution for me.
Real Results for Our Clients
At LivFinance, we pride ourselves on delivering tailored financial solutions that bring our clients’ visions to life. Here are some examples of how we’ve helped developers and investors secure the funding needed for success.
Large-Scale Mixed-Use Development – Central London
Funding Amount: £18M
Outcome: LivFinance secured advanced development finance for a high-value mixed-use project, enabling our client to complete this multi-phase development efficiently and maintain steady cash flow.
Residential Development – Greater Manchester
Funding Amount: £8M
Outcome: With our assistance in securing bridging finance, our client expedited construction timelines, resulting in early project completion and improved ROI.
Commercial Property Acquisition – Birmingham
Funding Amount: £1.5M
Outcome: LivFinance facilitated a swift commercial mortgage approval for a City-centre property, enhancing the client’s portfolio and revenue potential.
Build-to-Rent Apartments – South London
Funding Amount: £5M
Outcome: By securing flexible financing, our client successfully developed a profitable Build-to-Rent apartment complex, increasing long-term cash flow through rental income.
Luxury Residential Project – Surrey
Funding Amount: £2M
Outcome: LivFinance provided tailored development finance, enabling the client to complete a high-end residential project ahead of schedule, with strong demand and premium pricing upon sale.
Refurbishment of Commercial Spaces – Edinburgh
Funding Amount: £750K
Outcome: Secured refurbishment finance to modernise a commercial space, increasing property value and attracting high-quality tenants.
Joint Venture Development – East Midlands
Funding Amount: £4.5M
Outcome: By structuring a joint venture finance agreement, LivFinance empowered the client to co-develop a multi-use property, expanding market reach and maximising profits.
Small Business Expansion – Bristol
Funding Amount: £120K
Outcome: LivFinance arranged a fast-track bridging loan, allowing the client to expand their commercial property. This finance solution enabled the business to increase its capacity, enhancing revenue and setting the stage for future growth.
What Sets Us Apart
Tailored Solutions
At LivFinance, we offer customised financial solutions tailored to your specific needs. Our team of experts is dedicated to providing you with the best market rates and suitable options.
Expert Guidance
LivFinance prides itself on its professional approach and top-notch service. We ensure that every client receives expert guidance and unparalleled support throughout their financial journey.
Professional Excellence
Personalized Service
Customer-Centric Approach
LivFinance believes in providing personalised attention to each client. Our customer-centric approach ensures that you receive the best financial solutions tailored to your unique requirements.
On-Time Guarantee
Quality Assurance
LivFinance guarantees timely service and outstanding quality. With us, you can rest assured that your financial needs will be met promptly and efficiently.
