Specialist commercial to residential conversion finance with flexible loan sizes. Competitive rates, experienced guidance, and access to the right lenders for your scheme.
The conversion of redundant commercial buildings into residential units is one of the most active areas of UK property development. Permitted development rights — particularly Class MA (commercial to residential) — have opened up a significant volume of opportunity, and specialist lenders have developed products to match.
Permitted Development (Class MA) conversions are generally faster and cheaper — no full planning application is needed, just prior approval from the local authority. Lenders are broadly comfortable with PD conversions, though they will check the prior approval carefully for any conditions that could affect the exit.
Full planning permission gives more certainty and more flexibility in design — and is required for larger or more complex schemes. Lenders typically prefer full PP where possible as it reduces planning risk.
The commercial-to-residential conversion market moves fast. Getting your finance structured correctly from the outset — particularly around how the existing building's value is treated — can significantly improve your returns.
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