What we do
Every development is different. So is every loan.
Whatever your finance requirements, we create loans to suit you. From a simple bridge to a complex development facility, our loans are structured around you and your needs.
We don’t ‘do’ set products. Instead, we structure loans around the unique requirements and circumstances of those investing in the project.
We will consider loans for every kind of property project but are especially keen to lend to developers who want to make a difference, whether through urban regeneration, upcycling or brownfield development, and who do so transparently, responsibly and sympathetically.
By creatively blending relationship and real estate expertise with leading edge technology, we are able to provide innovative loan structures, and where needed, a little extra leverage, to give our borrowers additional flexibility and firepower. Our maximum loan size is £20m and we offer rolled and serviced interest options.
Ground-Up Development
Atelier works with experienced developers who require finance to develop new homes from the ground up.
Our in-house team of lawyers, surveyors and credit experts cuts through complexity to craft custom lending solutions that are precisely tailored to each borrower and project.
Once in place, our facilities cover the developer’s projected funding, enabling them to make seamless drawdowns and keeping the project liquid, funded and on track. And our professional team is always on hand to provide advice and assistance as the project progresses.
Projects building on urban brownfield land, as well as schemes with carbon reduction features and a focus on sustainability, are particularly welcome.
Security
1st legal charge, guaranteesInterest rate options
Fixed and variable options available. See Atelier's Minimum Rate Card.Security types
Residential, Mixed Use, Student, Care Homes, HotelsTreatment of interest
Rolled or servicedGross loan to GDV
70% with discretion to go higherMax loan to total cost
90%, 100% development costsMin/Max loan term
12-36 monthsMin/Max loan size
£3m - £20mThird party mezzanine and second charges
ConsideredRefinance
YesGeographical lending areas
England, Scotland & WalesMixed schemes
YesFees
By arrangementMinimum interest
Typically, 3 monthsCurrent lending preferences
- Professional developers with a track record of similar developments
- Apartments with access to outside space
- Terraced, semi and detached housing schemes
- Purpose built student accommodation
- Private rented schemes
- Urban and brownfield locations
- Sustainable energy efficient features
- Good projects requiring extra leverage
Permitted Development
Permitted development is an exciting and integral part of the UK real estate landscape, and has opened up countless opportunities for developers to reinvigorate and repurpose existing buildings. By using existing structures, PD projects can prevent new carbon emissions compared with building a development from scratch.
Permitted development often presents unique risks and challenges. Our in-house team of lawyers, surveyors and credit experts is experienced in navigating these risks and in crafting bespoke lending solutions calibrated to each individual project and borrower.
Once in place, our facilities cover the developer’s projected funding, enabling them to make seamless drawdowns and keeping the project liquid, funded and on track. And our professional team is always on hand to provide practical advice and assistance as the project progresses.
Security
1st legal charge, guaranteesInterest rate options
Fixed and variable options available. See Atelier's Minimum Rate Card.Security types
Residential, Mixed Use, Student, Care Homes, HotelsTreatment of interest
Rolled or servicedMax gross loan to GDV
60% commercial 70% residential with discretion to go higherMax loan to total cost
90%, 100% development costsMin/Max loan term
6-36 monthsMin/Max loan size
£3m - £20mThird party mezzanine and second charges
ConsideredRefinance
YesGeographical lending areas
England, Scotland & WalesMixed schemes
YesFees
By arrangementMinimum interest
Typically, 3 monthsCurrent lending preferences
- Professional developers with a track record of similar developments
- Assets converting to residential
- Urban location with good local amenities
- Sympathetic and appropriate schemes typically under 50 units
- Good projects requiring extra leverage
Conversion & Refurbishment
Reinvigorating and repurposing existing buildings is an efficient and sustainable way to extend the useful life of real estate.
Just as every project is different, each scheme presents unique risks and challenges. Our in-house team of lawyers, surveyors and credit experts is experienced in assessing these differences and can craft custom lending solutions that are unique to the asset and the project’s building programme.
Once in place, our facilities cover the developer’s projected funding, enabling them to make seamless drawdowns and keeping the project liquid, funded and on track. And our professional team is always on hand to provide practical advice and assistance as the project progresses.
Security
1st legal charge, guaranteesInterest rate options
Fixed and variable options available. See Atelier's Minimum Rate Card.Security types
Residential, Mixed Use, Student, Care Homes, HotelsTreatment of interest
Rolled or servicedGross loan to GDV
60% commercial 70% residential with discretion to go higherMax loan to total cost
90%, 100% development costsMin/Max loan term
9-36 monthsMin/Max loan size
£3m - £20mThird party mezzanine and second charges
ConsideredRefinance
YesGeographical lending areas
England, Scotland & WalesListed or conservation
Yes, subject to detailsMixed schemes
YesFees
By arrangementMinimum interest
Typically, 3 monthsCurrent lending preferences
- Professional developers with a track record of similar developments
- Residential and commercial including HMO
- Established locations with similar properties nearby
- Light, medium, and heavy refurbishments
- Good projects requiring extra leverage
Bridging
Atelier recognises the importance of rapid liquidity during the real estate journey. The need to ‘bridge’ from one stage to next, often as value is added and the project takes shape, is vital to maximise the opportunity and reduce risk.
Atelier understands this, so our team of lawyers, surveyors, and credit experts is on hand to craft custom lending solutions that are precisely tailored to the project, the stage it is at and what the finance is for.
Typical bridge uses include acquisition, auction, planning gain, and developer exit.
Security
1st legal charge, guaranteesInterest rate options
Fixed and variable options available. See Atelier's Minimum Rate Card.Security types
Residential, Mixed Use, Student, Care Homes, HotelsTreatment of interest
Rolled or servicedMax gross LTV
60% commercial 70% residential with discretion to go higherMax loan to total cost
90%Min/Max loan term
6-12 months typically, discretion for longerMin/Max loan size
£1m - £15mThird party mezzanine and second charges
ConsideredRefinance and Re-bridging
YesGeographical lending areas
England, Scotland & WalesListed or conservation
Yes, subject to detailsMixed schemes
YesFees
By arrangementMinimum interest
Typically, 3 monthsCurrent lending preferences
- Professional developers with a track record of similar developments
- Additional planning gain
- Auction
- Developer exit
- Residential, commercial, mixed-use including HMO, Hotels, Leisure, Retail, Care Homes, with a particular appetite for assets with residential planning consent
Land with Residential Planning Permission
The ability to finance land is an essential component in the real estate value journey and Atelier is well placed to help.
Land deals can range from a simple parcel of land to more complex land aggregation and land banking transactions. Atelier’s team of lawyers, surveyors, and credit experts is ready to craft custom lending solutions that are unique, regardless of the purpose, reason, or stage at which the finance is required.
Brownfield land in urban locations, and a focus on sustainability, are particularly welcome.
Security
1st legal charge, guaranteesInterest rate options
Fixed and variable options available. See Atelier's Minimum Rate Card.Security types
Residential, Mixed UseTreatment of interest
Rolled or servicedMax gross LTV
60%Max loan to total cost
90%Min/Max loan term
6-12 months typically, discretion for longerMin/Max loan size
£1m - £15mThird party mezzanine and second charges
ConsideredRefinance and Re-bridging
YesGeographical lending areas
England, Scotland & WalesListed or conservation
Yes, subject to detailsMixed schemes
YesFees
By arrangementMinimum interest
Typically, 3 monthsCurrent lending preferences
- Professional developers with a track record of similar assets
- Land with residential planning consent with a preference for housing schemes
- Urban and established locations
- Opportunities with detailed plans and costing for development available
- Land where the local area will benefit from development
Introducing Atelier Carbonlite Challenge.
True to our guiding principles to be bold, brave and better, we are proud to bring to market an innovation that supports and rewards ambitious developers who want to reduce the carbon footprint of the homes they build.
With Atelier’s Carbonlite Challenge sustainable development loan, our ambition and our challenge are to cut carbon in the built environment, by seamlessly connecting capital seeking low-carbon opportunities with the most ambitious low-carbon property developers.
It’s this simple: the more carbon-neutral your scheme is, the more you are rewarded financially. Happy capital and happy homeowners, enhancing your reputation while helping the planet and driving the UK forward in its quest to get to net zero.
Security
1st legal charge, guaranteesSecurity types
Residential only in pilot phaseTreatment of interest
Rolled or servicedGross loan to GDV
70%Max loan to total cost
90%, 100% development costsMin/Max loan term
12-24 monthsMin/Max loan size
£3m - £10mThird party mezzanine and second charges
ConsideredGeographical lending areas
England, Scotland & WalesCURRENT LENDING PREFERENCES
- Projects designed by a RIBA architect and supported by a professional team capable of providing data relating to energy, carbon and sustainability
- Professional developers with a track record of ground-up developments
- Smaller developments of residential houses and apartments
- Urban and brownfield locations