Bridging, Development and Commercial Lending

The right product for each strategy, and the true cost

Many declines happen because the wrong product was taken to the wrong lender for the wrong strategy. This book explains how to match bridging, development and commercial finance to what you are actually doing, and what each really costs. It starts with the distinction that explains most declines, then shows why finance and permissions are joined, especially in development. The contracts chapter explains why, in commercial property finance, the contract is the product, and where money is saved or lost. You will see the duties a lender expects you to meet once money is drawn against a property, and why the structure you borrow through is more than a tax question. A compliance chapter explains the lender's own legal obligations so you can present yourself well and get faster answers, and the final chapter is honest that these products are powerful precisely because they cut both ways. Next in this series: “A Finance Strategy for Growth”.

What’s inside

• The legal framework in plain English
• Permissions, licensing and planning
• The contracts, and what must be inside them
• Insurance, safety and your legal duties
• Tax treatment and choosing a structure
• Your compliance checklist
• Getting this wrong: what it actually costs

Educational material only, not financial, legal or tax advice. Results are not typical and are not a guarantee of income. Freedom Property Academy LTD, registered in England and Wales.