Finance Options

Summit Architecture is pleased to offer financing solutions for our clients, for both residential and commercial property works. If you are looking to raise short or longer term property finance in the UK, we can help. We serve London and surrounding areas.

Our finance service can include :

  • Making your property transaction happen
  • Accessing some of the best rates in the market
  • Help get you fast bridging finance, if you need to move quickly
  • Replacing high-interest bridging finance with more affordable long-term finance solutions
  • Excellent customer service

Solutions For Your Scenario

There are a variety of scenarios where you may require funding for an investment property.
Light Refurbishment Loans

Bridging finance is often required for properties where no planning permission or building regulation compliance is required, or where there is no change to the overall use or nature of the premises.

  • Uninhabitable property – where standard mortgage companies will not lend on a property that is uninhabitable. A bridge loan can be a good way of providing the light refurbishment required to allow long-term finance to be put in place.
  • Under “Permitted Development Rules” – light refurb or renovation short-term finance can provide the funding required to allow a change of use (e.g. offices into residential flats)
  • Wind and watertight – can provide finance that allows properties that are “wind and watertight” to be taken through to completion
  • Internal redecoration – funding for internal refurbishment to finance redecoration, fitting a new kitchen or bathroom, etc.

Being able to move quickly often makes all the difference in securing a property. Call our finance team to discuss a bridging loan or any other solution you might need.

Heavy Refurbishment Loans

Likewise, bridging loan finance is often required for properties where planning and or building regulation compliance is required, or where there is a change of use in the nature of the building premises.

  • Basement excavations/digs – work of this nature often has structural implications but can add significant value to a property
  • Loft conversions – many developers are converting loft space into extra living space to get more value out of their property
  • Property extensions – a simple way to add value
  • Single unit to multi-unit conversions – conversion to flats or HMO
  • Multi-unit to single unit – varies widely, depending on the property
  • Barn conversions – bespoke deals for unusual properties
  • Commercial to residential use – a growing area for developers, particularly converting light commercial property over to homes and flats
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Business Bridging Loans

Where a property or land is being purchased for business purposes and speed is of the essence. A lender may be happy to either lend on the asset in question or on the strength of the business balance sheet.

  • Acquisition of a building or land where speed of funding can make all the difference – for example, a farming business might have a short-term opportunity to buy additional land due to a distressed sale
  • VAT funding
  • Short-term trading funding
Second Charge Bridging

A second charge bridge loan could be on a regulated or unregulated basis. These loans are common where the property has an existing mortgage (first charge), and capital needs to be raised for:

  • Home improvements – extensions, loft conversions, etc
  • Deposit for second property purchase – investment property, buy to let, etc
  • Business purposes – funding new business properties
  • Tax payments – Inland Revenue bill for CGT, etc
  • Purchasing land or development – financing to add additional property onto an existing plot

Get in touch!

Book in for a casual, no obligation chat with one of our consultants who can talk you through each process of your project and how best Summit can help.

Get in touch!

Book in for a casual, no obligation chat with one of our consultants who can talk you through each process of your project and how best Summit can help.

Overview of Services

The Summit scope of services you will need to complete your project

Our Reviews

What you can expect when working with our dedicated team.
Initially we contacted Summit Architecture as we weren’t sure if a wall in our flat was supporting. Along the way we wanted further advice on vaulting the ceilings and on the cause of cracks to the back of our building. Oliver got back to our initial enquiry the same day, gave us some initial advice based on photos we sent him, and then conducted a site visit. He went above and beyond in terms of service, and was happy to have a look at other structural issues we were concerned about. He produced full calculations for the ceiling and wall, and advised on the cause of the cracks and repairs necessary. The service was first class, with a quick turn around on the calculations and drawings, and excellent communication throughout. We would definitely use his services again.
William Kelly
William Kelly
We first met Oliver at another property, which we didn't purchase in the end but decided to go ahead with Summit Architecture because of how enthusiastic he was when we first met him. We didn't end up having Oliver design our build, as the area we moved to was no longer covered by him but have ended up with some plans we are very happy with. Summit have been great at updating our plans regularly, due to changes required by our builder and they have been to quick respond to these changes. We must also give huge praise to Nicolette, who has not only been great at keeping us updated throughout the process, regarding our plans but she was also a key part in helping overcome issues we had with our Party Wall surveyor. We had a number of communication issues with our Party Wall surveyor and she went above and beyond to ensure we received the report from him. Nicolette didn't need to do this for us but was very willing and happy to do so and for that we are very grateful. Thank you!
Shaun Terson
Shaun Terson
Great working with Eleni & the team. Really pleased with the drawing designs and the advice offered regarding the local authority planning permission. Looking forward to the rest of the process and hopefully starting the build soon!
Kieran Matthews
Kieran Matthews
Oliver and Summit Architecture helped me with the structural drawings and calculations for my project, as well as delegating drawings for my Thames Water build over agreement. As a whole, Summit Architecture were professional throughout and very easy to deal with; and in a project like mine (house to flat conversion), delegating him these vital duties was the best decision I made. Oliver is his team are very responsive, and always available if needed; most importantly, they have a wealth of knowledge and have great contacts for building phase. Will definitely turn to Oliver and his team in the future for further projects.
Shahir Uddin
Shahir Uddin
Seamless and first class service!I’ve been extremely impressed by the service delivered by Summit. The team made the whole experience very smooth and painless. At times, it felt like being on a conveyor belt effortlessly being passed on from one member of the team to the next for support at the various stages, taking away all the pressure and anxiety of having to think about the next step myself, I felt in safe hands. I'd like to particularly thank Nicolette who was an absolute gem and a mine of information, responding to emails outside office hours and always finding a response to my queries, and also Hania who helped me with the Scope of Work. Jamiul provided very helpful and expert advice to get the planning application approved, and all other members of the team were equally efficient. I have managed to find a builder through Nicolette and I’m very excited to have a start date for my project. I highly recommend Summit Architecture, first class service, lovely friendly team. Would definitely use them again!
Isabelle Jourdan
Isabelle Jourdan
Couldn't be happier with the level of service I received from these guys. Professional, reliable and went above and beyond for us. Highly recommend.
Jas Verdi
Jas Verdi
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Book in for a casual, no obligation chat with one of our consultants who can talk you through each process of your project and how best Summit can help.