We specialise in providing tailored loan solutions for professional residential property developers. We offer choice and value, including variable and fixed rate options up to 70% LTGDV on loans between £3m to £40m. Our team of property professionals are expert in structuring the right finance solutions for your project – whether you have land with planning, are undertaking a permitted development, or are converting an existing building.

Specific Lending Criteria


1st legal charge, guarantees

Interest rate option

Fixed and variable options available. See Atelier's Minimum Rate Card.

Treatment of interest

Rolled or serviced

Gross loan to GDV

70% with discretion to go higher

Max loan to total cost

Max loan to cost 90%

Min/Max loan term

12-36 months

Min/Max loan size

£3m - £40m

Third party mezzanine and second charges




Geographical lending areas

England, Scotland & Wales

Mixed schemes



By arrangement

Minimum interest

Typically, 3 months

Current 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

Minimum Rate Card

Loan term up to 36 months - Base Rate Tracker
Up to 60%Up to 65%Up to 67.5%Up to 70%
Bridging and Development FinanceBBR+6.25%BBR+6.50%BBR+6.75%BBR+7.00%

Fees will apply on a case-by-case basis.

Loan Solutions

Purpose-Built Student Accommodation

We work with professional developers of PBSA schemes across the UK, providing customised finance facilities that align with the unique requirements of PBSA development and support build programmes to meet academic intake dates.

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We specialise in providing lending solutions that can be customised to meet the unique needs and requirements of build-to-rent projects. We offer competitive variable and fixed rate options and terms, which will ensure optimisation of the project's financial performance and return on investment.

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We have extensive experience in providing finance solutions for care home developers and operators. Our facilities are structured to support every stage of your care home development project, from acquisition, development and stabilisation of the asset.

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We recognise the importance of fast decisions and approvals for short-term financing requirements that will enable you to act quickly. As a specialist lender, our team of lawyers, surveyors, and credit experts can craft custom and transparent lending solutions for property acquisition, planning gain, and developer exit.  You also have the benefit of being able to leverage our development finance expertise for longer-term finance requirements.

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Contact our originations team