News & Insights

SME property developers should act now to capitalise on market opportunities – new Atelier research reveals

Insights

Welcome to ‘Past performance, points to future potential’ – our latest research report.

Offsite and modular must be made to work for SME developers

Press

One year on from the launch of our modular construction lending framework, our Head of Business Operations Reece Lake, shared his thoughts with Construction News.

Shaping the ideal development finance deal should not be a guessing game – trusting in transparency and collaboration

Press

Alan MacLeod, director of credit, and Martin Gilsenan, chief originations officer at Atelier, explore why there will be plentiful opportunities in the residential development finance market in 2024.

Hot deals in cold spots

Press

CEO Chris Gardner and Chief Originations Officer Martin Gilsenan feature in an exclusive interview with Bridging & Commercial magazine

Atelier provides £9.8m loan to refurbish vacant North London care home

Press

Specialist development finance lender Atelier has completed financing to assist with the acquisition and refurbishment of a vacant care home in New Southgate, North London.

Director of Credit Alan MacLeod discusses Atelier’s approach to risk.

Blog

For our latest blog, we asked Alan MacLeod, Atelier Director of Credit to reflect on what differentiates our approach to risk management, and how his team plays an integral role in the success of clients’ projects. Over to Alan….

Torsion Group secures £26.2m PBSA loan from Atelier

Press

Atelier has completed a £26.2m gross loan to Torsion Group

Q&A - Chris Gardner & Dr Nicole Lux

Insights

Going into 2024, what do astute lenders and developers need to know about the latest data from the Bayes CRE Lending Survey?

Two care homes secure multi-million-pound loans from Atelier

Press

The two development loans provide £14.6m to build a new 131-bed home in West Yorkshire and £9.3m for a 60-bed home in Cheshire.

Forget the credit crunch, it’s the equity crunch we should be talking about

Blog

2023 was certainly no walk in the park. I’ve even heard it described as the most challenging year for the development finance market since the Global Financial Crisis of 07-09.

Tackling Scotland’s housing shortage: key challenges to overcome in 2024

Press

Bruce Robertson, Scottish Lending Manager at Atelier talks to Scottish Business News

Lender urges industry to bring 95% LTV lending back

Press

Chris Gardner, Joint CEO at Atelier calls for mortgage lenders to step up and offer 95% loan-to-value mortgages to help tackle the housing crisis.

Why choice has never been so important for SME property developers

Insights

Atelier was founded to provide development finance solutions that SME developers can depend on. As we look to 2024, the development finance market is entering a period of transition. Choice matters more than ever.

Property development market faces 'gradual and uneven' impact after Sunak scraps rest of HS2 project

Press

Chris Gardner, Joint CEO at Atelier, advises Development Finance Today that “The ramifications of the prime minister’s decision will be significant

Atelier agrees £12.1m peak debt loan for Stancliffe Homes' HGP-backed scheme in the Peak District

Press

The 27-month facility — agreed at 66% LTV — will be given alongside an investment from Housing Growth Partnership (HGP).

Five top tips for selling off-plan

Blog

Acting early and decisively is the key to success at selling off-plan.

Atelier provides Rengen with fourth PBSA loan this year

Press

Atelier has provided Rengen with £30m of loans to establish purpose-built student accommodation (PBSA) schemes in key university cities.

Atelier appoints Robertson for Scotland push

Press

Development lender Atelier has appointed Edinburgh-based Bruce Robertson as lending manager to “play a central role in growing the scale and variety of Atelier’s lending in Scotland”.

Atelier collaborates with HubSpot to enhance lending customer experience

Press

Development lender, Atelier, has partnered with renowned software firm, HubSpot, to launch an innovative customer experience platform aimed at streamlining and personalising each borrower’s journey.

New report points to falling land values, with BTR and student accommodation offering big opportunities

Press

There is evidence that land values are falling and BTR and student accommodation sectors are

As land values reset, residential development opportunities are emerging - new Atelier research reveals where

Blog

Our in-depth analysis pinpoints the factors that are providing maximum opportunity for agile property developers.

Atelier devises framework to solve ‘pinch points’ of financing modular construction

Press

Atelier’s joint CEO Chris Gardner speaks to Deputy Editor Lucy Scott, from Real Estate Capital Europe and identifies the “pinch points” that make it hard for SME developers to obtain finance for modular schemes.

Atelier becomes first major lender to launch framework to finance housing developments built with offsite and modular technology

Press

Development lender Atelier has created a clear lending framework for developers building with offsite and modular construction technology.

Lending digitisation trend

Press

Our joint CEO Chris Gardner talks to Bill Lumley in The Banker this week about the increasing appetite of the major banks to digitalise loan drawdowns.

Atelier launches offsite and modular construction lending framework

Blog

Atelier has launched a practical lending framework for offsite and modular construction schemes.

Martin’s market musings, 2023 edition - Reckoning or reset?

Blog

2023 will see parts of our sector enter unfamiliar, unsettling territory. But amid the recalibration of residual values and the exit of some lenders, there will be a flight to quality as the best schemes survive and thrive.

Small-ticket lending enters a new era

Press

The era of ultra-low interest rates lasted 14 years but ended in a matter of weeks.

Atelier Market Update

Press

Today we’re proud to launch a series of new lending upgrades as part of a strategic plan to grow the scale the variety of lending across the UK real estate market.

Lenders tighten grip on developer costs squeezed by labour and material spikes

Press

As higher material costs settle, it has become clear that is only one part of the story.

Even in uncertain times, several things hold true. One of them is the power of creativity and collaboration

Press

Atelier’s Joint CEO Chris Gardner speaks to Jake Carter of Mortgage Introducer and advises that developers’ margins are under pressure due to rising build costs and higher interest rates.

Atelier is delighted to have won the Editor’s Choice Award at the 2022 Bridging & Commercial Awards

Press

Atelier wins Editor’s Choice award and is highly commended in the ESG award category, in recognition of pioneering, sustainable residential finance solution, Carbonlite Challenge.

Will the energy crisis be a catalyst for greener development?

Blog

The Government’s plan to freeze household energy bills will avert disaster, but the energy crisis has spotlighted a huge opportunity for the property development sector – to build homes differently.

The need for speed

Blog

With the average property sale taking over five months to complete, here are five ways developers can speed up the process.

For Housebuilders, Homeworking is a Development Opportunity

Blog

It’s tempting to assume that something only exists when there’s a name for it.

Five Steps to Finance – How to get your lender onboard with your development

Blog

The latest official data on the construction industry gives a perfect illustration of how finely balanced things are for property developers right now.

The power of partnership - how to turn a good deal into a great one

Blog

More than money, more than bricks and mortar. Read my take on how to turn a good development deal into a great one.

Record fuel prices are fastest growing concern for property developers as a third see projects put on ice amid cost inflation

Press

Spike in fuel prices triggered by the war in Ukraine is the fastest rising worry for property developers, new research by the lender Atelier and Paragon Building Consultancy reveals.

Is embodied carbon about to be enshrined in law?

Press

We need to talk about Carbon. Fortunately, policymakers and forward-thinking players in the property sector already are.

The Covid city exodus: Reality, reversal or urban myth?

Insights

After a tumultuous 2021, there is much to ponder: how high might interest rates go? Where are property prices headed after a record year? How might further Covid waves affect economic activity?

Mystic Martin's Predictions for 2022

Blog

After a rollercoaster 2021, which started with a national lockdown and then saw a boom in both construction and the demand for development finance, Britain’s real estate market shouldn’t expect a quiet 2022...

Roof trusses on a new development

The 100k question: is my development loan interest rate fixed or variable?

Blog

You wouldn’t take out a mortgage without checking if the rate was variable or fixed. Why should it be any different for a development loan?

A development of modern townhouses

Lessons In Lending

Blog

Atelier’s Director of Origination Martin Gilsenan and Head of Credit Alasdair Houghton are two of the most respected dealmakers in UK real estate. Here the veteran pair talk about risk, reward and why spreadsheets only tell you so much.

Tiling a terraced development roof

Atelier surpasses £200m lending milestone amid changing business climate

Blog

This month marked an important milestone for the team at Atelier. We’ve now provided more than £200m in bridging and development finance to UK property developers since launching the business at the beginning of 2020.

UK Housing: The Race to Zero Net Carbon is On

Insights

An insider's guide to understanding the issues and opportunities. At Atelier we’ve spent a lot of time researching climate change and deciding how we as a company should respond to the challenges before us.

A terrace of red brick houses

First-time Buying affordability: The Snakes & Ladders of the Property Ladder

Insights

As a financier of property transactions, from land purchases right through to the construction of entirely new homes, or the refurbishment or conversion of existing buildings, we take a keen interest in the health of the housing market.

A worker fitting solar panels

After Team GB’s gold rush, brokers must go for green

Blog

Two years have passed since the government made its commitment to achieve net zero emissions by 2050. But already the talk among brokers and developers is about whether the revolution might be losing momentum.

A terrace of old brick cottages

Boris Johnson’s 95% mortgage scheme: Much ado about nothing

Blog

With the number of First Time Buyers dwindling, we are now faced with the spectre of a housing market where only the privileged can afford to get on the ladder.

Two contruction wokrers looking at printed plans

UK housebuilders are making an increasingly attractive home for global capital

Blog

With the Bank of England holding interest rates at their lowest level in centuries, and Britain’s economy still feeling the effects of one of the sharpest contractions on record, global capital’s sudden interest in the UK may seem premature.

Two business people walking and talking in a corridor

The Art of the Deal: Good brokers make it look easy

Blog

So far in 2021 the industry has witnessed the sharpest rise in activity since 2014, with housebuilding, commercial projects and infrastructure all surging as the country emerges from lockdown.

Outside view of the Ten Downing Street door

Will Boris' battle over planning rules spell the downfall of the town hall?

Blog

The Government’s plan to overhaul planning rules, announced with only the scantest of details in the Queen’s Speech, could put the Prime Minister on a collision course with Tory backbenchers from the Home Counties.

Two construction workers in masks checking the temperature on an electronic thermometer

A little extra leverage goes a long way

Blog

By any measure, it has been white knuckle, rollercoaster stuff. After coming to a virtual standstill during the first national lockdown, the residential property market has roared back to life.

Solar panels on the roof of a semi-detached house

EPC is too ABC... it's time for a shake-up

Blog

There has been much backslapping across the construction sector and Whitehall this month over the latest energy ratings for new homes.

A terrace of houses

No matter how hard the winter, spring always comes

Blog

Spring has sprung while the British economy endures a brutally hard winter.

A board meeting

As lockdown lifts, office working will change. But it must not die.

Blog

After months of stony silence, the ring of shop tills, the chink of glasses in pub gardens and the snip of a thousand hairdressers’ scissors are music to the ears.

A deli owner opening his shop door with an Open sign

From alphabet soup to building blocks – how Britain will take baby steps into its post-Covid future

Blog

If there’s one industry that’s booming in these dark times, it’s economic forecasting.

An electric car charging dock in an underground garage

Time for finance to be a driver, not a passenger, in Tesla's revolution

Blog

Last month EVs and hybrids accounted for 13% of all new vehicles sold in the UK, well over double their market share the previous February. Annual EV sales rocketed by 49% during the intervening 12 months; petrol car sales fell by the same amount.

Two contruction wokrers looking at printed plans

Don't pop the corks quite yet – but construction proving resilient

Blog

After a truly forgettable year of pandemic, lockdowns and social distancing, things appear to be heading in the right direction for the industry.

A sign saying Temporarily Closed sign on a cafe door

Sunak's sequel takes the economic fight to the pandemic

Blog

A year ago Rishi Sunak’s debut Budget was overtaken by events – the pandemic’s terrifying first wave – almost before he sat back down. Fast-forward 12 months and his follow-up was billed as the most important Budget in a generation.

A union flag and Big Ben

"Dear Rishi"... An open letter to the chancellor

Blog

Tomorrow’s Budget will see a Chancellor juggle the opposing needs of the UK economy like never before.

A board meeting

Atelier Capital Partners surpasses £100m lending milestone

Press

Atelier reached the milestone after posting its strongest ever quarter, with £35m lent in Q4 2020.

Two masked warehouse workers

How we’re keeping finance flowing despite Covid-19

Blog

These are extraordinary, unsettling times. Many of us may one day come to divide our lives into “before” and “after” the COVID-19 pandemic.

A development of modern townhouses

Looking at housing through a qualitative lens

Blog

The new government, and Housing Minister Robert Jenrick in particular, have a monumental task ahead of them in solving the UK’s deeply entrenched housing crisis.

A modern terraced street

From casualty to champion: the growing influence of SME developers

Blog

Britain’s small and medium-sized developers were squeezed more than most by the fallout from the Global Financial Crisis 12 or so years ago.