News & Insights

Lender urges industry to bring 95% LTV lending back
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.
30/11/2023

Tackling Scotland’s housing shortage: key challenges to overcome in 2024
Bruce Robertson, Scottish Lending Manager at Atelier talks to Scottish Business News
30/11/2023

Why choice has never been so important for SME property developers
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.
06/11/2023

Property development market faces 'gradual and uneven' impact after Sunak scraps rest of HS2 project
Chris Gardner, Joint CEO at Atelier, advises Development Finance Today that “The ramifications of the prime minister’s decision will be significant
17/10/2023

Atelier agrees £12.1m peak debt loan for Stancliffe Homes' HGP-backed scheme in the Peak District
The 27-month facility — agreed at 66% LTV — will be given alongside an investment from Housing Growth Partnership (HGP).
20/09/2023

Five top tips for selling off-plan
Acting early and decisively is the key to success at selling off-plan.
21/08/2023

Atelier provides Rengen with fourth PBSA loan this year
Atelier has provided Rengen with £30m of loans to establish purpose-built student accommodation (PBSA) schemes in key university cities.
15/08/2023

Atelier appoints Robertson for Scotland push
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”.
07/08/2023

Atelier collaborates with HubSpot to enhance lending customer experience
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.
17/07/2023

New report points to falling land values, with BTR and student accommodation offering big opportunities
There is evidence that land values are falling and BTR and student accommodation sectors are
14/06/2023

As land values reset, residential development opportunities are emerging - new Atelier research reveals where
Our in-depth analysis pinpoints the factors that are providing maximum opportunity for agile property developers.
24/05/2023

Atelier devises framework to solve ‘pinch points’ of financing modular construction
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.
27/04/2023

Atelier becomes first major lender to launch framework to finance housing developments built with offsite and modular technology
Development lender Atelier has created a clear lending framework for developers building with offsite and modular construction technology.
25/04/2023

Lending digitisation trend
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.
05/04/2023

Atelier launches offsite and modular construction lending framework
Atelier has launched a practical lending framework for offsite and modular construction schemes.
03/04/2023

Martin’s market musings, 2023 edition - Reckoning or reset?
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.
22/12/2022

Small-ticket lending enters a new era
The era of ultra-low interest rates lasted 14 years but ended in a matter of weeks.
13/12/2022

Atelier Market Update
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.
21/11/2022

Lenders tighten grip on developer costs squeezed by labour and material spikes
As higher material costs settle, it has become clear that is only one part of the story.
04/11/2022

Even in uncertain times, several things hold true. One of them is the power of creativity and collaboration
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.
11/10/2022

Atelier is delighted to have won the Editor’s Choice Award at the 2022 Bridging & Commercial Awards
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.
20/09/2022

Will the energy crisis be a catalyst for greener development?
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.
07/09/2022

The need for speed
With the average property sale taking over five months to complete, here are five ways developers can speed up the process.
19/08/2022

For Housebuilders, Homeworking is a Development Opportunity
It’s tempting to assume that something only exists when there’s a name for it.
27/05/2022

Five Steps to Finance – How to get your lender onboard with your development
The latest official data on the construction industry gives a perfect illustration of how finely balanced things are for property developers right now.
17/05/2022

The power of partnership - how to turn a good deal into a great one
More than money, more than bricks and mortar. Read my take on how to turn a good development deal into a great one.
21/04/2022

Record fuel prices are fastest growing concern for property developers as a third see projects put on ice amid cost inflation
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.
21/03/2022

Is embodied carbon about to be enshrined in law?
We need to talk about Carbon. Fortunately, policymakers and forward-thinking players in the property sector already are.
16/02/2022

The Covid city exodus: Reality, reversal or urban myth?
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?
15/02/2022

Mystic Martin's Predictions for 2022
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...
27/12/2021

The 100k question: is my development loan interest rate fixed or variable?
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?
13/12/2021

Lessons In Lending
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.
06/12/2021

Atelier surpasses £200m lending milestone amid changing business climate
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.
02/11/2021

UK Housing: The Race to Zero Net Carbon is On
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.
27/09/2021

First-time Buying affordability: The Snakes & Ladders of the Property Ladder
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.
19/08/2021

After Team GB’s gold rush, brokers must go for green
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.
06/08/2021

Boris Johnson’s 95% mortgage scheme: Much ado about nothing
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.
23/07/2021

UK housebuilders are making an increasingly attractive home for global capital
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.
25/06/2021

The Art of the Deal: Good brokers make it look easy
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.
04/06/2021

Will Boris' battle over planning rules spell the downfall of the town hall?
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.
22/05/2021

A little extra leverage goes a long way
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.
07/05/2021

EPC is too ABC... it's time for a shake-up
There has been much backslapping across the construction sector and Whitehall this month over the latest energy ratings for new homes.
23/04/2021

No matter how hard the winter, spring always comes
Spring has sprung while the British economy endures a brutally hard winter.
16/04/2021

As lockdown lifts, office working will change. But it must not die.
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.
12/04/2021

From alphabet soup to building blocks – how Britain will take baby steps into its post-Covid future
If there’s one industry that’s booming in these dark times, it’s economic forecasting.
26/03/2021

Time for finance to be a driver, not a passenger, in Tesla's revolution
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.
25/03/2021

Don't pop the corks quite yet – but construction proving resilient
After a truly forgettable year of pandemic, lockdowns and social distancing, things appear to be heading in the right direction for the industry.
17/03/2021

Sunak's sequel takes the economic fight to the pandemic
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.
04/03/2021

"Dear Rishi"... An open letter to the chancellor
Tomorrow’s Budget will see a Chancellor juggle the opposing needs of the UK economy like never before.
02/03/2021

Atelier Capital Partners surpasses £100m lending milestone
Atelier reached the milestone after posting its strongest ever quarter, with £35m lent in Q4 2020.
20/01/2021

How we’re keeping finance flowing despite Covid-19
These are extraordinary, unsettling times. Many of us may one day come to divide our lives into “before” and “after” the COVID-19 pandemic.
20/03/2020

Looking at housing through a qualitative lens
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.
08/02/2020

From casualty to champion: the growing influence of SME developers
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.
03/01/2020