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Commercial Loan
Auction Finance
Bridging Loan
Development Loan
Commercial Loan
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Auction Finance
Finance option for avid property investors and developers to meet auction house purchase deadlines.
Bridging Loans
A short-term loan intended to provide quick funding until a more permanent form of financing can be arranged.
Development Loans
A type of funding specifically aimed at supporting the construction of property or real estate projects.
Commercial Loans
Offers a range of financial solutions for businesses, from asset acquisition to operational costs.
ABOUT US
Strategic & Personalised Financial Solutions with Knights Hill Capital
At Knights Hill Capital, we are more than just a financial firm; we are the trusted partner for property investors and developers seeking unparalleled, tailor-made financial solutions.
Our commitment to integrity, combined with our expertise and client-centric approach, empowers our clients to achieve their investment goals and excel in the dynamic world of property.
By leveraging our long-standing relationships with a variety of lenders, from high street banks to specialist firms, we ensure personalised and strategic financial solutions that meet the diverse needs of property investors, developers and business owners.
Our Process
1. Initial Discovery Call
Introductory call for 15-30 mins to understand client's needs and goals.
2. Fact Find
Collecting client details and documents to customize financial solutions.
3. Market Research
Analysis of available options across the market suited to client specifics.
4. Recommendation & DIP
Tailored recommendation & loan/ DIP certificate provided upon option selection.
5. Submit Application
Fully packaging the application along with client documentation to lender.
6. Underwriting & Valuation
The application will be underwritten, and property valuation with be conducted.
7. Offer
Once the lender approves, offer is issued, and conveyancing matters progress.
8. Completion
Finalising the deal on agreed-upon date and ensuring all party's aspects are settled.
Discover how we can help you - Book a call with Our Specialist Brokers
SERVICES
Tailored Financial Solutions to meet your unique Property Investment needs
Auction Finance
This type of finance is a subset of Bridging finance tailored for purchasing properties at auctions, where rapid funding is essential. This financing option is ideal when buyers need to complete swiftly—typically within 14 to 28 days as per auction house guidelines.
Unlike traditional mortgages, which may not provide the necessary speed or flexibility, auction finance allows successful bidders to meet immediate financial commitments such as the 10% deposit and auction house fees.
Additionally, this form of finance is useful for buying properties that may not qualify for a mortgage due to their conditions being unhabitable or not in lettable, with terms usually not exceeding 12 months but extendable under certain circumstances.
Auction finance can be arranged for the following range of use cases, but not limited to:
✅ Residential Investments including Buy to Lets, Multi-Lets (MUFBs), HMOs, Holiday Lets, Airbnb
✅ Semi-Commercial Properties
✅ Commercial Property (as an investment or owner-occupied)
✅ Land
✅ SPV/ Limited Company application
✅ First Time Landlord application
✅ Non-Mortgageable Properties
Key Features:
👉 Lending amounts from £50k to £100m
👉 Up to 100% LTV for purchases
👉 Possibility of 100% funding with additional security provisions
👉 Up to 100% LTV for refurbishment projects (i.e. BRR or BRRR method)
👉 Provide up to 100% towards your refurbishment costs/ build costs
👉 Interest can be retained, rolled up or serviced
Our Approach:
At Knights Hill Capital, our advisers ensure you step into the auction with confidence and peace of mind. We thoroughly review your requirements beforehand, providing a clear understanding of fees and costs, so you can bid with the assurance that the necessary funds will be available. Let us help you make informed decisions and secure your property investment successfully.
Bridging Loan
A bridging loan is a versatile, short-term funding solution secured against residential or commercial property. Originally used to bridge gaps in property purchase chains, these loans now serve a wide array of purposes thanks to the growing number of lending providers in the market.
At Knights Hill Capital, our specialist bridging finance team excels in securing some of the best bespoke bridging facilities available. We also arrange exit strategies for bridging loans, often on unique terms not commonly found elsewhere. This comprehensive service ensures our clients have a clear and secure plan in place from the outset, providing peace of mind throughout the process.
Bridging loans can be tailored for various situations and terms, including but not limited to:
✅ Auction Purchase
✅ Land Purchase
✅ Commercial Property
✅ SPV/ Limited Company application
✅ First or Second Charge application
✅ Refurbishment Property projects to sell or let
✅ Securing you new home before completing the sale of your existing property
✅ Chain Breaks - you have lost your buyer but don’t want to let your purchase fall through
✅ Short-term funding without making monthly interest payments
✅ Non-Mortgageable Properties
✅ Below Market Value Property Purchase
Key Features:
👉 Lending amounts from £50k to £100m
👉 Up to 100% LTV available
👉 Up to 100% LTV for refurbishment projects (i.e. BRR or BRRR method)
👉 Cross Charge - possibility of 100% funding with additional security provisions
👉 Provide up to 100% towards your refurbishment costs/ build costs
👉 Interest can be retained, rolled up or serviced
Our Approach:
At Knights Hill Capital, our experts equip you with the confidence and clarity needed for bridging loan processes. We meticulously assess your needs in advance, clarifying all fees and costs, ensuring you move forward with the confidence that your financing is secure. Whether you have a complex financial situation or require a specialist lender, we can secure a bridging loan tailored to your needs.
Development Loan
Development finance is a type of short-term financing tailored for construction projects, ranging from building a single-family home for personal use to launching extensive multi-unit residential developments.
This loan typically correlates with the project's gross development value (GDV) or final value. While investors are generally required to contribute about 35% of the project costs, lenders may cover up to 100% of the development costs, usually up to 65% to 75% of the GDV.
Funding is disbursed in stages agreed upon during the initial development appraisal. Interest on these loans may be compounded and added to the balance (rolled up) or paid monthly. Repayment is often managed through the sale of the completed units or by transitioning the debt to a buy-to-let mortgage if the properties are to be retained and rented out.
Development Finance can be arranged in the following situations, but not limited to:
✅ Residential Investments including Buy to Lets, HMOs
✅ Multi-Unit ground up Development projects
✅ Commercial Developments e.g. health-care facility, mixed-use
✅ Self-Build projects
✅ Light to Heavy Conversions/ Refurbishments
✅ Block of Apartments
✅ Build from ground up on Land with planning permission
✅ Projects across the UK
✅ Available for various entities like limited companies, partnerships
Key Features:
👉 Lending amounts from £150k to £100m
👉 terms up to 24 months, but extendable under certain circumstances.
👉Up to 80% LTV of purchase price
👉 Lending up to 90% Loan to Cost
👉 Up to 75% LTGDV
👉 Provide up to 100% towards your construction costs/ build costs
👉 100% funding with additional security provisions
👉 Senior, Stretch-Senior, Mezzanine , Super-Mezzanine Finance
👉 Staged Payments
👉 Development Exit Finance
👉 Interest can be retained, rolled up or serviced
Our Approach:
At Knights Hill Capital, our specialist development team leverages robust relationships with top UK development finance providers to support a broad spectrum of development projects. We're dedicated to guiding you through the best Development financing paths and assisting you in achieving successful investment outcomes.
Commercial Loan
A commercial mortgage is a type of mortgage secured against a commercial property. These properties are used for business purposes or as investment assets, such as health-care facilities, office complexes, retail centres, industrial warehouses, and multi-unit residential buildings.
Typically, commercial real estate is more substantial and costly than residential real estate, necessitating greater initial capital (often between 25%-40% deposit), thorough due diligence, and enhanced management skills. Despite these demands, commercial properties often yield higher returns and provide more long-term stability than residential real estate.
Who needs a Commercial Loan?
👉 Business owner-occupier looking to purchase property for use as business premises.
👉 Commercial property investor aiming to acquire property to lease to a business you do not own.
👉 Residential property investor planning to buy a multi-unit freehold block for rental purposes.
👉 Commercial or residential property owner with diverse portfolio seeking to refinance under a more cost-effective loan.
Commercial loans can be tailored for various situations and terms, including but not limited to:
✅ Mixed Portfolio
✅ Multi-Unit Freehold Blocks (MUFBs)
✅ Trading Businesses
✅ Semi-Commercial (such as a shop with flats above)
✅ Office Buildings
✅ Care Homes / Nursing Homes
✅ Shopping Centres/ Shops
✅ Warehouses/ Industrial Units
✅ Dentist' Surgeries
✅ Doctors' Surgeries
✅ Veterinary Practices
✅ Pharmacies
✅ Block of Flats/ Student Apartment Blocks
✅ Hotels/ Guest Houses
✅ Agricultural Land
Key Features:
👉 Lending amounts from £100k to £100m
👉 Up to 80% LTV available
👉 Cross Charge - possibility of 100% funding with additional security provisions
Our Approach:
At Knights Hill Capital, our Commercial Brokers offer the confidence and transparency you need to successfully navigate the commercial loan process. From the outset, we conduct a thorough assessment of your requirements, clearly outlining all fees and costs. This meticulous approach ensures you can move forward with assurance, knowing your financing is solidly in place.
Whether you're dealing with a complex financial situation or require a specialised lender, our expertise enables us to secure commercial loans tailored to your unique needs. Experience the difference with Knights Hill Capital—where your financial success is our top priority.
Knights Hill Capital Limited is registered in England Wales No. 15655920. Registered office: 128 City Road, London, EC1V 2NX.
Knights Hill Capital is a credit broker not a lender. Knights Hill Capital offers services for unregulated finance in the Bridging, Development & Commercial space for Limited Companies Only.
Not all of our products are regulated by the Financial Conduct Authority, please ask for details.
Your initial consultation and any quotations are free and you are under no obligation to proceed with any options that may be available to you. If you choose to go ahead a fee will become chargeable. The amount of commission received may vary depending on the product or lender chosen.
Knights Hill Capital is NOT regulated by the Financial Conduct Authority (FCA) and you will NOT have access to the Financial Ombudsman Service (FOS) and/ or the Financial Services Compensation Scheme (FSCS)
All regulated or buy-to-let advice is referred to Triton Private Finance. Triton Private Finance Limited is an Appointed Representative of PRIMIS Mortgage Network which is a trading name of Personal Touch Financial Services Limited. Personal Touch Financial Services is authorised and regulated by the Financial Conduct Authority.