Better property finance, by design
Driven by and
expertise
completely customised
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Trusted by of professional
innovation
property developers nationwide
Designed in collaboration
with brokers and developers
Every development is di erent. is every loan. That’s why that’s for you.
hundreds
So
we provide property finance
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We’re a team of property finance specialists committed to realising your vision. Whether your development is residential or commercial, for student accommodation or senior living, we can help.
We don’t do set products. Instead, we structure loans around the unique requirements and circumstances of your development. Working alongside developers and brokers, we can provide finance solutions for all kinds of schemes – from land with planning permission, to new build developments, conversion and bridging. Our finance solutions, and loans between £3m to £40m, are custom built to match your ambitions. Work with people as committed to your vision as you are and access better property finance by design. atelierfinance.co.uk 03 About us We provide loans across new-build, refurbishment, conversion and land with planning permission Our loans have flexible structures with fair, transparent charges and fast drawdowns We blend development finance expertise with cutting edge technology We’re a team of property finance specialists committed to realising your vision
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Your loan will be structured to optimise cash flow throughout the project, and feature daily interest, transparent fees, and online access to manage your account at anytime. Once your finance agreement is in place, our dedicated drawdown team o ers fast and seamless drawdowns to keep the project liquid, funded, and on track. Plus, our wider team is always on hand to provide advice and assistance as the project progresses.
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Whatever the size or scale of your project, you will have access to our in-house team of lawyers, surveyors, and credit experts to help you make the most of your Atelier finance facility, so it’s precisely tailored to you and your development.
Our broker o ering provides:
We know that in order to achieve our mission of creating truly custom and impactful property finance solutions, working in positive partnership with the market’s leading brokers is critical. Our management team are experienced in working with the broker community and have designed Atelier from the ground up to accommodate your needs.
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Access to the market’s most flexible capital, unconstrained by products and other restrictions
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Direct access to decision makers
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Online account management for your clients with access to loan balances and more
Quick and easy online applications
A broker portal providing on-boarding, loan applications and account management
Use a phone, tablet, or desktop to access our lending portals and instantly submit or track your applications. Our intelligent systems then enable you to add, change, and update key information as the application progresses – all while tracking its progress with online account management.
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Access to a team of property finance experts, including our own surveying and legal departments
We are property people, and we like nothing more than getting to know the ins and outs of the projects we finance.
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Our team of experts are always on hand to help you find creative, cost-e ective solutions to meet your borrowing needs.
Our developer o ering provides:
Highly to
Flexibility and a common-sense approach
Online
competitive rates, fees, and terms Access
access to loan balance, drawdowns and statements
to decision makers and faster credit backed approvals
a dedicated lending manager We provide finance solutions for atelierfiacrossdevelopmentstheUK.nance.co.uk 09
Direct access
New DevelopmentBuild DevelopmentPermitted Land with permissionplanning Atelier works with experienced developers who require finance to develop new property from the ground up. • Site acquisition, refinance, and development • Traditional and Modular construction considered • Flexible loan structuring Permitted development opens countless opportunities for developers to reinvigorate and repurpose existing buildings. • Site acquisition, refinance, and development • May also include a mix of New Build, Conversion and Refurbishment • Flexible loan structuring The requirement to finance land is an essential stage in the property value chain and Atelier is well placed to help. • Must have residential planning consent • Site acquisition and refinance • Planning enhancement and enabling works permitted Asset Types Interest and Fees Residential • Houses • Flatted schemes Student • Purpose built • Conversion Senior Living • Over 55 developments • Care homes Private Rented Sector • Build to rent • Co-living Commercial • Retail and hospitality • O ice • Industrial • Logistics Fixed rates options Variable rate tracker options Option for serviced or rolled up interest Fees can be added to the loan Interest calculated daily categoriesLending 10
• Links RIBA 2030 challenge targets with substantial rebates in interest
• Acquisition and refinance
• May also include a mix of New Build and Permitted Development
• Site acquisition, refinance, and development
• Broad range of asset types and classes considered
• Planning gain permitted
Atelier understands the importance of rapid liquidity during the property development lifecycle. The need to ‘bridge’ from one stage to the next, often as value is added and the project takes shape, is vital to maximise opportunity and reduce risk.
• Encourages the development and delivery of low-carbon homes
Lending Terms 70% £3-403-36m90% Up to 70% LTGDV LoansMonthsUp to 90% LTC atelierfinance.co.uk 11
Reinvigorating and repurposing existing buildings is an e icient and sustainable way to extend the useful life of property.
True to our guiding principles to be bold, brave and better, the Atelier Carbonlite Challenge sustainable development loan seamlessly connects capital seeking low carbon opportunities with the most ambitious low-carbon property developers.
• Site acquisition, refinance, and development
• Flexible loan structuring
Conversion Refurbishment& Bridging ChallengeCarbonlite
Qualifying developments and developers enjoy a lower cost of borrowing in return for substantial, evidenced reductions in the carbon impact of their developments.
Building for the future with sustainable finance
We’re committed to responsible lending –especially when it comes to reducing the carbon footprint of our industry. That’s why we launched our pilot sustainable lending programme to incentivise smaller SME developers to reduce the carbon impact of their developments.
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We are working hard to manage our carbon footprint so that we can set ambitious and measurable targets towards net zero.
2025
Green Building Council
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Aiming for Net Zero
ChallengeCarbonlite
We were the first SME focused development lender to join the UK Green Building Council (UKGBC), which is a forum of industry leaders dedicated to driving greater sustainability in real estate and construction. As a Gold Leaf member, we join the UKGBC’s 600 members which include Britain’s biggest and most influential housebuilders as well as the real estate arms of banks and institutional investors.
We are well placed to make a positive impact on local communities, by supporting the regeneration of brownfield sites and the upcycling and rejuvenation of existing and often unloved buildings.
Working with support from the Royal Institute of British Architects and a panel of expert collaborators, we aim to cut carbon in the built environment by seamlessly connecting capital seeking low-carbon opportunities with the most ambitious low-carbon property developers.
Beyond bricks and mortar
Competitive terms
Trust
“Atelier is very innovative in their approach, and found a creative solution to get a £500k overage payment as part of the facility. Many banks and lenders would have said no immediately because of their rigid financing models – but Atelier is incredibly flexible thanks to their custom-made deals.”
Smart loan structures
Broker
Developer
We’re as committed to your goals as you – and are trusted by hundreds of developers across the country.
We operate to institutional standards and have a culture of continual improvement. Our ISO 9001 certification demonstrates our commitment to excellence.
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Ambition
Collaboration
What clientsoursay
“I think Atelier is leading the way. They meet every question head on, and can structure loans accordingly – responding faster than others. The process was smooth and hurdles were overcome easily, plus they met all the key sta in person with an open-arms approach to getting the deal agreed.”
If you’re looking for a reliable, responsive lender that’s completely committed to the industry, look no further than Atelier.
“Atelier has a good service and fast response time. We liked using the borrower portal and thought it was very clear and useful.”
Developer Great service
We’re trusted by hundreds of professional developers across the UK to provide custom property finance for their developments.
We craft individual lending solutions designed around you –because we know no two developments are the same.
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We’d love to help, please get in touch
enquiries@atelierfinance.co.uk020784600003-5RathbonePlace,London,W1T1HJ 16
Ready for your next project?
atelierfinance.co.uk