Designed in collaboration with intermediaries and developers
Driven by innovation and expertise
Trusted by hundreds of professional property developers nationwide
Every development is di erent. So is every loan. That’s why we provide property finance that’s completely customised for you.
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 provide loans across new-build,
with planning permission
We don’t do set products. Instead, we structure loans around the unique requirements and circumstances of your development. Working alongside developers and intermediaries, 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 £5m 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.
Access to our in-house team of credit experts, lawyers, and surveyors
A loan structured to optimise cash flow throughout the project, with seamless drawdowns
Online access to manage your account at anytime
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.
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.
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 intermediaries and brokers is critical.
Our management team are experienced in working with all of our professional partners and have designed Atelier from the ground up to accommodate your needs.
Our intermediary o ering provides:
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.
We are property people, and we like nothing more than getting to know the ins and outs of the projects we finance.
Our team of experts are always on hand to help you find creative, cost-e ective solutions to meet your borrowing needs.
Highly
Access
We
provide finance solutions for developments across the UK.
Atelier works with experienced developers who require finance to develop new property from the ground up.
Permitted development opens countless opportunities for developers to reinvigorate and repurpose existing buildings.
The requirement to finance land is an essential stage in the property value chain and Atelier is well placed to help.
• Site acquisition, refinance, and development
• Traditional and Modular construction considered
• Flexible loan structuring
Residential
• Houses
• Flatted schemes
Student
• Purpose built
• Conversion
Senior Living
• Over 55 developments
• Care homes
• Site acquisition, refinance, and development
• May also include a mix of New Build, Conversion and Refurbishment
• Flexible loan structuring
• Must have residential planning consent
• Site acquisition and refinance
• Planning enhancement and enabling works permitted
Private Rented Sector
• Build to rent
• Co-living Commercial
• Retail and hospitality
• O ice
• Industrial
• Logistics
Fixed rate and variable rate
tracker options
Option for serviced or rolled up interest
Fees can be added to the loan
Interest calculated daily
Reinvigorating and repurposing existing buildings is an e icient and sustainable way to extend the useful life of property.
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.
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
• May also include a mix of New Build and Permitted Development
• Flexible loan structuring
• Acquisition and refinance
• Broad range of asset types and classes considered
• Planning gain permitted
• Site acquisition, refinance, and development
• Links the RIBA 2030 challenge targets with substantial rebates in interest
• Encourages the development and delivery of low-carbon homes
Lending Terms 70% 3-36 £5-40m 90%
Up to 70% LTGDV Months
Loans Up to 90% LTC
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.
Qualifying developments and developers enjoy a lower cost of borrowing in return for substantial, evidenced reductions in the carbon impact of their developments.
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 working hard to manage our carbon footprint so that we can set ambitious and measurable targets towards net zero.
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.
We are the first major lender to launch a comprehensive lending framework for developers building homes with o site and modular construction technology. The potential benefits of o site construction are clear; consistent build quality, reduced costs and time on site, and strong sustainability credentials. Our framework incorporates the expertise of more than 30 leaders in o site technology to give developers, intermediaries and contractors a clear and practical guide to the opportunities and challenges that these new ways of building o er.
“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.”
Developer
“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.”
Intermediary
Great service
“Atelier has a good service and fast response time. We liked using the borrower portal and thought it was very clear and useful.”
Trust
Collaboration
Ambition
Awards
Bridging & Commercial
The Props Award 2023
Best Development Lender
We’re trusted by hundreds of professional developers across the UK to provide custom property finance for their developments.
If you’re looking for a reliable, responsive lender that’s completely committed to the industry, look no further than Atelier.