Build to rent finance across the lifecycle
The structures we arrange to build, forward fund, refinance and stabilise rental schemes, used alone or together.
We arrange finance across the full build to rent lifecycle. BTR development finance funds a ground-up build, extension or change of use. Forward funding and forward commitment bring an institutional investor in to fund or buy the completed scheme. Bridging moves at auction pace or covers a short-term gap. Investment and stabilisation finance carries a scheme through its lease-up and rental ramp-up. BTR investment finance sits on a stabilised, income-producing asset. Refinance lowers a rate, raises capital or exits a bridge. Development exit finance clears a maturing build facility while units let up. Mezzanine and equity release capital or top up the senior facility. Single-family housing and co-living finance fund the formats that lenders treat on their own terms. Each structure is sized on build cost, gross development value (GDV) and stabilised net operating income (NOI), not bricks alone. We model the right structure, run it across our lender panel, and place the facility that fits the scheme, the developer and the plan.
BTR development finance
The senior debt that funds the construction of a ground-up rental scheme, sized on cost, gross development value and the income the finished homes will produce. We arrange and place the funding with the lenders that back build-to-rent.
Learn moreForward funding
The institutional structure where an investor funds the land and the construction up front and acquires the completed scheme, paying the developer a land payment, a funded build and a profit on cost, in exchange for development-risk pricing and a keener entry yield.
Learn moreForward commitment
The structure where an institutional investor agrees to buy a build-to-rent scheme on practical completion at a fixed price and yield, but does not fund the construction, so the developer funds the build and takes the development risk in exchange for keeping more of the upside.
Learn moreBTR investment finance
The long-term debt that holds a stabilised, income-producing build-to-rent asset, sized on the net operating income the rent roll produces and the cover that income gives the debt service. We arrange and place the funding.
Learn moreBTR bridging finance
Short-term debt to acquire a build-to-rent site, assemble title or hold a scheme through planning, exiting onto development finance once consent is in place. We arrange and place the loan against a clear, credible exit.
Learn moreDevelopment exit finance
A cheaper term facility taken at or after practical completion to repay development finance and reduce cost while the scheme leases up and stabilises, sized on the finished asset and the lease-up rather than the construction.
Learn moreBTR mezzanine and equity
Subordinated debt or equity that sits behind the senior facility to stretch leverage toward 80 to 90 percent of cost, preserving the developer's own equity in exchange for a higher coupon that reflects the junior position.
Learn moreSingle family housing finance
Funding for suburban houses built to rent, whole streets and estates let to families, often delivered in phases. Single family housing overtook apartments on build-to-rent investment in 2025, and we arrange the development and investment debt behind it.
Learn moreCo-living finance
Funding for co-living schemes, compact private studios with extensive shared amenity, operationally intensive and sized on the net operating income the scheme produces. We arrange the development and investment debt.
Learn moreBTR refinance
Replacing development or bridging debt with longer-term investment debt once a scheme is built and stabilising, to release equity and lower the cost of the borrowing. We arrange and place the refinance.
Learn moreNot sure which finance fits?
Send us the scheme and the developer and we will tell you what is fundable and how best to structure it.