Bridging and Development Loans in Notting Hill

Bridging & Development Loans in Notting Hill

Short-term and development finance for Notting Hill, Holland Park and W11. Prime and fringe locations around Notting Hill, Holland Park, Bayswater and Ladbroke Grove often involve high-value refurbishments, conversions and repositioning projects. Securing and improving these assets frequently requires flexible, short-term funding – which is where bridging loans and development finance come in. We work with investors and developers in W11 and surrounding postcodes and, where advice is required, introduce you to FCA-authorised and specialist short-term brokers/lenders.

Where Bridging Finance Fits

  • Prime and secondary auction purchases.
  • Buying properties that require significant refurbishment.
  • Short-term equity release from existing assets.
  • Funding acquisitions while long-term finance is being arranged.

Development Finance in W11

  • High-end refurbishments and layout changes.
  • Conversions into multiple apartments (subject to planning and building control).
  • Small infill or airspace developments.

Lender Focus – Prime Postcodes

Deal Structure

  • Purchase price, build costs and contingency.
  • GDV and target profit margin.
  • LTV, LTC and sensitivity to price movements.

Exit Strategy

  • Sale to owner-occupiers or investors.
  • Refinance to a longer-term facility (mainstream, specialist or private bank).
  • Timescales and likely buyer demand.

Borrower Profile

  • Experience with similar schemes.
  • Financial strength and track record.
  • Corporate and ownership structure.

Our Role

  1. Project discussion: We listen to your plans and funding gaps.
  2. Explanation: We outline how bridging/development funding sits alongside standard and private banking.
  3. Introduction: We connect you with specialist short-term and development finance brokers/lenders.
  4. Exit thinking: We help you consider the longer-term structure once the project is complete.

Risks & Considerations

  • Higher cost and short term – appropriate for projects, not long-term holding.
  • Market and build risk in higher-value areas, where prices can be more volatile.
  • Security and guarantees – property and personal guarantees may be at risk if the exit fails.

Our Status & FCA Disclaimer

We are not authorised to provide regulated mortgage or investment advice. Bridging and development loans can be regulated or unregulated depending on the scenario. We:
  • Provide general information only.
  • Introduce you to FCA-authorised and specialist brokers/lenders for advice and structuring.
  • Help you think about funding as part of your wider property strategy.

Useful Links

Commercial & Larger Loans · Buy-to-Let & Investment Mortgages · Remortgages · Contact Us

Bridging & Development FAQs — Notting Hill

Will lenders consider high-value single units?

Yes, but criteria and risk appetite vary. A specialist broker will target lenders comfortable with higher-value west London stock.

Can I roll fees and interest into the facility?

Often, yes – subject to overall leverage and GDV. This is common on development facilities where cashflow is tight during the build.

Discuss a Notting Hill Project

If you’re planning a purchase or development in Notting Hill, Holland Park or W11, get in touch to explore funding options.

🧮 Mortgage Calculator for Notting Hill Buyers and Homeowners

Using a mortgage calculator is a smart way to understand your potential monthly payments before making any big decisions. Whether you’re buying your first home or looking to remortgage, it’s a quick and simple way to plan ahead.

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Thank you James for your efficient dealing of our remortgage. The regular communication and easy to follow steps of what you needed or what was outstanding, really helped me, as I had 4 mortgages happening at the same time.
Phil West
James worked tirelessly to get us over the line with a complicated commercial BTL mortgage. Highly recommend.
Paul H
They worked on a recent mortgage for my company and we were very pleased with the result. They managed to jump through a number of hoops caused by our slightly unconventional deal and pulled together a solution better than our expectations. Will be using again!
Luke Silk
Excellent experience when financing a buy to let auction property through James and the team were excellent to deal with and guided us through the whole process with no stress what so ever! Beths knowledge and professionalism is second to none!
Cath Jones

Mortgage Broker Notting Hill is an introducer service. We are not authorised or regulated by the Financial Conduct Authority and do not provide mortgage advice directly. All enquiries are handled by qualified, FCA-regulated mortgage advisers who offer tailored advice based on your individual needs.

YOUR HOME IS AT RISK IF YOU DO NOT KEEP UP REPAYMENTS ON A MORTGAGE OR OTHER LOAN SECURED ON IT.

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NEXGEN Financial Services Limited (Company registration number: TBC) 

Mortgage Broker Notting Hill

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