The Definitive Development Finance Solution

From concept to completion, we’ve got you covered.

Specialist Living Sector Development Loan

Loan Size
£2m - £150m
(larger loan amounts are available on application)
LTGDV
70%
Loan To Cost
90%
Interest Rate
From 4% over base
Interest Service
Rolled up
Term
12 – 36 months

Asset Classes.

Residential
Build-To-Rent
Purpose-Built Student Accommodation
Co-Living
Senior Living

Robust Partnerships are Key to Development Finance

Construction projects require reliable partnerships across every area, and this includes development finance.

The development process is non-linear and requires a funding partner that has substantial experience in underwriting construction risk and is invested in a long-term partnership with you and your project.

Impera has a decade’s worth of experience executing development loans and ensuring we partner our clients with best-in-class senior lenders.

Benefits of our Development Loan Solution.

Sector Specialist
Specialist 'Living Sector' Development Loans
Leverage
Whole loans/Stretched Senior (90% LTC)
Pricing
Market leading interest rates with fixed and variable options
Execution
Highly experienced structured finance team to arrange and execute your loan
Collaborative Counterparty
Real Estate development is a non-linear process, we ensure you have the right partner for the deal

Funding Locations.

Regions
London & Southeast
Midlands
Northwest
Northeast
Major Urban Hubs across the UK
Bristol
Birmingham
Leicester
Nottingham
Sheffield
Manchester
Leeds
Newcastle
Glasgow
Edinburgh
Belfast
Please note, secondary and tertiary locations can be funded.

Procurement
Route

Most lenders have historically preferred developers using a third-party main contractor (on a fixed priced contract) because of the cost certainty and the limitation of liabilities.

A spate of contractor defaults has increased the number of lenders open to assessing construction management as a procurement route.

Impera can arrange loans for developers pursuing construction management procurement routes.

We have outlined the eligibility criteria for developers pursuing a construction management route.

Eligibility Criteria.

  • Good track record over a five-year period in delivering schemes with a construction management route.
  • Previous scheme delivered with construction management method must be at least half the size of the scheme being proposed for funding
  • The developer must possess an experienced in-house construction team with significant surveying experience

Funding Process.

Our aim is to simplify the way you fund your real estate projects
Application
Get an idea of the funding you can achieve and receive terms within 24 hours
Indicative Terms
Impera delivers several funding options based on your project's characteristics
Due Diligence
We submit detailed project analyses to support the lender’s underwriting
Credit Approval
Once funding is approved, we move quickly to coordinate the instruction of legal and property professionals
Legal Execution
We establish a funding timeline, facilitating collaborative all-parties calls to support the process

Development Finance
Case Studies

Development Loan
Location
Northwest London
Asset Class
Residential
Strateg
Value-Add Development
Gross Development Value
£24m
Loan Amount
£14m
Development Loan
Location
Kent
Asset Class
Residential
Strateg
Value-Add Development
Gross Development Value
£26m
Loan Amount
£14m
Development Loan
Location
London
Asset Class
Student Accommodation
Strateg
Value-Add Development
Gross Development Value
£126m
Loan Amount
£77m
Development Loan
Location
Bristol
Asset Class
Student Accommodation
Strateg
Value-Add Development
Gross Development Value
£140m
Loan Amount
£89.5m
Impera have a deep understanding of all parts of the capital stack. I have no hesitation recommending the company wholeheartedly to anyone looking for advice on funding their next property project.
David Higson
Head of Property
Blackfinch Property
In an ever-changing real estate finance market, we realise our client’s time is finite. Impera curates and analyses the best funding solutions for property investors and developers.

Impera is a real estate capital advisory firm that sources, arranges and executes funding across the capital structure for a wide array of clients. We have proudly served our clients for nearly a decade, executing more than £500m across debt and equity solutions.

The Long-Term Capital Partner

At Impera, we do our best to source the most reliable funding partners for development finance. We are data led and carefully assess each lender’s track record and most importantly their capital base.

Development finance is the most complex part of the funding cycle from a risk perspective. Therefore, we place particular emphasis on sourcing collaborative funding partners who understand the complexity of undertaking development projects.

Why Impera?

Development Funding
is all about Execution
Successful development financing requires a systematic approach and a deep understanding of lender processes. We believe, our clients have continued to work with us for the following reasons:

Impera’s
Core Functions

Procurement of Finance
We procure the most competitive development loan solutions and junior capital partners.
Structuring
We take full responsibility for ensuring our client’s development loan reaches a successful completion by adopting a project management approach.
Execution
We approach the deal by assessing and providing advice on the capital stack, not just the required debt.
Capital Advisory
Impera is a long-term capital advisory firm and works alongside property development firms to help them grow over the medium to long term.

Client Testimonials.

Impera have advised Square Bay on all parts of the capital structure, debt and equity. A highly professional team with good technical knowledge.
Will Page
Director
Square Bay
Impera have a really sound understanding of funding ‘Living Sector’ assets. We have been proud to partner with them in recent years.
Archer Bishop
Director
Bristol Bay Capital
Impera have advised Glencar for senior debt capital advisory purposes. The company has a pragmatic and process driven approach to getting things done. We would highly recommend Impera to other property investors without hesitation.
Ricky Levenston
CIO
Glencar Property
Impera have a deep understanding of all parts of the capital stack. I have no hesitation in recommending the company wholeheartedly to anyone looking for advice on funding their next property project.
David Higson
Head of Property
Blackfinch Property
Impera have always gone beyond the call as a broker. Their advice, support and counsel during difficult parts of the process has been immeasurable.
Michael Donkor
Investor
McCapita Investments