Flexible senior debt is becoming increasingly vital for UK property developers and investors seeking agility in today’s dynamic market. Whether you're acquiring residential assets in London or funding a large-scale development project, the ability to tailor senior lending to your needs can dramatically impact profitability and risk exposure.
At Fraser Bond, we support our clients with bespoke senior finance solutions designed to provide funding certainty while maximising investment outcomes. This guide explores the nature of flexible senior debt, its advantages, and how it compares to conventional lending options in the UK property market.
Flexible senior debt is a form of secured, first-ranking property finance that offers customisable terms based on the borrower’s project type, experience, asset profile, and exit strategy.
Unlike rigid loan structures offered by traditional banks, flexible senior loans—often provided by challenger banks, specialist real estate lenders, or private credit funds—can accommodate:
Interest roll-up or part-servicing
Deferred drawdowns
Development milestones
Early repayment without penalty
Bridging to exit refinance or sale
This adaptability is critical for developers managing construction risk or navigating planning timelines, and for landlords or investors executing refurbishment or repositioning strategies.
Fraser Bond structures senior debt that aligns with client goals. Key benefits include:
While traditional lenders may cap Loan-to-Value (LTV) at 60%–65%, flexible providers may fund up to 70%–75% of GDV or up to 90% of costs when combined with mezzanine finance—allowing you to preserve equity.
Time-sensitive opportunities—such as auction purchases or off-market deals—require a lender that can underwrite and complete rapidly. Fraser Bond's lender network provides indicative terms within 24–48 hours.
Flexible senior debt often includes interest-only periods, bullet repayments, or staged drawdowns—ideal for phased developments or projects with deferred revenue realisation.
By optimising the capital stack with flexible senior debt, investors and developers retain greater ownership control and alignment with project outcomes.
This type of debt is ideal for:
Residential developers building new homes in Greater London
Commercial-to-resi converters navigating planning uncertainty
Buy-to-let portfolio investors requiring refurbishment capital
Bridge-to-sell or bridge-to-let investors needing exit flexibility
Property trading firms acquiring and reselling value-add assets
Fraser Bond works with both first-time developers and experienced sponsors, structuring terms that reflect their experience and risk profile.
At Fraser Bond, we offer end-to-end lending advisory services, including:
Flexible senior debt sourcing from private and institutional lenders
Capital stack design, including integration with mezzanine or equity partners
Exit strategy alignment, ensuring refinancing, sale, or rental yield supports repayment
Full lender engagement from term sheet through completion
We specialise in developments across London, where local knowledge, fast execution, and regulatory compliance are essential.
In a market where flexibility equals opportunity, rigid bank loans often fall short. Flexible senior debt empowers investors and developers to act decisively, mitigate risk, and optimise returns.
FraserBond.com is your trusted advisory partner for structuring agile, compliant, and competitive property finance solutions in the UK.
