FAQs
We know that finance can sometimes feel complex, and it’s natural to have questions when exploring your options. To make things easier, we’ve put together answers to some of the most common queries about our services — from development finance and bridging loans to commercial mortgages and more.
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If you can’t find the information you’re looking for, our friendly team is always on hand to help. Simply get in touch, and we’ll be happy to provide clear, straightforward guidance tailored to your needs.
Development Finance
What is Development Finance?
Development finance is short-term funding used to build, renovate, or convert property. It’s commonly used by developers and investors to bring new projects to life, from single homes to large-scale developments.
Who is eligible for Development Finance?
Typically, developers, builders, or investors with a clear project plan and exit strategy. At Cotswold & Country, we’ll guide you through the requirements and help position your application for approval.
Refurbishment Loans
What can Refurbishment Loans be used for?
These loans are designed for converting commercial properties — such as offices, shops, or warehouses — into residential homes. They can also be used for extensive refurbishments that add significant value.
Why choose a Refurbishment Loan instead of a standard mortgage?
These loans are designed for converting commercial properties — such as offices, shops, or warehouses — into residential homes. They can also be used for extensive refurbishments that add significant value.
Part-Completed Development
What is a Part- Completed Development Loan?
It’s finance specifically designed to help finish projects that have stalled or been left incomplete. This could be due to funding shortfalls, unexpected costs, or taking over a project mid-build.
Who benefits most from this type of loan?
Developers or investors who need extra capital to complete a property project and bring it to market.
Bridging Loans
What is a Bridging Loan?
A bridging loan is short-term finance that “bridges the gap” between buying and selling, or between a purchase and securing longer-term finance.
When would I use a Bridging Loan?
Common uses include buying a new property before selling your current one, purchasing at auction, or funding quick investment opportunities.
Development Exit Loans
What is a Development Exit Loan?
It’s a type of finance that allows developers to repay their development loan once the project is complete, while giving them extra time to sell or refinance.
How does this help maximise ROI?
By switching to an exit loan, you can reduce interest costs, free up capital, and avoid being pressured into quick sales at lower prices.
Commercial Mortgages
What is a Commercial Mortgage?
It’s long-term finance for purchasing or refinancing commercial property such as offices, retail units, warehouses, or mixed-use buildings.
Who are Commercial Mortgages for?
​Business owners, landlords, and investors who want to buy, expand, or refinance property for commercial use.