Finance Archives - Xander Wealth

£4.4 Million Bridging Loan on Agricultural Land — Completed in 18 Days, on Christmas Eve

kristian — Mon, 08 Jun 2026 13:40:20 +0000

A borrower in receivership. An agricultural asset. Adverse credit, an outstanding CCJ, and a hard deadline of 18 days — including the Christmas period.

This is the kind of deal most brokers would walk away from. For us, it was exactly the kind of challenge we exist to solve.

The Situation

Our client came to us in a position of real urgency. They were in receivership and facing an 18-day window to secure funding — a scenario that most lenders would struggle to cokmprehend, let alone completing a transaction.

The security was agricultural land, an asset class that sits firmly outside the appetite of mainstream lenders. Add to that a borrower profile showing adverse credit history and an outstanding County Court Judgement (CCJ), and the picture becomes clear: this was not a deal for the high street.

It was a deal for us.

The Solution

We moved fast. Terms were agreed quickly, and with a clear view of the land’s value and the deal’s fundamentals, we structured a £4.4 million bridging facility at 1.25% per month — priced to reflect both the speed of execution and the risk profile involved.

Crucially, no third-party valuation was required. The credit decision was backed purely on the assessed value of the land itself and the low loan-to-value position the deal presented. This removed one of the most common bottlenecks in a time-pressured transaction and allowed us to keep the timeline on track.

The outstanding CCJ was addressed directly — settled from the loan proceeds at completion, removing the liability and giving the borrower a clean path forward.

Completion on Christmas Eve

There is arguably no harder day in the property finance calendar to get a deal across the line than Christmas Eve. Solicitors are largely unavailable. Offices are closed. The system effectively shuts down.

We completed on Christmas Eve.

That outcome required the right lender, the right legal team, and relentless coordination from our side to ensure every party was aligned and ready to complete at a time when most of the industry had already switched off for the holiday. It didn’t happen by accident — it happened because we have the right connections.

The Outcome

Completion delivered the borrower a critical lifeline: 12 months to refinance or sell part of the land and exit the bridging facility on their terms. What had been a distressed situation with a ticking clock became a structured position with breathing room and a clear exit strategy.

What This Deal Demonstrates

A few things stand out about this transaction that we believe are worth highlighting:

Agricultural land is a viable security class when structured correctly, even where mainstream lenders won’t engage

Adverse credit does not have to be a deal-breaker — the right lender, the right structure, and a low LTV can overcome a difficult credit profile

Speed is a genuine capability, not a marketing claim — 18 days from approach to completion, including Christmas Eve, is proof of what is possible when the right infrastructure and relationships are in place

CCJs can be resolved within the transaction — rather than blocking progress, the outstanding judgement was incorporated into the deal structure and cleared at completion

Challenge Us

If you are facing a time-sensitive funding need, hold an asset that sits outside conventional lending criteria, or carry a credit history that has led to previous declines — we want to hear from you.

Complex, unconventional, and time-critical deals are exactly where we perform best.

Get in touch with the team at Xander Wealth for a no-obligation conversation about your funding requirements.

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Xander Wealth Completes £1.25M Development Exit Loan for Part-Complete Barn Conversion in Kent

kristian — Mon, 01 Jun 2026 13:33:04 +0000

When heritage constraints and unresolved planning conditions shut the door on traditional lenders, Xander Wealth found a way through.

We’re pleased to announce the successful completion of a £1.25 million development exit loan for a developer in Kent — a deal that required both creative structuring and a lender willing to go where others wouldn’t.

The Site

The project centred on a part-complete barn conversion in Kent, transforming a heritage agricultural building into a mixed-use scheme comprising residential units and a commercial element. The bones of the development were solid — but the site came with complications that made it a non-starter for the majority of the market.

The Challenge

Several issues combined to take this deal firmly outside standard lending criteria:

Remaining construction works still to be completed across the scheme

Outstanding heritage and planning conditions yet to be discharged by the local authority

A mixed-use asset profile — residential and commercial under the same facility

Time pressure — the developer needed breathing room to finish the works properly, not a lender forcing a rushed exit

For most development exit lenders, that combination is a hard no. Incomplete works alone often triggers a refusal; add unresolved planning conditions and a heritage overlay, and most credit committees walk away without a second look.

The Solution

Xander Wealth worked with the developer to understand the full picture — the works remaining, the planning timeline, and what a realistic exit looked like. Rather than forcing the deal into a box it didn’t fit, we sourced a bespoke facility built around the actual requirements of the scheme.

The facility at a glance:

Detail	Terms
Loan Amount	£1,250,000
LTV — Residential	75%
LTV — Commercial	65%
Term	18 months
Rate	0.84% PCM
Arrangement Fee	2%
Broker Fee	0.5%

The 18-month term was key. It gave the developer the runway to complete the outstanding works, engage meaningfully with the heritage and planning authority to satisfy the remaining conditions, and then take the site to market at the right time — not under duress.

Leverage was maximised across both asset classes: 75% LTV across the residential elements and 65% LTV on the commercial unit, giving the developer maximum capital efficiency while maintaining a structure the lender was comfortable with.

The Outcome

The facility completed, the developer has the funding and the time needed to see the project through properly — and a clear path to a clean, well-positioned sale once conditions are discharged and the works are done.

This is exactly the kind of deal where experience and lender relationships make all the difference. Standard criteria didn’t apply here. What did apply was a thorough understanding of the asset, a credible exit strategy, and access to a lender with the appetite to back it.

Thinking About a Development Exit?

If your project doesn’t fit the standard mould — whether that’s incomplete works, planning complications, a mixed-use profile, or a tight timeline — we’d encourage you to speak to us before assuming the market won’t support it.

We’ve built relationships with over 200 lenders specifically to handle deals like this one.

Get in touch for a no-obligation discussion: rw@xanderwealth.com

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Xander Wealth Surpasses £50 Million in Development & Bridging Finance

kristian — Wed, 03 Dec 2025 13:27:49 +0000

Xander Wealth Commercial Finance has officially surpassed £50 million in development and bridging finance loans, marking another major milestone in the firm’s impressive growth journey.

Since launching in 2019, the Leeds-based commercial finance brokerage has continued to expand its footprint across the UK property market. From surpassing £10 million in 2021, to breaking the £30 million mark in 2022, the firm has now exceeded £50 million in total completed lending — a testament to consistent performance, strong lender relationships, and unwavering commitment to clients.

A Track Record of Delivering Results

Over the past few years, Xander Wealth has facilitated funding across a wide range of real estate and construction projects, including:
        •       Multi-unit residential developments
        •       Large-scale ground-up construction schemes
        •       Eco-apartment projects
        •       Detached housing developments
        •       Strategic land acquisitions with 100% funding structures

Notable transactions have included multi-million-pound development facilities across Yorkshire, Liverpool, Dorset, Scarborough and beyond — supporting property developers, landlords, and investors through every stage of the funding process

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Xander Wealth Completes £2.5m Development Finance Facility for Executive Homes in Leicester

kristian — Wed, 20 Aug 2025 10:00:54 +0000

Xander Wealth is delighted to announce the successful completion of a £2,500,000 development finance facility for the construction of three executive homes in Dunton Basset, Leicester.

This deal was far from straightforward. The developer, an experienced building contractor, was embarking on his first project as a principal developer. In addition to the experience level, the transaction required a highly complex financial structure to make the scheme possible.

Key elements included:

No Personal Guarantee (PG) Requirement – Unusually, the facility was agreed without the need for a PG from the borrower, a rare outcome in development finance.
Deferred Vendor Payment – The site vendor agreed to accept only part of the purchase price upfront, deferring the balance until project completion, which provided additional flexibility to the developer, the vendor secured his equity by second legal charge.
No Third-Party Valuation & QS Reports – Unlike most lenders who require independent valuations or QS reports, the lender was able to proceed without them. This was possible thanks to their in-house underwriting expertise, underpinned by their own development background and the use of private capital

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£16.7 Million of loans brokered for real estate and construction projects around the UK.

kristian — Thu, 06 Oct 2022 12:26:01 +0000

This is a phenomenal achievement and huge milestone, taking Xander Wealth Commercial Finance’s total loans completed to over £32 Million since they began trading in 2019. It really goes to show the level of hard work happening behind the desks of the Leeds based Commercial Finance Broker.

Director of Xander Wealth Commercial Finance; Kristian A Wilkinson FCMI gave this statement:

“We are delighted to surpass £30 Million of loans brokered to date. Xander Wealth have continued to grow. Despite Brexit, a Pandemic, increased global inflation/higher living costs, we have proven that hard work with intuition can prevail. The UK is, and always will be in my eyes, the best place in the world to do business. Xander Wealth has an amazing panel of lenders and investors who are always keen to lend/invest into UK property developers, landlords and property professionals alike. I anticipate a lot of disruption over the coming years, however, I am confident Xander Wealth Commercial Finance is well positioned to provide support to existing and new clients during turbulent times and fully expect we will continue to grow.”

Completions during the 3rd quarter include an impressive £3.75 Million single loan inclusive of 100% funding for both acquisition of land and the build costs, for two opulent houses in Poole, Dorset. Xander Wealth also secured a £2.3 Million Development Finance facility for 10 apartments to be built within the city of York and another £2.6 Million for nine detached houses in Liverpool

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Specialist commercial finance broker, Xander Wealth Commercial finance have surpassed £10m worth of development loans and private investment raised, after a record-breaking month in June 2021.

kristian — Mon, 12 Jul 2021 09:15:54 +0000

The Leeds based company have completed the financing of three major projects which have contributed to an excellent year for them so far, despite the ongoing pandemic.

“For a relatively new finance business, barely out of our second year, to surpass £10m despite Covid challenges is an amazing achievement and testament”.

They have recently completed funding to the tune of £3,215,000 between three projects across the North on England including £720,000 towards the completion of ten family homes in South Hiendly near Barnsley. The Yorkshire firm have also spread their wings outside of the county.

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Xander Wealth Commercial Finance has secured a £2.7m investment and development finance deal for the construction of 17 apartments in Scarborough.

kristian — Fri, 12 Jun 2020 13:30:54 +0000

The deal was in partnership with a local developer.
The Leeds-based commercial finance brokerage completed the deal in May, and work on the scheme is due to start imminently, with it expected to be completed by August 2021.
The apartments — which will have wheelchair access — will be constructed using insulated concrete, made with rigid thermal insulation and interlocking modular units which are dry-stacked and filled with concrete.
Some of them have views of Scarborough’s south bay, and are located near the town centre, train station and beach.

Funding dependent on loan book redemptions to finance current commitments could become ‘problematic’
‘2020 and beyond will no doubt place pressure on existing brokers to upskill’
P2P lenders ‘must be part of the solution’ to avoid protracted impact on housebuilding activity

Xander Wealth can arrange development finance, bridging loans, commercial mortgages, and BTL for limited companies. Since inception, it has arranged funds worth over £4.2m.

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