Merryoaks Finance

In my latest YouTube episode, I visit one of the most impressive developments I’ve seen, situated within the greenbelt and an area of outstanding natural beauty in Buckinghamshire. These 3 detached luxury homes have been developed by serial award winning property developer, prop-tech investor and educator, Paul Higgs MRICS, and have a GDV of £10+ million! Watch the episode to checkout the incredible design features and get Paul’s thoughts on the challenges within the current planning system. 👉LINK IN COMMENTS #property #propertydeveloper #proptech #propertydevelopment #BiophilicDesign #architecture

Are you looking for fast finance with a high loan to value to carry out a renovation, get it re-valued and move onto your next project? We're excited to be working with a lender that's offering 85% LTV day one on light refurbs! 💬Send us a message to find 💸out more! #propertyfinance #property #propertyinvesting #fastfinance #BRRR

🚨DEVELOPERS - Stop using debt as equity!* It’s a tempting strategy—raising 100% debt to cover your capital stack instead of giving away 20%+ for equity. But the risks are huge. When debt makes up the entire capital stack, there’s almost no margin for error. This approach only works if everything goes perfectly—low build costs, quick sales, and a rising market. But when costs rise or sales slow down (as they often do), margins shrink, and developers may end up with losses, not profits. What happens next? Developers either raise more debt to cover the shortfall or face tough options like bankruptcy. This leads to a vicious cycle-over-leveraged projects, rushed deals, and mounting debt. In worst cases, this spirals into an unintentional Ponzi scheme, where more debt is used to pay off previous losses. So, developers, be cautious with 100% debt LTC deals and understand the market direction. And investors, always request a balance sheet, scrutinise both assets and liabilities, and seriously consider taking an equity position for a higher return. Smart structuring now can avoid major headaches later. *if you do structure your deals with 100% debt, just make sure you are fully aware of the risks. #RealEstateInvesting #DevelopmentFinance #PropertyFinance #FinanceBroker #RiskManagement #CapitalStack

⚡️FAST FLIP TRANSFORMATION!⚡️ We are delighted to share these before and after images of an amazing project our client has carried out. The property was a rundown flat in Chingford Road, London and the first professional investment project for the client. We helped the client secure a bridging loan for them to tackle a full renovation and transform it into a desirable 2-bed home. The standard of which was so high that an offer was made on the first open-day followed by a fast re-sell - proving that a simple flip in London can still result in a great return on investment. 💰Deal Highlights: Purchase Price: £326,200 Gross Loan: £201,900 Refurb Costs: £52,520 Sale Price: £460,000 (Over Asking by £10k!) Fees: £16,987 Profit: £38,432  Timeframe: Bought in Feb ‘24, Sold in Sept ‘24 Are you interested in deals like this? Speak to our Funding Specialists to find out more about securing the best finance for your project! #property #propertydevelopment #developmentloan #developmentfinance #bridgingloan #bridgingfinance #transformation #beforeandafter

DEBT FINANCE RISKS ⚠️ - Part 4/4 In the final video of my series on the risks of debt finance, these are the last two important risks you need to understand to protect your investment and navigate debt smarter. 🚨 Covenant Risk: What happens if you breach loan terms, and how to avoid financial penalties. 🚨Personal Liability: The real impact on your personal assets if things go wrong. Whether you're refinancing or funding a new development, these risks are critical to manage. While debt carries risks, when structured and managed correctly, it can be a game-changer for scaling your property portfolio and unlocking new opportunities - without overexposing yourself. If you’ve got any questions about using debt finance, drop me a message and we can chat💬 #PropertyFinance #DebtFinance #PropertyInvesting #FinanceBroker #propertytips #investingtips #propertyinvestor #propertydeveloper

In this episode, I head up to Telford to visit clients, husband and wife duo, Harry & Sonika, at their incredible 5-bed HMO. This is their first HMO and they definitely haven’t done things by half. Not only have they taken a tired property and transformed it into a beautiful home for 5 professional individuals, they’ve also created a great cash-flowing asset. Now, they’re onto their next project - a stunning grade two listed building. Watch the video to check out both projects and learn more about this dynamic property duo. 👉LINK IN COMMENTS #property #propertyinvesting #propertyinvestor #realestate #hmo #beforeandafter #renovation

“Lenders can be quite intrusive.” “Lenders are unreasonable”.  “Lenders ask too many questions.” These are a few of the politer statements made by investors/developers I have spoken to when talking about probing lender requirements when underwriting a loan. Why do lenders ask so many questions? It is simply to better understand the deal & who they are investing in. The better they understand the asset/security, the structure of the deal, who you are as an investor/developer - the better they can make an informed decision and hopefully get comfortable funding you. Unfortunately some lenders processes are not the best and this can mean delays in approving your loan or (at worst) a slow no; but it is part of the process. As such, the better prepared you are to answer their questions and have a reasonable narrative backed with evidence - the easier funding becomes and the more certainty you have in the process. I have told a few people in the past, “if you have an easier way to raise 6, 7 and 8 figure sums outside of filling out a few forms and answering a bunch of questions, please go down that route”. The answer is usually the same. Don’t be defensive, be prepared and keep smiling. #financebroker #propertyinvestor #propertydeveloper #propertyfinance #propertytips #investingtips #btl #landlords

🎉 One year ago today, George M. became part of the Merryoaks Finance family. It's been an absolute pleasure, George, and the best is yet to come. 🙌

Done Deal✅ We recently completed a £1.1 million re-bridge on a stunning, Grade II Listed Public House in Cheshire. The building consists of a commercial unit to the lower floor with 6 beautifully refurbished letting rooms to the upper floors - generating over £150,000 of annual income! The borrower, who developed the site, is now considering stabilising the asset for long-term hold or potential sale. With interest rates gradually improving, a 12-month loan offers flexibility and options. To make the process smoother for the developer, we managed to find a lender that would work with the surveyor that had acted for a previous lender on the same asset to reduce valuation risk and create more certainty. As a result, we successfully secured the loan in just 4 weeks!🙌 #BridgingFinance #CommercialProperty #PropertyFinance #RealEstateFinance #InvestmentProperty #PropertyDevelopment

We are #hiring. Know anyone who might be interested? We have an exciting role for anyone that is ambitious and hit a glass ceiling in their current role. Please share/reach out. Hope to hear from you soon.