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Products

We have a highly experienced team, with many years’ experience specialising in residential development lending.

Our core services

STRETCHED SENIOR DEVELOPMENT LOANS

Pluto provides Stretched Senior Loans from £8m+ to fund up to 90% of costs for residential development projects in strong locations for experienced developers.

SENIOR DEVELOPMENT LOANS

We provide Senior Loans from £8m+ to fund up to 60% of GDV or 70% of costs for residential development projects in London and the south east. We can provide a much faster turnaround than traditional high street lenders, with rates from 4.0%.

BRIDGING

We provide Bridging Loans of £1m – £30m, lending up to 72% of existing value for 3 to 12 months. Our bridging loans can help with site acquisition, or re-finance a completed scheme.

PRS TERM LOAN

We provide PRS Term Loans of £5m – £50m, offering up to 65% LTV and fixed terms of 10 years and above.  Interest only options for up to 5 years negotiable. 

Stretched Senior Development Loans

  • Loan sizes from £8m+

  • Up to 90% Loan to Cost (excluding rolled up interest) and 80% Loan to Value (including rolled up interest)

  • We will consider locations across the UK and we will lend on any type of residential development.

  • Fast turnaround with terms issued within 48 hours

  • Pluto Finance is a principal lender, not an intermediary

  • Loan secured by first legal charge on the development site

  • Pricing depends on the leverage level and may be expressed as a simple interest rate or interest rate plus fees depending on the project.

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Senior Development Loans

  • Loan sizes from £8m+

  • Up to 70% Loan to Cost and 60% Loan to Value (including rolled up interest)

  • We will consider locations in London and the south east, which are residential or residential-led

  • Fast turnaround with terms issued within 48 hours

  • Pluto Finance is a principal lender, not an intermediary

  • Loan secured by first legal charge on the development site

  • Experienced developers only

  • Maximum 30 month term

  • Pricing depends on the leverage level and may be expressed as a simple interest rate or interest rate plus fees depending on the project.

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Bridging

  • Loan sizes from £1m – £30m

  • Up to  72% Loan to Value (including rolled up interest)

  • Loan terms of 3 – 12 months

  • We will consider locations in London and the South East

  • All asset classes considered – land, commercial and residential

  • We consider potential development sites as well as refinancing completed units

  • Fast turnaround with terms issued within 48 hours

  • Pluto Finance is a principal lender, not an intermediary

  • Loan secured by first legal charge on the site

GET A QUOTE
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PRS Term Loan

  • Loan size: £5m – £50m

  • LTV up to 65%

  • Fixed 10 year term loans

  • Up to 5 years interest only period negotiable

  • Pricing from 225 bps plus relevant swap rate

  • All reasonable economic centres throughout England and Wales looked at

  • Loans secured against unbroken blocks with option for retail / commercial to be included

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