Specialist Property Finance Guides
Practical, plain-English guides covering the main areas of specialist property finance — from how bridging loans are priced to the mechanics of development funding, the demands of auction purchases and the planning and licensing issues that can affect whether a property can be financed at all. Use them to understand the options, prepare a stronger enquiry and estimate costs before you speak to anyone.
Bridging Finance
Short-term secured lending for purchases, refinancing and refurbishment — how it is priced, structured and compared.
What Is Bridging Finance?
Open vs closed, first and second charge, interest options and exit strategies explained.
ViewBridging Loan Fees
The arrangement, valuation, legal and exit costs that make up the true cost of a bridge.
ViewGross Loan vs Net Loan
How deductions affect the amount you actually receive on completion.
ViewBridging Interest Explained
Monthly rates, rolled-up, retained and serviced interest — and how each affects cost.
ViewHow to Compare Bridging Loan Offers
What to look at beyond the headline rate when weighing up quotes.
ViewLegal and Valuation Costs
The third-party costs a borrower typically meets on a bridging transaction.
ViewBridging vs Development Finance
A side-by-side comparison to help you decide which suits your project.
ViewBridging Loan Calculator
Estimate indicative costs and net advance for a bridging scenario.
ViewAuction Finance
Funding built around the demanding timescales of auction purchases, where certainty and speed matter most.
Development Finance
Staged funding for residential, commercial and mixed-use development, from light works to ground-up schemes.
Commercial & Investment Property
Funding for commercial premises, HMOs, multi-unit blocks and existing portfolios held for investment.
Commercial Bridging Finance
Short-term funding secured against commercial and semi-commercial property.
ViewHMO Finance Explained
Planning use classes, licensing and what makes a strong HMO application.
ViewMUFB Finance Explained
How lenders assess multi-unit freehold blocks under a single title.
ViewPortfolio Refinancing
Restructuring borrowing across multiple properties.
ViewHMO Finance Solution
Our HMO finance overview and how to enquire.
ViewMUFB Finance Solution
Our MUFB finance overview and how to enquire.
ViewProperty & Legal Considerations
The planning, licensing and leasehold issues that can affect whether — and how — a property can be financed.
Planning Permission & Permitted Development
When works need consent and why planning status affects finance.
ViewHMO & Property Licensing
Mandatory, additional and selective licensing considerations for investors.
ViewLease Lengths & Mortgage Lending
How remaining lease term and ground rent can affect lending and value.
ViewHow We Select Specialist Brokers
3 Trees Finance is an introducer. Learn how we consider which type of specialist broker may be best placed to assist with a given enquiry.
Read moreDiscuss Your Requirement
Tell us about the property, the finance required and your timescale, and we will consider how we may be able to help.
Contact usInformation on this website is provided for general information only and does not constitute financial or legal advice.