RNR Commercial Finance

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RNR Commercial Finance

Strategic finance solutions for property investors & developers. Bridging & development finance. Fast. Tailored. Reliable.

Based in Leicester | Serving clients UK-wide

Enquiries: [email protected]

27/08/2026

𝐀 𝐠𝐨𝐨𝐝 𝐛𝐫𝐢𝐝𝐠𝐢𝐧𝐠 𝐝𝐞𝐚𝐥 𝐜𝐚𝐧 𝐬𝐭𝐢𝐥𝐥 𝐟𝐚𝐥𝐥 𝐝𝐨𝐰𝐧 𝐨𝐧 𝐭𝐡𝐞 𝐞𝐱𝐢𝐭 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲.

When looking at bridging finance, the purchase price and the property itself are only part of the picture.

Lenders also need to be comfortable with one very important question:

𝐇𝐨𝐰 𝐚𝐫𝐞 𝐭𝐡𝐞𝐲 𝐠𝐨𝐢𝐧𝐠 𝐭𝐨 𝐠𝐞𝐭 𝐭𝐡𝐞𝐢𝐫 𝐦𝐨𝐧𝐞𝐲 𝐛𝐚𝐜𝐤?

There’s a big difference between:

❌ “I’ll refinance once the works are finished.”

and

✅ Having a clear refinance route, realistic end value, achievable timescale and a Plan B if things don’t go as expected.

If the exit is a refinance, lenders may want to understand:

➡️ What type of mortgage will you refinance onto?
➡️ Will the rental income support the borrowing?
➡️ Will the finished property meet the next lender’s criteria?
➡️ Is the expected end value realistic?
➡️ What happens if the original exit takes longer than planned?

𝐓𝐡𝐞 𝐞𝐱𝐢𝐭 𝐬𝐭𝐫𝐚𝐭𝐞𝐠𝐲 𝐬𝐡𝐨𝐮𝐥𝐝 𝐛𝐞 𝐭𝐡𝐨𝐮𝐠𝐡𝐭 𝐚𝐛𝐨𝐮𝐭 𝐚𝐭 𝐭𝐡𝐞 𝐬𝐭𝐚𝐫𝐭 𝐨𝐟 𝐭𝐡𝐞 𝐝𝐞𝐚𝐥, 𝐧𝐨𝐭 𝐰𝐡𝐞𝐧 𝐭𝐡𝐞 𝐛𝐫𝐢𝐝𝐠𝐞 𝐢𝐬 𝐜𝐨𝐦𝐢𝐧𝐠 𝐭𝐨 𝐚𝐧 𝐞𝐧𝐝.

🎥 I explain more in the video.

23/07/2026

Stop Asking ‘What’s the Cheapest Rate?’ Start Asking This.

13/06/2026

⚽️ 𝗦𝗲𝗰𝗼𝗻𝗱 𝗴𝗼𝗮𝗹 𝘄𝗶𝘁𝗵 𝗠𝗦 𝗟𝗲𝗻𝗱𝗶𝗻𝗴!

In the spirit of the World Cup, I’m pleased to share that we have completed another bridging finance case with MS Lending earlier this week.

This is now our second completed transaction with MS Lending, so I think it’s fair to call that another goal scored for the client! ⚽️

The client was buying another investment property, but this one needed work.

It was a derelict HMO property, with the plan to fully refurbish it to a high standard using their own funds.

Once the works are complete and the property is ready, the aim is to refinance onto a suitable HMO buy-to-let mortgage.

This is a good example of how bridging finance can help property investors move forward when a property needs work before it is ready for long-term finance.

It’s not just about getting the funds quickly.

It’s about having the right plan, the right exit strategy, and the right lender involved from the start.

A big thank you to MS Lending again for their support, and a special thank you to Ash Kendall, BDM, for his help and communication throughout the process.

Great to get this one completed for the client.

Looking forward to the next one. ⚽️

04/06/2026

⏰ 𝐖𝐡𝐞𝐧 𝐭𝐢𝐦𝐞 𝐰𝐚𝐬 𝐫𝐮𝐧𝐧𝐢𝐧𝐠 𝐨𝐮𝐭 𝐚𝐧𝐝 𝐡𝐨𝐩𝐞 𝐰𝐚𝐬 𝐬𝐭𝐚𝐫𝐭𝐢𝐧𝐠 𝐭𝐨 𝐟𝐚𝐝𝐞…

A ground-up development case needed the right funding solution.

The client was stressed, the deal was complex, and time was becoming a real issue.

Another lender had initially accepted the case, only to later decline it.

That left the client in a difficult position, with uncertainty around whether the project could still move forward.

This is where the right lender relationship really matters.

I took the case to BFS, knowing they had the appetite to consider 𝐚 𝟏𝟎𝟎% 𝐥𝐨𝐚𝐧-𝐭𝐨-𝐜𝐨𝐬𝐭 𝐟𝐚𝐜𝐢𝐥𝐢𝐭𝐲.

But this was not just about sending the enquiry in and waiting for an answer.

There was a lot of back and forth between myself, the BDM and underwriting.

The structure needed to be understood.

The client’s position needed to be explained clearly.

And the exit strategy had to make sense.

To give the case the best chance, we arranged a Zoom meeting with myself, the client, the BDM and a Senior Director at the lender.

That meeting was key. 🤝

It allowed everyone to understand the deal properly, ask the right questions, address any concerns and get comfortable with the structure.

Halfway through the process, Debbie also drove down from Liverpool so we could sit down face-to-face and go through the case in detail.

Again, that made a real difference.

A week later, we had an agreement in principle for 𝐚 𝟏𝟎𝟎% 𝐥𝐨𝐚𝐧-𝐭𝐨-𝐜𝐨𝐬𝐭 𝐟𝐚𝐜𝐢𝐥𝐢𝐭𝐲.

Now, we are not over the line yet.

The case is still subject to valuation, QS report, legals and full underwriting.

But this is a great reminder that complex development cases do not always fail because the deal is weak.

Sometimes, they fail because the structure has not been fully understood.

Sometimes, the right lender has not been approached.

And sometimes, the case simply needs proper communication between the client, broker, BDM and lender.

For property developers and investors, speed matters.

But structure matters even more.

And in development finance, 𝐫𝐞𝐥𝐚𝐭𝐢𝐨𝐧𝐬𝐡𝐢𝐩𝐬 𝐚𝐧𝐝 𝐜𝐥𝐞𝐚𝐫 𝐜𝐨𝐦𝐦𝐮𝐧𝐢𝐜𝐚𝐭𝐢𝐨𝐧 can make all the difference.

𝐈𝐟 𝐲𝐨𝐮 𝐡𝐚𝐯𝐞 𝐚 𝐝𝐞𝐯𝐞𝐥𝐨𝐩𝐦𝐞𝐧𝐭 𝐨𝐫 𝐛𝐫𝐢𝐝𝐠𝐢𝐧𝐠 𝐜𝐚𝐬𝐞 𝐭𝐡𝐚𝐭 𝐧𝐞𝐞𝐝𝐬 𝐚 𝐜𝐥𝐞𝐚𝐫 𝐩𝐥𝐚𝐧, 𝐈’𝐦 𝐡𝐚𝐩𝐩𝐲 𝐭𝐨 𝐡𝐚𝐯𝐞 𝐚 𝐜𝐡𝐚𝐭.

21/04/2026

Exciting lender insights this week! First, for those taking their first steps as developers, and yes, the rates might be higher, but the right funding can make your project happen. Secondly, we’ve got strong options for service accommodation, social housing and serco accommodation, and in addition to a more competitive bridging product!

If you’re ready to move on your next property deal, let’s chat! We’ll help you find the right lender to back your vision. Drop us a message!

23/03/2026

𝐆𝐫𝐞𝐚𝐭 𝐰𝐚𝐲 𝐭𝐨 𝐬𝐭𝐚𝐫𝐭 𝐭𝐡𝐞 𝐰𝐞𝐞𝐤 👊

Two really productive meetings today with bridging lenders—always valuable to stay close to the people actually making things happen behind the scenes.

Started the day in Leicester over a 𝐊𝐚𝐫𝐚𝐤 𝐂𝐡𝐚𝐢 ☕ (Indian Tea) with Loren from TAB (thanks again for making the trip!).

Having already placed a case with TAB, it was great to catch up properly and go through their offering in more detail:

✔️ Happy to work with 𝐟𝐢𝐫𝐬𝐭-𝐭𝐢𝐦𝐞 𝐥𝐚𝐧𝐝𝐥𝐨𝐫𝐝𝐬/𝐢𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬
✔️ 𝐃𝐢𝐫𝐞𝐜𝐭 𝐚𝐜𝐜𝐞𝐬𝐬 𝐭𝐨 𝐮𝐧𝐝𝐞𝐫𝐰𝐫𝐢𝐭𝐞𝐫𝐬 (huge advantage)
✔️ Can use 𝐝𝐞𝐬𝐤𝐭𝐨𝐩 𝐯𝐚𝐥𝐮𝐚𝐭𝐢𝐨𝐧𝐬 / 𝐀𝐕𝐌𝐬 on residential deals
✔️ Quick turnaround on full valuations when needed
✔️ All with 𝐯𝐞𝐫𝐲 𝐜𝐨𝐦𝐩𝐞𝐭𝐢𝐭𝐢𝐯𝐞 𝐫𝐚𝐭𝐞𝐬

Then followed up with a virtual meeting with Phoebe from Somo.

Another strong lender with competitive pricing, but what really stands out is their ability to look at 𝐜𝐚𝐬𝐞𝐬 𝐰𝐢𝐭𝐡 𝐚𝐝𝐯𝐞𝐫𝐬𝐞 𝐜𝐫𝐞𝐝𝐢𝐭, where many lenders simply say no.

That’s the reality of bridging…

👉 It’s not always about the cheapest rate
👉 It’s about 𝐟𝐢𝐧𝐝𝐢𝐧𝐠 𝐚 𝐥𝐞𝐧𝐝𝐞𝐫 𝐭𝐡𝐚𝐭 𝐟𝐢𝐭𝐬 𝐭𝐡𝐞 𝐝𝐞𝐚𝐥

If you’ve got a deal you’re unsure about, feel free to drop me a message 👍

05/03/2026

𝐌𝐨𝐬𝐭 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐢𝐧𝐯𝐞𝐬𝐭𝐨𝐫𝐬 𝐭𝐡𝐢𝐧𝐤 𝐭𝐡𝐞𝐲 𝐨𝐰𝐧 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲.

In reality, they run a business.

A property portfolio is simply a business that happens to be backed by bricks and mortar.

Like any business, growth depends on three things:

• Access to capital
• Speed of ex*****on
• Reinvesting profits

This is where bridging and development finance come in.
They’re not just “expensive loans”.

They’re tools that allow investors and developers to 𝐦𝐨𝐯𝐞 𝐜𝐚𝐩𝐢𝐭𝐚𝐥 𝐪𝐮𝐢𝐜𝐤𝐥𝐲, 𝐚𝐝𝐝 𝐯𝐚𝐥𝐮𝐞, 𝐚𝐧𝐝 𝐬𝐜𝐚𝐥𝐞 𝐟𝐚𝐬𝐭𝐞𝐫 𝐭𝐡𝐚𝐧 𝐭𝐫𝐚𝐝𝐢𝐭𝐢𝐨𝐧𝐚𝐥 𝐥𝐞𝐧𝐝𝐢𝐧𝐠 𝐚𝐥𝐥𝐨𝐰𝐬.

The investors who grow the fastest are rarely the ones chasing the lowest rates.
They’re the ones structuring funding correctly.

𝐁𝐞𝐜𝐚𝐮𝐬𝐞 𝐢𝐧 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲, 𝐜𝐚𝐩𝐢𝐭𝐚𝐥 𝐭𝐡𝐚𝐭 𝐦𝐨𝐯𝐞𝐬 𝐜𝐫𝐞𝐚𝐭𝐞𝐬 𝐨𝐩𝐩𝐨𝐫𝐭𝐮𝐧𝐢𝐭𝐲.

Capital that sits still does not.

13/02/2026

𝐁𝐚𝐜𝐤 𝐭𝐨 𝐢𝐭! 🌴☀️

I’m officially back in the UK a few days ago after a brilliant break in Mumbai and Dubai, celebrating my mum’s pre-75th birthday 🎂. It was a well-deserved rest, but it’s great to be back to the grind!

While away last week, we had a bridging loan complete for a client 🏡. Even though it was a smaller deal, it’s a huge win for my client as it clears the way for a massive ground-up development project they have coming up 🏗️.

Fingers crossed for the next stage, for which I’ll share more details as soon as it’s all signed off and completed! 🤞

A massive shoutout to Paul Timmins and the team at Affirmative Finance for helping us get this over the line. 2026 is shaping up to be a big year! 🚀

25/11/2025

🌟 We’ve just wrapped up an amazing bridging loan for a client converting the top floor of their fully commercial property into residential space, and we couldn’t be happier with the result!

A massive shout-out to TAB for being fantastic partners throughout, and to their underwriter Justice for keeping communication quick and smooth. Yes, we hit a couple of the usual legal hiccups (as most deals do!), but that’s exactly where we step in to keep the process calm, clear, and stress-free for our clients.

We’ve already mapped out the exit plan, and once the conversion’s complete, the client will move onto a more competitive semi-commercial mortgage rate.

And the best part? This client actually found us through social media, so no referral, just our content doing its job. 🙌

If you’re planning a property project and want the right support from day one, you know who to call. 😉

Address

St. Georges House, 6 Street Georges Way
Leicester
LE11QZ

Telephone

+447935218098

Website

http://Www.RNR-commercial.co.uk/

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