RNR Commercial Finance

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RNR Commercial Finance

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

Based in Leicester | Serving clients UK-wide

Enquiries: [email protected]

02/11/2026

𝗪𝗼𝘂𝗹𝗱 𝘆𝗼𝘂 𝗰𝗵𝗼𝗼𝘀𝗲 𝘆𝗼𝘂𝗿 𝗯𝗿𝗶𝗱𝗴𝗶𝗻𝗴 𝗹𝗲𝗻𝗱𝗲𝗿 𝗽𝘂𝗿𝗲𝗹𝘆 𝗼𝗻 𝘁𝗵𝗲 𝗶𝗻𝘁𝗲𝗿𝗲𝘀𝘁 𝗿𝗮𝘁𝗲?

When you’re buying an investment property or funding a refurbishment, a lower rate is naturally attractive.

But before choosing a lender, there are other questions worth asking:

✅ 𝗗𝗼𝗲𝘀 𝘁𝗵𝗲 𝗳𝗮𝗰𝗶𝗹𝗶𝘁𝘆 𝗳𝗶𝘁 𝘁𝗵𝗲 𝗽𝗿𝗼𝗷𝗲𝗰𝘁?
Will it accommodate the property’s current condition, the proposed works and your intended exit?

✅ 𝗪𝗵𝗮𝘁 𝘄𝗶𝗹𝗹 𝘁𝗵𝗲 𝗯𝗼𝗿𝗿𝗼𝘄𝗶𝗻𝗴 𝗮𝗰𝘁𝘂𝗮𝗹𝗹𝘆 𝗰𝗼𝘀𝘁?
Look at arrangement fees, legal costs, minimum interest periods and repayment terms alongside the monthly rate.

✅ 𝗖𝗮𝗻 𝘁𝗵𝗲 𝘁𝗿𝗮𝗻𝘀𝗮𝗰𝘁𝗶𝗼𝗻 𝗺𝗲𝗲𝘁 𝘆𝗼𝘂𝗿 𝗱𝗲𝗮𝗱𝗹𝗶𝗻𝗲?
Valuation, underwriting and legal requirements all need to fit the time available.

✅ 𝗪𝗵𝗮𝘁 𝗵𝗮𝗽𝗽𝗲𝗻𝘀 𝗶𝗳 𝘆𝗼𝘂𝗿 𝗽𝗹𝗮𝗻𝘀 𝗰𝗵𝗮𝗻𝗴𝗲?
Understand the lender’s approach to delays and extensions. An extension should never be assumed.

A competitive rate matters. So does choosing funding that works from purchase through to repayment.

At RNR Commercial Finance I look at the project as a whole, which is from the initial enquiry and lender selection through to funds being released and completion.

Considering bridging finance for your next investment? Let’s talk through the project and the numbers.

15/10/2026

🏗️ What happens when a bridging loan is coming to an end, but the property development is only halfway finished?

It's a situation I recently helped a client navigate, and I'm pleased to have had my experience featured in Bridging Loan Directory! 🙌

The client was converting a three-bedroom property into a five-bedroom HMO, but unexpected planning delays meant the project was only 50% complete when the bridging loan was approaching expiry.

With alternative lenders unwilling to refinance the unfinished works, we negotiated an extension with the existing lender.

It came at an additional cost, but gave the client valuable time to progress the development.

💡 The lesson? With bridging finance, it's not just about securing the funding. It's about having the right exit strategy and knowing what to do when things don't go to plan.

A big thank you to Tony Sanchez and the Bridging Loan Directory team for featuring my case study alongside other industry professionals! 🙏

👇 Read the full article in the comments.

25/09/2026

🏠𝐁𝐮𝐲𝐢𝐧𝐠 𝐚𝐧 𝐇𝐌𝐎 𝐩𝐫𝐨𝐣𝐞𝐜𝐭 𝐛𝐞𝐟𝐨𝐫𝐞 𝐩𝐥𝐚𝐧𝐧𝐢𝐧𝐠 𝐢𝐬 𝐢𝐧 𝐩𝐥𝐚𝐜𝐞, 𝐜𝐚𝐧 𝐢𝐭 𝐬𝐭𝐢𝐥𝐥 𝐰𝐨𝐫𝐤?

Sometimes, yes.

I recently came across an interesting lender case study involving a property investor in Wales who bought a three-bedroom property for £85,000, with plans to convert it into a four-bedroom HMO.

The challenge was that planning permission had not yet been granted.

Instead of waiting and potentially losing the property, the funding was structured in stages:

✅ 𝐒𝐭𝐚𝐠𝐞 𝐎𝐧𝐞: A bridging loan was used to secure the property.

✅ 𝐒𝐭𝐚𝐠𝐞 𝐓𝐰𝐨: Once planning permission was granted, the finance moved onto a refurbishment facility.

✅ 𝐒𝐭𝐚𝐠𝐞 𝐓𝐡𝐫𝐞𝐞: A further £52,000 was then made available towards the refurbishment works.

What I like about this example is that it shows why property finance is not always just about finding the cheapest rate.

For 𝐇𝐌𝐎 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐢𝐨𝐧𝐬, 𝐫𝐞𝐟𝐮𝐫𝐛𝐢𝐬𝐡𝐦𝐞𝐧𝐭𝐬 𝐚𝐧𝐝 𝐨𝐭𝐡𝐞𝐫 𝐯𝐚𝐥𝐮𝐞-𝐚𝐝𝐝 𝐩𝐫𝐨𝐣𝐞𝐜𝐭𝐬, 𝐲𝐨𝐮 𝐧𝐞𝐞𝐝 𝐭𝐨 𝐭𝐡𝐢𝐧𝐤 𝐚𝐛𝐨𝐮𝐭 𝐭𝐡𝐞 𝐰𝐡𝐨𝐥𝐞 𝐣𝐨𝐮𝐫𝐧𝐞𝐲:

• How will you buy the property?
• What happens while planning is being agreed?
• How will the works be funded?
• What happens if there are delays?
• And what is the exit strategy once the project is complete?

Sometimes the right solution is not simply one loan.

It is about putting together a finance structure that works through the different stages of the project.

If you are looking at an 𝐇𝐌𝐎, 𝐫𝐞𝐟𝐮𝐫𝐛𝐢𝐬𝐡𝐦𝐞𝐧𝐭, 𝐜𝐨𝐧𝐯𝐞𝐫𝐬𝐢𝐨𝐧 𝐨𝐫 𝐨𝐭𝐡𝐞𝐫 𝐩𝐫𝐨𝐩𝐞𝐫𝐭𝐲 𝐩𝐫𝐨𝐣𝐞𝐜𝐭 and want to understand what finance options may be available before you commit to the purchase, feel free to get in touch.

📩 RNR Commercial Finance

18/09/2026

🏁 £68,223 𝐬𝐞𝐦𝐢-𝐜𝐨𝐦𝐦𝐞𝐫𝐜𝐢𝐚𝐥 𝐫𝐞𝐟𝐢𝐧𝐚𝐧𝐜𝐞 𝐜𝐨𝐦𝐩𝐥𝐞𝐭𝐞𝐝 𝐰𝐢𝐭𝐡 𝐓𝐨𝐠𝐞𝐭𝐡𝐞𝐫!

A smaller loan, but a big outcome for our client. 👏

𝐀𝐭 𝐑𝐍𝐑 𝐂𝐨𝐦𝐦𝐞𝐫𝐜𝐢𝐚𝐥 𝐅𝐢𝐧𝐚𝐧𝐜𝐞, 𝐰𝐞 𝐝𝐨𝐧’𝐭 𝐬𝐡𝐲 𝐚𝐰𝐚𝐲 𝐟𝐫𝐨𝐦 𝐬𝐦𝐚𝐥𝐥𝐞𝐫 𝐥𝐨𝐚𝐧𝐬. Every client deserves the support needed to move forward.

We were delighted to finally get this deal over the line last week, allowing our client to repay an expensive bridging loan arranged through a previous broker.

With both the commercial and residential parts of the property untenanted, alongside the client’s circumstances, this was a complex refinance.

Together offered a workable route forward. Our client understood that, while cost mattered, the priority was finding a lender that could accommodate the circumstances and complete the funding.

Thank you to the team at Together for helping us get this one completed. 🤝

Need to repay a bridging loan or refinance a semi-commercial property? Send me a message, even if your borrowing requirement is modest.

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 👍

Address

St. Georges House, 6 Street Georges Way
Leicester
LE11QZ

Telephone

+447935218098

Website

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

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