Merryoaks Finance

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Merryoaks Finance

Merryoaks provides growth-based property finance advisory for investors and developers. We are here to help you find the best solution.

With long-standing industry relationships and access to a wide range of market-leading lenders and rates, we can construct bespoke financing for your next move and help you reach new heights in your property business.

✔️Short Term Finance
✔️Development Finance
✔️Investment Finance

Even in complex cases, our professional industry contacts will aid us in solving the problem.

16/10/2026

✅ £2.1m commercial refinance secured
🏘️ 15 unit block of flats
📍 Exeter
💷 £430k equity released

Our client owned a 15 unit block of flats in Exeter and wanted to release equity to put towards new property and back into the business.

George, our head of Bridging and Commercial, secured a £2.1m refinance at 65% LTV on a 5 year term at 5.18% per annum. The deal also came with no arrangement fee, no exit fee and no personal guarantee.

Once the existing £1.67m loan was repaid, the client had £430k released to put towards their next move.

📄 Full case study now live on our website.
🔗 https://eu1.hubs.ly/H0z7FpG0

09/10/2026

✅ £1.5m term loan secured
🏠 11 bed HMO + studio
📍 Harrow
⏱️ Completed in 4 weeks

Our client bought this property as an office building for £850k before converting it into an 11 bed HMO and studio. They came to us when they needed to refinance away from their short term lender.

The client was targeting £2.1m valuation, so Amandeep our specialist mortgage advisor, looked closely through the lenders and the valuers before deciding where to place the case.

We ended up submitting it through 2 different lenders and valuation panels to give the client the best chance of getting the valuation they needed.

It was a great result. The property was valued at £2.1m and we secured the full £1.5m term loan.

Full case study now live on our website.
https://eu1.hubs.ly/H0y-rT20

02/09/2026

We're still on a high from the Snowdon charity climb 🏔️🧗

It rained almost the entire way. We were soaked and exhausted by the time we reached the top, but when we got there we were so proud of ourselves. And on top of that we raised £410 for Great Ormond Street Hospital.

Thanks again to Hampshire Trust Bank for supporting us and to everyone who donated.

27/08/2026

Choosing the right insurance is about understanding what or who needs protecting.

Wherever you are in life, it's worth reviewing what you already have in place and whether it still reflects your situation today.

Have a conversation with us and we can help you understand your options.

📩 [email protected]
📞 020 3797 7559
🌐 merryoaks.com

13/08/2026

✅ £198,000 secured
🏘️ 6 bed social housing HMO, Manchester
📍 Manchester
🔑 SPV mortgage

Social housing is one of the more creative strategies investors are using right now to create reliable income from property.

This client bought a three bedroom house in Manchester and is converting it into a six bed HMO for social housing. He had used investor funding and needed to refinance onto a mortgage to repay it.

Social housing leases are not something every lender is comfortable with but we found the right one for this deal. The valuation came back well, the investor was repaid in full and the client now has money left over for his next project.

📄 Full case study now live on our site.
🔗 https://eu1.hubs.ly/H0xD1xL0

31/07/2026

✅ £1.4m development loan secured
🏘️ Semi commercial building
📐 6 residential units and 1 commercial unit
📍 Whitstable, Kent

Our clients needed to refinance a bridging loan onto a development loan to convert a semi commercial building into 6 residential units and 1 commercial unit. But the planning had come through in stages, which made it more complex.

We found a lender comfortable with this, worked through the structuring to get it through credit approval and when the valuation came back, it reflected the planning gain far better than any of us had expected.

£384,060 was released on completion, which cleared the existing bridge and gave the clients working capital to get started.

Read the full case study 👉 https://www.merryoaks.com/news/ps1-4m-development-loan-secured-for-a-7-unit-whitstable-project

28/07/2026

This summer, the Merryoaks team and friends took on Snowdon.

Despite the bad weather conditions, we reached the top and it was all in support of Great Ormond Street Hospital and Charity.

We raised £410 for the charity, with each pound going towards life changing care for children and their families.

A huge thank you to Hampshire Trust Bank for their support, and to everyone who joined us and donated.

24/07/2026

Insurance doesn't have to be something you only remember when life takes an unexpected turn. Here, our client shares she's using her rewards to get to the gym more often and take her kids to the cinema.

Have a conversation with us, we can help you through your options.

📩 [email protected]
📞 020 3797 7559
🌐 merryoaks.com

09/07/2026

✅ £1.3m secured
🏢 25 unit seafront scheme
📍 Blackpool Promenade
🔑 Bridge to development exit

A building that had spent years sitting empty on Blackpool's promenade is now being transformed into 25 new homes.

Our client needed to move quickly to secure the site, so we arranged a bridging loan to make that possible. We then put a development loan in place, which repaid the bridge and gave the client the funding needed to fund the build.

The project will transform one of Blackpool's most recognisable seafront buildings into a mix of studios, one and two bedroom apartments with communal working spaces, a laundry and a gym.

Huge thanks to George for his hard work on this!

📄 Full case study now live on our site.
🔗 https://zurl.co/nmqve

If you are working on something similar, get in touch with the team.

25/06/2026

Yesterday, Britain had its hottest ever June day, reaching 36.1°C. The last record was 35.6°C during the summer of 1976, almost 50 years ago.

British housing has traditionally been designed to retain heat. That works well in winter, but much less so when temperatures are reaching record highs.

Since 2022, Part O of the Building Regulations has required new residential developments to show how overheating risk will be managed. This affects glazing, ventilation and the overall design of a scheme.

For developers, addressing overheating risk early in the design process is typically cheaper than making changes later and is now an important part of regulatory compliance.

Britain may not be known for its heat, but yesterday was a reminder that it should be part of every development conversation.
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If you're planning a development and would like to discuss funding options, we're always happy to have a conversation.

📞 020 3797 7559
🌐 https://zurl.co/JUmE8

Address

50 Liverpool Street
London
W1F8GH

Website

https://www.merryoaks.com/

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Contact The Business

Send a message to Merryoaks Finance:

College of Public Speaking London
Voluntary Action Islington, 200a Pentonville Road

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