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.

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.
--

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

18/06/2026

Last Saturday was amazing. We spent it at the Property & Entrepreneur Summit and we couldn't have asked for a better day.

We met many new and old faces, had great conversations with potential clients and got a good sense of where the market's heading. It was exactly what was needed.

Huge thanks to Paul Stapleton for putting this together 🚀.

Whether you were at the summit or not, if you have a deal coming up or questions about finance, we're always here to help.

Contact us
📩 [email protected]
📞 020 3797 7559
🌐 https://zurl.co/2FOSC

16/06/2026

✅ £243,000 bridging loan secured
🏠 Residential flat, London
📍 Below market value purchase (BMV)

A portfolio landlord found a BMV London flat which had a 56 year remaining lease.

The freeholder had agreed to extend to 146 years on completion, which would take the property from £184,000 to £325,000. The challenge was finding a lender willing to fund against that post extension value before the extension had legally completed.

Through our lender panel, we found one who was perfect for the deal. The loan was structured at 75% of the purchase price plus 100% of the £53,000 lease extension cost, which was paid simultaneously on completion and covered in full within the facility.

Our Head of Bridging and Commercial led this deal from start to finish.

If you have a short lease deal you are trying to get funded, speak to us.

📄 Full case study now live on our site. 🔗 Click the link in bio.

Address

50 Liverpool Street
London
W1F8GH

Website

https://www.merryoaks.com/

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