Ice3 Property Finance

04/02/2026

As we head into the final 6 games of the season I just wanted to give a shout out and thank you to our co-sponsors and fellow kit sponsors of York Rugby Union FC - it’s our 4th year as main club sponsor and while it’s been a tough year on the field we continue to enjoy supporting this important part of the city’s sporting and social DNA 🏉

04/02/2026

30/10/2025

Every project has a gap to fill.

That's where Mezzanine Debt comes in: the funding that bridges the shortfall between Senior Debt and Equity.

Higher risk, higher cost, but often the difference between a deal stalling or going ahead.

📞 01904 896740
📧 [email protected]

27/10/2025

The middle layer that unlocks a property finance deal.

Sitting between senior debt and equity is Mezzanine Debt.

It's higher risk and higher cost, but it bridges the gap that can otherwise hold a project back.

By reducing how much personal equity a developer needs to commit, mezzanine finance helps unlock more opportunities, faster.

If you want to know more about The Capital Stack, watch the full video here: https://youtu.be/ghivKI4ZMQE

Get in touch today:
📞 01904 896740
📧 [email protected]

23/10/2025

A low rate doesn't always mean a better deal.

ERCs (Early Repayment Charges) can flip the numbers fast. What looks cheap on the surface can end up costing more once you factor in exit fees.

Have you ever seen ERCs catch someone out?

📞 01904 896740
📧 [email protected]

21/10/2025

Exiting early can cost you...

Early Repayment Charges are one of those details that can make a big difference to the value of a deal.

With the right structure, you can avoid unnecessary fees and keep your project on track.

📞 01904 896740
📧 [email protected]

21/10/2025

Exiting early can cost you...

Early Repayment Charges are one of those details that can make a big difference to the value of a deal.

With the right structure, you can avoid unnecessary fees and keep your project on track.

📞 01904 896740
📧 [email protected]

16/10/2025

The foundation of every deal...Senior Debt.

It's the foundation of the Capital Stack, the largest and cheapest source of funding, secured with a first charge over the asset.

Without it, most developments wouldn't get off the ground.

📞 01904 896740
📧 [email protected]

13/10/2025

Every deal has a structure...The Capital Stack.

The Capital Stack is the layers of funding that make a development possible.

Senior debt forms the base, with other finance on top to reduce how much equity a developer needs to commit.

With costs rising and timelines tightening, understanding and using the whole stack is often the key to getting projects moving.

If you want to know more about The Capital Stack, watch the full video here: https://youtu.be/ghivKI4ZMQE

📞 01904 896740
📧 [email protected]

09/10/2025

GDV, LTC, LTV...

You hear them everywhere in property finance, but what do they actually mean?

These aren't just letters; they're the ratios that shape how funding is structured.

Get in touch:
📞 01904 896740
📧 [email protected]

07/10/2025

Do property finance terms ever leave you second-guessing?

They come up in almost every deal, but they’re not always explained clearly.

Here’s some common terms explained simply.

07/10/2025

Do property finance terms ever leave you second-guessing?

They come up in almost every deal, but they're not always explained clearly.

Here's some common terms explained simply.