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Conversion Finance

Property-backed funding for commercial to residential conversion projects. Our conversion loans are designed to offer flexible finance solutions for developers with a proven track record. We offer funding for a wide range of conversion projects, from city offices to countryside barns.  Our development experience allows us to assess every project on its merits.

Loans from £250,000 to £5,000,000
Terms from 6 - 24 months
Up to 75% LTGDV and 90% LTC
All credit profiles considered
Competitive Fixed Rates (see individual products for specifics)

Why use Saxon Trust Conversion finance?

Saxon Trust is a privately owned company, built by property professionals who understand the development and lending process. Our team recognises the challenges associated with transforming a commercial property into a new home. We look to offer flexible finance solutions to people who have a history of success in similar projects. 

We are proud to build long-term relationships with our developers and hope to fund them throughout their careers, offering support throughout each project’s lifecycle. We don’t have a fixed borrower profile and will consider any credit history on its merits.

Rates fixed for the term of the loan help our developers avoid the stress and uncertainty that can be caused by increasingly common base rate changes and macroeconomic instability. Whilst material and labour costs may rise during a project, our rates won’t.


“It was a pleasure working with the Saxon Trust team, and we are delighted to have secured a fixed rate deal that gives our client comfort and certainty over a 24-month period to build, market and sell the properties.”

David Bromley - Black Book Finance

Our Criteria

  • Property located in England or Wales

  • LTGDV up to 75% (higher with additional security)

  • LTC up to 90%

  • Funding for 100% of build costs

  • Residential and mixed-use (where residential is greater than 50% of floor space)

  • First charge security

  • UK residents, companies, trusts, and non-residents considered

  • All credit profiles considered

Our Conversion and Development Products:


Tailored funding for a wide range of commercial-to-residential projects. From city centre offices to rural barns, Saxon Trust conversion loans are designed to help developers breathe new life into a property. •Terms from 6 - 24 months •Up to 75% LTGDV (higher with additional security) •From £250,000 to £5,000,000 •Rates from 0.84% pm

Ground-up developments

Funding for ground-up developments, from single-unit builds to large, multi-phased projects. Saxon Trust development loans are tailored to meet the unique needs of each project. •Terms from 12-24 months •Up to 70% LTGDV and 90% LTC •From £500,000 to £5,000,000 •Rates from 1.1% pm


Funding for light, moderate, or heavy refurbishment projects. Our experienced team of property experts take a nuanced approach when assessing refurbishments, working in partnership with developers. •Terms from 6 - 24 months •Up to 75% LTGDV (higher with additional security) •From £250,000 to £5,000,000 •Rates from 0.84% pm

Joint venture funding

Joint venture funding for select projects and developers. Applications are assessed on a case-by-case basis to ensure a good fit between project, developer and lender. •Terms from 6 – 24 months •Up to 100% LTC •Funding up to £5,000,000 •Profit share to be agreed prior to completion

Flexible Funding. Fixed Rates.

Flexible Funding. Fixed Rates.

With a small but highly experienced team of property professionals, we are able to provide every borrower and broker with access to key decision-makers, building close and long-lasting working relationships. To get in touch:

Phone: +44 (0)203 368 6340


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