Oakhurst Finance Uk - Financial Business

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Oakhurst Finance UK operates as a specialist lender, primarily focusing on bridging finance and development finance solutions within the United Kingdom’s property market. They cater to a diverse clientele, including property developers, investors, and businesses requiring short-term, secured funding.

Bridging loans, a core product, are designed to provide quick access to capital, typically for periods ranging from a few months to a couple of years. These loans often serve as a ‘bridge’ between property transactions, such as purchasing a property before selling an existing one, funding renovations before refinancing, or acquiring properties at auction. Oakhurst Finance structures these loans with flexibility in mind, considering various repayment strategies and exit routes.

Development finance offered by Oakhurst assists property developers in funding construction projects, ranging from residential developments to commercial builds. This type of financing covers a broader spectrum of needs, including land acquisition, construction costs, professional fees, and marketing expenses. Oakhurst typically tailors development finance packages to the specific requirements of each project, considering factors like the project’s size, location, and anticipated profitability.

A key characteristic of Oakhurst Finance is their emphasis on relationship-based lending. They often prioritize understanding the unique circumstances of each borrower and their project, enabling them to offer bespoke solutions. This approach contrasts with more automated or standardized lending processes and involves direct engagement with borrowers throughout the loan lifecycle. Their underwriting process typically focuses on the viability of the underlying asset and the borrower’s ability to repay the loan, considering factors such as loan-to-value (LTV) ratios and the project’s potential return on investment.

Oakhurst Finance’s presence in the UK specialist lending market contributes to the dynamism of the property sector. By providing access to funding that traditional banks might overlook, they support projects that contribute to housing development, commercial growth, and urban regeneration. Their role is particularly important for smaller and medium-sized enterprises (SMEs) who may find it challenging to secure funding from mainstream lenders.

While specifics on their interest rates and fees are subject to individual loan agreements, specialist lenders like Oakhurst generally charge higher rates than traditional banks to compensate for the increased risk associated with short-term lending and development projects. Due diligence and transparent communication are important for borrowers considering Oakhurst Finance or any other specialist lender to ensure they fully understand the terms and conditions of the loan.

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