Professional Property Finance

At Initiative Ireland, we are committed to supporting sustainable property developments across the country. We believe in the value of building long-term relationships with our clients. This is why we aim to offer the most competitive, transparent and fair pricing in the market to our clients, supporting the construction of much need family homes.
Our Syndicated Lending Model offers experienced property developers access to a diverse and sustainable source of funding, with highly competitive terms and rates. At Initiative Ireland , each loan is carefully assessed by our internal credit risk committee, who set the terms and pricing per loan. Our experienced property finance team manage the loan from end-to-end, providing you with a single point of contact from start to finish.

Our Lending Process has been designed by our experienced team in consultation with Property Developers and Industry Experts, in the interests of all parties. To discuss an upcoming project, with a view to securing finance, contact us today.

  • Competitive ‘Rolled-Up’ Interest Rates
  • Unitranche – up to 80% LTC, 70% LTV
  • Approved Loan Funding Guarantee

As an Initiative Ireland borrower, you gain access to multiple new exclusive funding lines without having to deal with multiple different lenders or funds. While the make-up of the syndicate financing your loan may vary over time, your terms and experience do not.

We manage each loan from end-to-end, with our dedicated relationship managers and independent monitoring surveyors. We provide you with a single, consistent service. We are committed to being Ireland’s most transparent, fair and reliable source of Property Finance. For more information, please see our Product Guide or Contact Us below.

Stage 1:

(Informal Engagement)

  • Pre-Application Meeting
  • Pre-Approval Assessment
  • Indicative Loan Quotation
  • Final Loan Application

Stage 2:

(Formal Application)

  • Formal Valuation & Assessment
  • Credit Committee Review
  • Loan Decision & Offer
  • Contract Signing

Stage 3:

(Loan Management)

  • Drawdown Commences per schedule
  • Private Syndicate Listing
  • Loan & Relationship Management
  • Repayment & Review

*Please Note: As per terms of the final loan offer, approved loans are often guaranteed funding before being offered for participation by our Private Lending Syndicates. Subsequent changes in the make-up of the syndicate financing your loan will not alter the terms of your loan. Subscribed syndicate members will receive ongoing updates regarding the performance of the loan and project. These updates shall also be accessible to the Approved Borrower, via their Members Account.

Borrower FAQs

Who can apply for loan?

At present our loans are only available to Property Development Companies, led by an Experienced Team. We do not lend to Private Individuals.

What type of Developments do we fund?

Initiative Ireland provides syndicated property finance primarily for residential developments in high demand areas, with loans ranging from €500k to €15m.

On a limited basis mixed purpose or commercial developments may also be considered, where a compelling exit strategy is in place.

What type of Finance is available?

Property Development Finance

  • All our loans are secured with a 1st Lien on the Real Estate.
  • Up to 80% LTC (per facility)
  • and Up to 75% LTV (per drawdown release)
  • Term 6 – 24 Months

Short-Term / Bridging Finance

  • Up to 60% LTV
  • Up to 12 Months

How long are our Loan Terms?

We provide flexible loan terms between 6 months to 24 months

How are Loans Secured?

Initiative Ireland Nominees Limited will enter into a single set of security documents which will include a Charge Document and other security documents. Borrowers should read these documents carefully and where necessary, take independent professional advice.

How long does it take to fund a Loan?

Once a loan is approved by our Internal Credit Committee, guaranteed funding is usually included as part of the offer. Subsequent listing of the project for participation by our Private Lending Members will therefore not delay or impact the development or access to funding.

Can I cancel or repay my loan?

Yes, but fees may apply.

If you cancel your application after it has been submitted for approval by our Internal Credit Committee you will be subject to a €500 cancellation fee plus any expenses incurred and directly billable i.e. Valuation Report.

If you cancel or repay your loan early, after it has been approved and financed, you will be liable for any outstanding debts, costs accrued plus an early cancellation fee (1% of the approved facility).

However, if at the time of repayment, more than half of the pre-agreed loan term has passed no early cancellation fee shall apply, provided that you also provide 30 days notice of early repayment.

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