Hilltop Credit Partners LLP, established in 2018, is a UK-based real estate credit investment manager focusing on structured finance for SME residential developers and house-builders. As an appointed representative of an FCA-authorised firm, it offers whole-loan, stretched-senior, development, and bridging finance products tailored to the UK housing sector. This lender suits experienced residential developers who seek high-leverage finance solutions with a flexible approach. For an overview of financing options and lenders, see our guides.
Key features of Hilltop Credit Partners LLP
This lender provides specialised residential development funding across the UK with a rapid decision process and dedicated project support. Its products combine senior and mezzanine capital, reducing complexity for borrowers.
- Fast credit assessments with indicative terms issued within 48 hours and completion possible in 30 days, as detailed in our credit facility explanations
- Up to 90% Loan-to-Cost and 75% Loan-to-GDV available, lowering borrower equity needs; see loan-to-value definitions
- Integrated 'whole-loan' structure combining senior and mezzanine loans into one facility; consult our debt financing resources
- Hands-on asset management through in-house surveyors, quantity surveyors, and development professionals; related in tools section
- Flexible security including first and second charges plus corporate guarantees, clarified in collateral guides
Funding eligibility
You may qualify if you are an SME residential developer with at least one successfully completed residential scheme within the last five years. The lender assesses business cases individually without fixed turnover minimums. Pure commercial, hospitality, student accommodation, and care homes sectors are typically excluded except when part of predominantly residential projects. Geographic coverage includes England, Scotland, and Wales, with selective cases considered in Northern Ireland. For further guidance, review our eligibility requirements and tools.
Loan options
Hilltop Credit Partners provides several types of loans specialised for the residential development market, with terms tailored to project stages and sizes.
- Stretched Senior / Whole-Loan Development Finance: £3,000,000 to £50,000,000 with terms from 12 to 30 months. Interest rates are not publicly disclosed but indicative rolled-up rates range from 8% to 11% per annum. Fees include 2.0% to 2.5% arrangement and 1.0% exit fees. Suitable for experienced developers with completed projects and requiring up to 90% Loan-to-Cost. See our interest rate and arrangement fee references.
- Acquisition / Bridging Loan: £1,000,000 to £15,000,000 with terms between 6 and 18 months. Monthly interest approximates 0.85% to 1.25%, typically rolled-up, plus 2% arrangement and 1% exit fees. This loan supports rapid site acquisition needing a clear exit plan. For detailed terms, see our bridge loan and exit strategy guides.
- Development Exit / Sales Bridge Facility: £2,000,000 to £25,000,000 for 6 to 12 months. Interest details are deal-specific but market ranges for monthly rates are between 0.70% and 1.10%, with fees of 1.5% arrangement and 1% exit. This facility helps release equity before unit sales complete and refinance senior debt. See sales bridge and loan-to-value information.
How to apply
The application process is designed for speed and clarity, with digital handling of drawdowns when covenants are met. Expect to provide detailed project information and undergo a formal credit review.
- Submit an online enquiry form followed by a comprehensive development appraisal, references found here
- Provide detailed documents including planning consents, CVs of key principals, build programmes, cost plans, and professional team appointments; see our tools and document checklist
- Credit committee aims to deliver final approval within 1 to 2 weeks after full submission; indicative terms arrive within 48 hours
- Sign documentation and complete funding and first drawdown potentially in as little as 30 days
Funding Agent’s view on Hilltop Credit Partners LLP
Hilltop Credit Partners offers flexible, high-leverage residential development finance to UK SME developers with relevant track records. Its combined senior and mezzanine loan structures alongside institutional backing provide certainty and speed. However, higher pricing and the residential-only scope may limit appeal to smaller or mixed-use developers. To explore your eligibility and compare providers, visit our eligibility guide, use our loan comparison tools, or search our lenders directory.
