Business Details
13 Years
experience
Specialist Property Development Finance Solutions
Heritable Bank was established in 2013 as a joint venture between OneSavings Bank and Heritable Capital Limited. Our management team commits significant capital alongside the bank, ensuring personal investment in client project success. We approach each case on a bespoke basis, focusing on client needs rather than rigid lending criteria. With typical loan facilities ranging from 1m to 15m and group exposure up to 35m, we specialise in residential and mixed-use developments. Our team possesses extensive experience working with niche development funders, serving experienced property developers and small to medium-sized housebuilders.We fund new builds, conversions, refurbishments, and planning gain opportunities across England and Wales. Our structure enables immediate access to decision-makers through allocated directors and senior executives, delivering fast deal turnaround with board-level decisions. We maintain long-term relationships through regular site visits and meetings, ensuring ongoing alignment with client financial needs.
Services
Residential development finance
Planning gain finance
Commercial development loans
Mixed-use development funding
Revolving debt facilities
Details
- Year established: 2013
Highlights and features
- Directors provide significant equity investment alongside clients
- Bespoke lending criteria tailored to individual project requirements
- Timely board-level decisions without procedural delays
- Dedicated director oversight throughout loan lifecycle
- Extensive property sector expertise across development types
Services
Residential development finance
We provide senior debt financing for residential developments including new builds, conversions, and refurbishments. Our flexible loan structures range from 1m to 15m, supporting phased housing schemes and mixed-use projects. Experienced developers benefit from tailored funding solutions that maximise equity potential through revolving debt facilities.
Planning gain finance
Our specialist team funds land purchases where development potential exceeds existing use value. We typically provide 60% of purchase price financing for sites requiring planning permission changes, enabling developers to capitalise on undervalued land opportunities through strategic site assembly.
Commercial development loans
We support commercial developments including office spaces, industrial units, and speculative pre-let projects. Our financing covers up to 70% of Gross Development Value for schemes with strong tenant pre-commitments, offering tailored solutions for experienced commercial developers seeking flexible funding structures.
Mixed-use development funding
Our expertise extends to financing developments combining residential and commercial elements. We create bespoke funding structures for projects requiring integrated solutions, supporting schemes that deliver both housing and commercial infrastructure across England and Wales.
Revolving debt facilities
We offer phased financing solutions for small to medium housebuilders requiring ongoing support for sequential developments. These facilities enable continuous project funding while maintaining financial discipline through regular performance reviews and drawdown controls.
Questions
What types of development projects do you fund?
We specialise in residential developments, mixed-use schemes, planning gain opportunities, and commercial property projects across England and Wales.
What loan amounts are available?
Our typical loan facilities range from £1m to £15m, with maximum group exposure up to £35m for experienced developers.
How quickly can funding be arranged?
Our streamlined decision-making process enables rapid deal turnaround while maintaining thorough due diligence for responsible lending.
Do you require planning permission before funding?
We consider planning gain finance opportunities where site potential exceeds current use value, supporting pre-planning land acquisitions.
What makes your approach different?
Our director-led model combines personal investment with bespoke criteria, providing direct access to decision-makers and tailored funding solutions.
How do you support long-term relationships?
We maintain ongoing engagement through regular site visits and meetings, adapting financing solutions to evolving project requirements.
