Location : Lincolnshire
Value : £250,000
Loan Details : 61% LTGDV
We provided a £250,000, 12-month facility to support the completion of a development in Gainsborough, Lincolnshire, creating four new homes and a commercial shop unit.
With funding structured at 61% LTGDV, the facility enabled an experienced developer to complete the remaining works following the purchase and development of the property to its current stage. The facility was structured with rolled and non-compounded interest.
Given the developer’s extensive experience and use of a well-established main contractor, no QS or IMS monitoring was required, allowing the project to progress efficiently through to completion.
Location : Nottingham
Value : £250,000
Loan Details : GDV £433,000 57% LTV
We provided a £250,000, 12-month facility to support the purchase and conversion of a property into a six-bed HMO in Nottinghamshire.
With a GDV of £433,000 and funding structured at 57% LTV, the facility enabled the borrower, Perspective Property, to acquire the property and complete the planned refurbishment. The project was successfully completed and refinanced, with the loan repaid in full ahead of term.
This marked the third completed and fully repaid project we have funded for Perspective Property, with a further four refurbishment projects currently underway.
Location : Croydon
Value : £606,000
Loan Details : 72% LTV 75% LTGDV
We provided a £606,000 purchase and refurbishment facility to support the acquisition and refurbishment of an eight-bed HMO in Croydon.
The facility included £178,500 retained to fund the refurbishment of all eight en-suite rooms, giving the borrower the flexibility to complete the works following purchase. Structured over a 12-month term.
The transaction involved a number of complexities, including an auction purchase, an expired HMO licence and planning consent dating back more than 20 years. By working closely we were able to navigate these issues and ensure the purchase completed within the required timeframe.
Location : Preston
Value : £1.35M
Loan Details : LTGDV – 59.2% , 76% LTC
We provided a £1.35 million development facility to support the construction of five detached family homes in Farington Moss, Preston.
Structured on a funded-in-arrears basis, the facility supported both the build programme and subsequent property sales. The borrower completed the scheme on schedule, achieving sales of approximately £2.4 million, exceeding the original forecast . The loan was repaid in full from the proceeds of the fourth property sale, highlighting the success of both the development and the funding structure.
Location : Sale
Value : £1.1m
Loan Details : LTC 85%, Loan to GDV 57%
The provision of an 18 month development loan to a local SME developer to convert a former Bank in Sale to commercial space and apartments.
The redevelopment converted this four-storey former bank in the heart of Sale into 3,000 sq.ft commercial space, a co-working space and eight 1 and 2 bedroom apartments. This development also featured private parking with electric vehicle charging, bike storage and a vibrant urban garden and was so highly regarded that it won a Cowgills North West Homebuilder Award.
Location : Chorley
Value : £975,000
Loan Details : LTC 85%, Loan to GDV 57%
The provision of a 15 month development loan to a local developer to fund the build of just two executive homes in Whittle-le-Woods.
This funding package supported the development of individual four- and five-bedroom eco-homes designed for zero-carbon, self-sustainable living. Located in a rural setting with panoramic views of Rivington, the properties feature locally sourced natural materials, creating a unique look that complements the local environment.
Location : Chadderton
Value : £321,900
Loan Details : Loan to GDV 69%
The provision of a development loan to a repeat developer to fund the conversion of a run down property in Chadderton.
Having partnered with this client on numerous conversion projects, we found this particular scheme to be a great example of how strategic funding can transform a dilapidated property into a high-value investment asset.
Location : Diggle
Value : £1.8 Million
Loan Details : Loan to GDV 69%
We quickly stepped in to provide a funding package which enabled our client to complete four detached executive homes in Diggle.
The client was referred to us by a broker as they were looking to refinance their existing borrowings and secure additional funding to complete the scheme. We provided NRP Diggle the funding which allowed the completion and sale of the four executive detached homes.
Location : Salford
Value : £2.88 Million
Loan Details : Loan to GDV - 65%
We provided a loan facility to support North West developer Abihomes in the conversion of office space into 24 high-quality apartments in Salford.
The scheme delivered a mix of 16 one-bedroom, 5 two-bedroom and 3 three-bedroom apartments, offering modern accommodation in an area of strong rental demand. Part way through the conversion, after being recommended by Cowgills, we refinanced existing borrowings and provided the additional funds to fully complete the scheme.
Location : Wigan
Value : £642,086
Loan Details : LTV 68%
At PMJ we work closely with referrers and brokers, supporting them and their clients with a range financial support. When we were presented with the opportunity to work with broker Jay Roper again, we were happy to help. We provided the necessary funding to support the purchase of a great property in Wigan.
People who deliver.
Our team is built on experience, consistency and long-term relationships. Our people stay, and so do our clients, creating a culture of trust, consistency and long term relationships.
Lee Barton
Relationship Director
Lee joined PMJ in 2020, bringing over 30 years’ experience in financial services, including time at NatWest and Together. He’s built an enviable black book of property developers, investors along the way — and when it comes to property finance, if Lee doesn’t know it, it’s probably not worth knowing.
Fiona Connor
Lending Manager
Fiona joined PMJ in 2024, having previously worked with Dave in a past life at Bank of Ireland. She brings a strong background in lending and supports the team in making sure clients get the fastest and most straightforward route through their projects.
Chris Fortune
Business Development Manager
Chris joined PMJ in 2025 to extend our work with brokers, bringing with him over 25 years experience in property finance. He works closely with brokers across the UK, helping them to support their clients in finding the right funding for their projects.
Claire Hextall
Marketing & PR Consultant
Claire has over 22 years’ experience in marketing and PR, with a strong background in property development and housebuilding. She joined PMJ as a consultant in 2020 and works closely with the team to promote PMJ’s services.
Keiran Holmes
Relationship Manager
Keiran joined PMJ in 2023 with over eight years’ experience in property finance, having worked at Together and Hope Capital. He supports our established client base of loyal developers and property professionals, bringing a calm, hands-on approach to every deal.
Siobhan O'Donnell
Lending Manager
Siobhan guides clients through every stage of the lending process, providing clear advice and dependable support from initial enquiry through to completion.
Jacqueline Peacock
Finance Manager
Jackie is PMJ’s Finance Manager and joined the team in 2023 as the business continued to grow. With many years’ experience, she plays a key role overseeing day-to-day financial operations, helping ensure everything runs smoothly behind the scenes.
David Rainford
Managing Director
Dave has spent many years in property finance, building strong relationships across funders and the professional community along the way. He leads the PMJ team with a straightforward, down-to-earth approach. Around the industry, he’s known as “Yoda” for knowing property finance inside out.
Stuart Stead
Director
Stuart is a chartered accountant and board director at PMJ, his commercial and financial expertise helps support PMJ's strategic growth. Drawing on his extensive experience in the property and construction sector, he provides insight and guidance to help drive the business forward.
Elise Williams
Lending Support
Elise is part of PMJ's lending team, supporting borrowers and brokers throughout the funding process. With a background in specialist property finance, she helps deliver a smooth, efficient experience from initial enquiry through to completion.
Ben Wright
Director
Ben is a board director who brings legal and commercial expertise to PMJ's strategic direction and continued growth. His experience as a solicitor, combined with his own property development and investment experience, gives him a practical understanding of the challenges and opportunities facing PMJ's clients.
Need a helping hand with your next project?
We understand that property development can be rewarding but also challenging.
If you're planning your next project and need some support, or just fancy a chat over a brew with one of our funding experts - get in touch.