Urban Exposure was established in 2002 as a residential housing developer. In 2005, it moved into primary lending in the residential mortgage market and, since 2010, has evolved into an award-winning, specialist, pure-play residential development finance provider.

The business is focused on the provision of development finance loans across the UK to successful SME residential housebuilders with a proven track record via two key strands of activity: i) originating, syndicating and loans on behalf of third party institutions; and ii) balance sheet lending as principal. We provide funding for residential, mixed use, student accommodation, retirement living and build-to-rent/PRS schemes. We use our in-house development and lending expertise in all phases of the funding process including origination, underwriting, loan servicing and development monitoring. In addition, we provide comprehensive asset management services to third party debt providers/partners.

We are intent on aligning ourselves with government initiatives to increase housing supply, particularly in the affordable segments of the market where the units are targeting domestic buyers. We are also committed to increasing the availability of finance to smaller developers who we believe can significantly contribute to addressing the UK’s housing shortage. We actively engage in public policy work and consultation as a non-bank lender, in order proactively to devise meaningful solutions to increasing housing supply. Read some of our policy proposals here: London Plan Housing Manifesto, West Midlands Housing Manifesto.

See our product range here and some examples of projects we have funded here.