Assesr

The AI development finance “broker”.

  • Quarter the fees.
  • 2 mins, not 2 weeks.
  • AI match scores across 50+ lenders.
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£3.2M dev · 55% LTGDV

Assesr AI

Writing the credit paper…

Matched lenders

94%Matched
89%Matched
86%Matched

The fee

A quarter of the broker fee.

On a £3,000,000 loan a broker charges 2% — £60,000. Assesr charges 0.5%. You keep the £45,000 difference.

On a £3,000,000 development loan

Traditional broker fee2%
£0
Assesr fee0.5%
£0

You save

£0

Free to use

No upfront or subscription fees

No deal, no fee

Pay nothing if your deal doesn't complete

Just 0.5%

Only pay when your deal completes

See the difference

Matched in minutes, not weeks.

One £2m deal, one shared clock. Assesr papers it and scores it against every lender — you're matched to 50+, ranked by fit, in minutes. The broker route re-keys your deal by hand, writes the paper by hand and rings a few they'd guess — a couple of weeks to come back with two or three. Same deal, matched in minutes not weeks.

Time to match one deal

~2 min vs 2 weeks
Broker
Day 1
With Assesr
~2 min

The old way

Through a broker

Day 1

They re-key your deal by hand

2

They write your credit paper by hand

3

They ring a few they guess might fit

The Assesr way

One AI platform

running…
1

AI helps you fill in one form

2

AI writes an institutional-grade credit paper

3

AI % matched with 50+ lenders

Both racing the same clock…

Lender matching

A handful vs the whole market.

A broker rings the lenders they happen to know. Assesr scores your deal against every specialist lender's mandate — instantly.

The old way

A broker's rolodex

0 reached
wrong fit£2m
Slow, partial — and matched on relationships, not your deal.

The Assesr way

Every mandate, scored

0 best-fit
0/56 mandates scanned£2m
Every one of 50+ lender mandates scanned on LTV, sector, size & geography — non-fits filtered, best fits ranked.

How easy it is

One form. The whole market. Done.

Skip the broker runaround — the emails, the calls, the ghosting, the "not my area". Fill one short form and every specialist lender that fits comes back to you.

The old way

The broker runaround

0 emails · 0 calls
Broker A
Broker B
Broker C
Broker D
Broker E
Broker F
Days of chasing — and still 0 offers.

The Assesr way

One form

1 form · 0 offers
Deal…
Loan required…
Exit…
Submit — one click
Northbridge CapitalOffer · 7.9% · 60% LTGDV
Kingsley FinanceOffer · 8.2% · 58%
Meridian DebtOffer · 8.4% · 62%
Assured BridgingOffer · 8.1% · 55%
Every matching lender responds — automatically.

Prefer a human?

Assesr does it all — but if you'd like a broker, we'll introduce one.

We built Assesr so you can raise finance without a human broker: an AI credit paper in 60 seconds, matched to 50+ specialist lenders. But if you'd still like someone experienced in your corner, we'll connect you with a vetted broker who can run your deal through the same engine for an extra commission.

Request a broker introduction

Your deal — Riverside Mills

£3.2M development · Bristol

Live

Assesr AI · included

Papering your deal…

same engine

Add a human broker· optional

A person in your corner — only if you want one.

Assesr AI does it all. No broker needed.

Your 24/7 deal desk

Your free personal finance expert who knows your deal — on call, day and night.

Every borrower gets Assesr AI. Ask anything about your scheme, your numbers or the 50+ specialist lenders and get a straight, specific answer in seconds — because it knows everything about your deal and Assesr.

Assesr AI

Online · answers 24/7

Knows your deals
Hi 👋 I've read your Riverside Mills paper and I know all 50+ lenders. Ask me anything about the deal.
Why did Riverside Mills only come out as Grade B+?
Why Grade B+?Who'd fund at 65%?Total finance cost?Cash I need in?What if GDV drops 10%?Can I roll the interest?
Ask anything about your deals…
How it works

From deal pack to funded,
in three steps.

No forms to chase. No black box. Every screen below is the real, live app — click through it, scroll it, edit it. This is exactly what you'll use.

Step 01

Upload your documents and fill out the form

Ten guided steps capture your whole scheme — site, planning, build costs, GDV, fees and equity — with a 24/7 AI assistant explaining every field and answering questions as you go, so nothing gets missed. This is the actual form, pre-filled with a worked example — click through the steps and edit any field to see the numbers update live.

live

10-step intake

14 Kingsgate Terrace

9-unit residential conversion · NW1

Gross dev value

£5.81M

Loan required

£3.20M

Loan-to-GDV

55%

Step 04 of 10

The site

Land, title and acquisition.

£
£41,000
£—
£

Step 02

AI builds a standardised institutional-grade credit paper in 60 seconds

Assesr reads your inputs and writes a full institutional-grade credit paper in ~60 seconds — 14 sourced sections, a risk grade, sensitivity tests and the committee questions answered up front. The real paper is below — scroll every section a lender sees, or click to switch credit papers.

Grade B
Click a deal to switch — each is a real paper, graded A–E

Credit paper · generated 18/02/2026, 10:24:00

Investment committee paper

Well-evidenced GDV in line with local comparables, full planning consent, an experienced repeat sponsor and a credible dual exit (open-market sales with a viable BTL refinance fallback). Graded B rather than A on account of the sponsor's step-up in scheme size and reliance on a single main contractor.

ABCDE
Risk gradeB
55%

Loan to GDV

69%

Loan to cost

24.9%

Profit on cost

9.5%

Interest rate

Gross development value

£5,807,000

Loan requested

£3,200,000

Total development cost

£4,650,000

Day-one equity

£1,450,000

Term

20 months

Units

9 apartments

Executive summary

A £3.2m senior development facility (55% LTGDV, 69% LTC) to fund the conversion and extension of a former Victorian school in Camden NW1 into 9 apartments. GDV of £5.81m is supported by Savills comparables at £720/ft². Full planning consent was granted in January 2026. The sponsor has completed three comparable North London schemes. Day-one equity of £1.45m (land + cash) provides a 25% cost-overrun buffer. The recommendation is to proceed to terms.

Sponsor assessment

Marcus Reid and Priya Anand borrow through Kingsgate Terrace Developments Ltd, an SPV backed by two directors with a combined 8-year track record across three completed North London residential schemes (aggregate GDV ~£11m). The most recent — a 6-flat new-build in Kentish Town — sold out within four months of completion. This scheme represents a moderate step-up in unit count and GDV, partially mitigated by an appointed main contractor and a fixed-price JCT Design & Build contract. Combined net asset value comfortably supports a 25–30% construction cost overrun from personal resources.

Site & planning

0.18-acre freehold site holding a former Victorian school building, owned by the sponsor since 2019. Full planning consent (ref 2025/3187/P) was granted on 14 January 2026 for conversion and extension to 9 apartments. Three standard pre-commencement conditions remain (construction management plan, materials samples, drainage strategy) — all routine and dischargeable within the mobilisation period. CIL assessed at £88,000. No affordable housing requirement (scheme under threshold). Building height is under 18m, so the Building Safety Act Gateway regime does not apply.

Market analysis

NW1 continues to show persistent undersupply of new-build stock — only 22 completions in the postcode district over the trailing 12 months against sustained owner-occupier and investor demand. New-build flats in the immediate area average four weeks to sale, with rental voids under two weeks. The proposed £720/ft² sits within the range of recent comparable transactions and carries a modest, defensible new-build premium.

Comparable sales evidence

AddressPriceArea£/ft²DateNotes
Flat 4, Prince of Wales Rd, NW5£615,000820 ft²£750Jan 2026New-build, higher spec
12 Grafton Mews, NW1£720,0001,010 ft²£713Nov 2025Period conversion
Flat 2, Bayham St, NW1£548,000760 ft²£721Dec 2025Comparable spec & location

Construction analysis

£3.40m total construction cost across 9,000 ft² GIA equates to ~£378/ft² — appropriate for a non-standard conversion-and-extension in inner London. An 11% consultant fee allowance and 7% contingency are included. A 14-month build programme is realistic for the unit count and complexity, procured under a fixed-price JCT Design & Build contract with Camden Build Partners Ltd.

Capital stack

69%
24%
Senior development facility£3,200,000
Land equity£1,100,000
Cash equity£350,000
TrancheAmount% of costNotes
Senior development facility
£3,200,000
69%
Assesr-matched lender
Land equity
£1,100,000
24%
Owned since 2019, no debt
Cash equity
£350,000
7%
Directors' cash

Exit strategy

Primary exit is open-market sales at ~2 units/month, evidenced by a Savills market appraisal and two off-plan reservations. A BTL refinance fallback is viable at 75% LTV with an interest coverage ratio of ~138%, providing lenders with a credible secondary route to repayment if sales slow.

Sensitivities

GDV −10%

Profit on cost falls to ~12%

Deal remains viable; loan fully covered

Low impact

Build cost +10%

Profit on cost falls to ~15%

Absorbed by contingency + equity buffer

Moderate impact

6-month sales delay

~£152k additional rolled-up interest

Covered; LTGDV stays under 60%

Moderate impact

Risks & mitigants

0 High
2 Medium
1 Low
  • 1

    Sponsor step-up in scheme size

    Medium

    Mitigant: Appointed contractor, fixed-price JCT D&B contract, monitoring surveyor drawdowns

  • 2

    Reliance on single main contractor

    Medium

    Mitigant: Contractor track record verified; performance bond to be required as a condition

  • 3

    Pre-commencement conditions outstanding

    Low

    Mitigant: All routine; dischargeable within the mobilisation period

Recommended terms

Facility: £3,200,000 senior development loan
Term: 20 months (14 build + 6 sales)
Interest: 9.5% p.a., rolled up
Arrangement fee: 1.0% · Exit fee: nil
Security: first charge + capped PG (25%) + second charge over Manchester BTL
Conditions requiredConditions precedent: contractor performance bond; discharge of pre-commencement conditions

Questions for committee

3 key questions for discussion
  • 1Is the contractor's balance sheet sufficient for a £3.4m contract, and is a performance bond in place?
  • 2What is the sponsor's evidenced sales velocity on the prior Kentish Town scheme?
  • 3Confirm the BTL refinance fallback ICR assumptions against current lender criteria.

Step 03

AI matches you to the best lenders — then tracks the deal to drawdown

Assesr scores your deal against every lender's live mandate and shortlists only the ones that actually fund your type of scheme — ranked by mandate fit, response speed and verified track record. Then it tracks the whole deal through due diligence, approval and drawdown. The real marketplace is below — open any matched lender, or switch to the live deal tracker.

3 matched

Lenders matched to your deal

1

Specialist lender — name revealed on acceptance

EliteWinning lenderShortlistedLast seen 2/19/2026

Top-decile specialist development lender with a strong record on inner-London conversions in your ticket range.

AI insight

Strong fit: this lender's mandate targets £2m–£5m senior development in NW London and it has funded 9 comparable conversions. Your 55% LTGDV and evidenced exit sit comfortably inside its appetite.

Camden / NW postcode£2m–£5m senior devConversion experience

94%

Mandate fit

Speed

6h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

37 total · 9 similar

Normal focus

Residential Development

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Terms accepted — in due diligence

You accepted Specialist lender — name revealed on acceptance's terms. Use the messaging tab for all DD communication.

Full details shared
2

Specialist lender — name revealed on acceptance

PreferredRequested infoNot yet viewed

Established senior development lender that likes fully-consented schemes with experienced sponsors.

AI insight

Good fit: has requested the contractor's accounts to confirm capacity for the £3.4m contract — routine for a sponsor stepping up in scale.

Senior developmentExperienced sponsorFull planning consent

88%

Mandate fit

Speed

20h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

20 total · 5 similar

Normal focus

Residential Development

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Requested more information

2/19/2026

Specialist lender — name revealed on acceptance wants to know more before deciding. Check the Info requests tab below and respond promptly — faster responses lead to better outcomes.

Waiting for lender to shortlist before you can share full details.

3

Specialist lender — name revealed on acceptance

ProvenReviewingNot yet viewed

Challenger bank building a development book; competitive on leverage for well-evidenced London schemes.

£3.2m facilityLondon residentialDual exit

81%

Mandate fit

Speed

12h avg response

Rejection rate

22%

Completion time

45d avg to drawdown

Verified deals

20 total · 5 similar

Normal focus

Residential Development

Has not viewed this deal yet

4.6/512 verified reviews

Fast and commercial — Clear terms, quick to complete. Would use again.

Full reviews visible after lender shortlists your deal

Reviewing your deal

This lender has been matched and notified. They're reviewing your credit paper and deal details. You'll be notified when they take action.

Overdue by 4615h — Assesr is chasing themTypically responds in 12h · Assesr enforces a 24h response SLA

Waiting for lender to shortlist before you can share full details.

If it's not ready

Deal not ready? Assesr tells you exactly how to fix it

Most platforms just reject your deal. Assesr generates a comprehensive AI remediation report — a full roadmap with specific field changes, documents to obtain, and the exact questions a credit committee would ask. No other platform does this.

Grade E

This deal cannot be submitted to lenders

Grade E — GDV of £400/ft² is 28% above Land Registry comparables averaging £312/ft². The exit relies solely on open-market sales with no BTL refinance fallback analysed. The sponsor has two completed schemes but none above £2m GDV — a significant step-up in scale. Rolled-up interest over 18 months would consume the entire profit margin as currently structured.

Estimated grade after fixes:B+

This deal is unfundable as currently structured, but four targeted changes move it from Grade E to a fundable B+. The primary blocker is an inflated GDV; the rest strengthen the exit and the credit committee's confidence in delivery.

1

GDV inflated by 28% against market evidence

Rebase sales price to £320/ft² in line with Land Registry comparables, or provide a RICS valuation supporting the higher figure

Impact: E → D — removes primary rejection trigger
2

No BTL refinance fallback exit analysed

Model a BTL refinance at 75% LTV with ICR ≥ 125% as a secondary exit

Impact: D → C — provides fallback exit strategy, critical for credit committee
3

Sponsor scale step-up (2 schemes, max £2m → now £4.8m)

Appoint an experienced main contractor on a fixed-price contract and add a project monitor

Impact: C → B — mitigates execution risk to committee satisfaction
4

Rolled-up interest consumes profit margin

Reduce the facility to 60% LTGDV and extend the sales window, or introduce mezzanine to rebalance the stack

Impact: B → B+ — restores a healthy profit-on-cost margin
FieldCurrentTarget
Sales price per ft²£400/ft²£320/ft²
Exit strategyOpen-market sales onlySales + BTL refinance fallback
Loan to GDV67%60%
ContractorNot appointedAppointed on fixed-price contract
Sales price per ft²: Align with Land Registry comparables averaging £312/ft²
Exit strategy: Credit committees require a credible secondary exit in the current market
Loan to GDV: Restores profit-on-cost and reduces rolled-up interest burden
Contractor: De-risks delivery for a sponsor stepping up in scale

RICS red-book valuation

Independent evidence for GDV — the single biggest driver of the grade

How to obtain: Instruct a RICS-registered valuer (2–3 week turnaround)

BTL refinance illustration

Evidences the fallback exit at ICR ≥ 125%

How to obtain: Obtain a decision-in-principle from a BTL lender or broker

Fixed-price building contract

Caps construction cost and de-risks the step-up in scale

How to obtain: Tender to 2–3 contractors and appoint on a JCT contract

Ready to fix and resubmit?

Address the issues above, update your intake fields, upload the required documents, then regenerate the credit paper. Your grade will be reassessed based on the updated data.

You're in control

Disagree with the AI? Argue your case.

Assesr doesn't just grade your deal — you can rebut any risk or required fix with evidence, and the AI re-weighs each point and reissues your paper. Just like arguing a deal with a broker, before it ever reaches a lender.

Grade E → C+

Risk Review

Disagree with a risk or a required fix? Make your case — exactly like you would with a broker before a deal goes to lenders. Respond to any point below, add evidence, then regenerate: the AI re-weighs each argument and reissues your paper.

After your responses, this paper regenerated from Grade E to Grade C+.

How the AI weighed your responses

  • GDV inflated by 28% against market evidence

    Accepted

    You said: Attached a RICS valuation supporting £360/ft² and three completed comparables at £355–370/ft² within 0.4 miles.

    Analyst: The RICS valuation and comparables directly evidence the higher GDV. This removes the primary rejection trigger.

    GDV risk cleared — E → D.

  • No BTL refinance fallback exit analysed

    Accepted

    You said: Modelled a BTL refinance at 72% LTV with 128% ICR as a secondary exit alongside open-market sales.

    Analyst: A credible, evidenced fallback exit materially de-risks the deal for the credit committee.

    Adds a fallback exit — D → C.

  • Sponsor scale step-up (first scheme above £2m GDV)

    Partly accepted

    You said: Appointed a main contractor on a fixed-price JCT contract and instructed a monitoring surveyor.

    Analyst: The fixed-price contract and monitor mitigate delivery risk, but this is still the sponsor's first scheme at this scale. Reduced, not removed.

    Delivery risk High → Medium.

  • Rolled-up interest consumes the profit margin

    Accepted

    You said: Reduced the facility to 60% LTGDV to protect profit-on-cost.

    Analyst: Lower leverage restores a healthy margin; the deal now clears committee profit thresholds.

    Margin restored — C → C+.

  • Build cost light at £132/ft² for the spec

    Accepted

    You said: Provided a detailed contractor tender with a full bill of quantities and a fixed-price JCT contract at £158/ft².

    Analyst: A priced BoQ and fixed contract evidence a realistic cost; overrun risk on the build line is largely removed.

    Cost risk contained within C+.

  • Planning condition (S106 affordable contribution) unresolved

    Not accepted

    You said: Sponsor says the S106 'will be fine' but supplied no signed agreement or deed of variation.

    Analyst: An unsigned S106 is an open planning risk; assurances without the executed agreement don't move the grade — the condition must be discharged.

    Risk maintained — evidence needed.

Submit a deal for free

The Assesr Standard

The credit paper lenders know and trust.

Every deal you submit becomes an Assesr-standard credit paper: institutional-grade, standardised and trusted right across the lender market — presenting your deal in its best possible light so it gets the best possible shot at funding.

14 Kingsgate Terrace

Assesr credit paper

Grade A
14 institutional sectionscommittee-ready
Every figure sourced & traceableno “Source: ???”
GDV backed by local comparablesevidenced
Planning & title checked against source recordsverified
Sensitivity-tested — GDV −10%, cost +10%, delaystress-modelled
Exit tested two ways — sales and refinanceexit-proofed
Every red flag surfaced up front, with the fixno surprises
Risk-graded A–E, with reasoninggraded
Standardised — the same structure, every timeinstantly comparable
The AssesrStandard

You're in control

Power to the borrower — not brokers or lenders.

Assesr flips specialist finance in your favour: matched lenders compete for your deal in the open, every one is scored and held to account — slow ones nudged, bad ones removed — and you see every metric yourself, with no middleman deciding what you get to know.

Competing for your £3.2M deal

live · ranked by reputation

You see all
1Lender AElite2h avg · 47 deals0%

Matched

2Lender BPreferred6h avg · 31 deals0%

Matched

3Lender CProven18h avg · 12 deals0%

Matched

Ranked by speed · completions · reviews · mandate fit — behave, or get downranked.

What's included

Every development & bridge case we cover.

Ground-up, conversion, refurb or bridge — residential, mixed-use and everything between.

01

Ground-up new-build

Residential and mixed-use schemes built from the ground up.

02

Conversion

Office-to-resi and other permitted-development conversions.

03

Permitted development

PD-rights schemes with the conditions parsed and timed.

04

Heavy refurbishment

Structural refurbs and change-of-use above light works.

05

Bridging finance

Short-term bridges for acquisition, auction and exit.

06

Mixed-use

Commercial-and-residential schemes under one facility.

Partner portal

Know someone else who needs finance?

Refer any developer, landlord or business owner you know — Assesr does the work end-to-end and you earn on every drawdown, with your cut rising the more frequently you refer. It's already in your account — just click Partner portal on your dashboard.

Your personalised landing page
£3.2M dev · 55% LTGDVReferred

Assesr AI

Writing the credit paper…
Your earnings auto · Stripe

Total earned

£0

Bronze 0.10%
Bank-grade security

Your scheme data is protected at every step

Assesr handles sensitive financial data the way institutional platforms do — encrypted, audited, and locked down by design.

AES-256 encryption

Every document and data point encrypted at rest and in transit with bank-grade standards

Passwordless login

Magic links and OAuth — no passwords stored means nothing to breach

SOC 2 infrastructure

Hosted on certified cloud providers with automatic DDoS protection

Role-based access

Lenders never see other lenders. Borrowers never see other deals. Enforced server-side

Read the full security overview

Why developers choose Assesr

The only platform where you submit directly — for free.

Other platforms make you go through a broker. Other brokers charge 1–2%. Assesr gives you institutional-grade analysis and 50+ lenders at a quarter of the cost.

FeatureAssesrBrickflowBrokaDealLockerProppKnowledge BankTraditional broker
AI credit paper generation
Direct borrower accessList dealsVia enquiry
Automated lender matchingRate comparison
Document extraction (AI)
No upfront cost
Pay only on successVariesVaries
See the full comparison with all features

Frequently asked questions

Everything you need to know.

The Assesr fee is 0.5% of the loan amount on drawdown — a quarter of the typical 2% broker fee. You agree to the fee when you submit your deal. When it draws down, you receive a Stripe invoice and pay by card, Apple Pay, or Google Pay. If the deal doesn't fund, nobody pays.

The credit paper is generated in under 60 seconds from your intake data. Lender matching happens immediately. Most borrowers receive their first lender response within 2–3 days.

Only lenders whose mandate matches your deal. Your documents are encrypted, access-controlled per user, and automatically deleted 6 months after loan completion. Full GDPR compliance.

You deal with the lender directly. Assesr presents your deal — the lender makes the credit decision. You compare offers, negotiate terms, and accept the best. Full control, full transparency.

Yes. You can invite colleagues to your account from Settings → Team. Everyone signs in with their own email and one-time code, and works the same deals together — no shared logins.

View all FAQs

Why this matters

We're here to help solve the UK housing crisis.

Faster funding

Credit papers in 60 seconds. 50+ lenders matched instantly.

More homes built

Developers break ground sooner. SME builders can compete again.

Lower prices

More supply means less pressure. Prices stabilise for everyone.

Homeownership for all

First-time buyers stop saving for a decade. Families find homes.

Annual housing target vs delivery

1.5M promised

~20% delivered

Target
300k
2023/24
221k
2022/23
234k
2021/22
233k
2020/21
216k
2019/20
243k

The government committed to 300k homes/year. Delivery has never come close. The pipeline between willing developers and willing lenders is the bottleneck.

SME housebuilders in the UK

Down 80%

in a single generation

1988200020122024
12,200
~2,500

Small and medium developers once built most of Britain's homes. Red tape, slow funding, and broker bottlenecks have decimated them. The homes they'd have built were never started.

Years to save a deposit

10+ years

for the average first-time buyer

gap
1997200520152024
House prices
Wages

House prices have grown 5x faster than wages since 1997. Every home that doesn't get built makes the next one more expensive — for everyone, not just first-time buyers.

Get funded faster, more homes get built, and housing gets cheaper for everyone.

Get your scheme in front of the right lenders.

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Ground-up, conversion, refurb & bridge finance for property developers.

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Commercial

Buy or refinance premises — office, retail, industrial, semi-commercial.

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