Ice3 Property Finance

Yorkshire based Property Finance Broker

[Ice3 Property Finance @Ice3Finance]

What a weekend! 🎉

Valkyrie made the Grand Final
Knights secured the Play-Offs spot
Wheelchair finish 2nd in North Division in debut season

To be able to contribute to the continued success and to help support their ongoing efforts is a pleasure.

[Ice3 Property Finance @Ice3Finance]

Hi @fitzbillies just a quick one- ordered Cheese & Marmite Bake At Home Buns and there were no cooking instructions in the box or on website - could you give cooking time and temp

[Ice3 Property Finance @Ice3Finance]

Every project has a gap to fill.

That's where Mezzanine Debt comes in: the funding that bridges the shortfall between Senior Debt and Equity.

Higher risk, higher cost, but often the difference between a deal stalling or going ahead.

[Ice3 Property Finance @Ice3Finance]

The middle layer that unlocks a property finance deal.

Sitting between senior debt and equity is Mezzanine Debt. 

By reducing how much personal equity a developer needs to commit, mezzanine finance helps unlock more opportunities, faster.

[Ice3 Property Finance @Ice3Finance]

A low rate doesn't always mean a better deal.

ERCs (Early Repayment Charges) can flip the numbers fast. What looks cheap on the surface can end up costing more once you factor in exit fees.

Have you ever seen ERCs catch someone out?

[Ice3 Property Finance @Ice3Finance]

Exiting early can cost you...

Early Repayment Charges are one of those details that can make a big difference to the value of a deal.

With the right structure, you can avoid unnecessary fees and keep your project on track.

[Ice3 Property Finance @Ice3Finance]

The foundation of every deal...Senior Debt.

It's the foundation of the Capital Stack, the largest and cheapest source of funding, secured with a first charge over the asset.

Without it, most developments wouldn't get off the ground.

[Ice3 Property Finance @Ice3Finance]

Every deal has a structure...The Capital Stack.

The Capital Stack is the layers of funding that make a development possible. 

Senior debt forms the base, with other finance on top to reduce how much equity a developer needs to commit.

[Ice3 Property Finance @Ice3Finance]

GDV, LTC, LTV...

You hear them everywhere in property finance, but what do they actually mean?

These aren't just letters; they're the ratios that shape how funding is structured.

[Ice3 Property Finance @Ice3Finance]

Do property finance terms ever leave you second-guessing?

They come up in almost every deal, but they're not always explained clearly.

Here's some common terms explained simply.

[Ice3 Property Finance @Ice3Finance]

28 days. That's it.

Buying at auction isn't just about winning the bid; it's about completing the deal before the clock runs out. 

Without the right plan, delays can cost you your deposit.

Our pre-auction tick list gives you a clear path from hammer drop to completion.

[Ice3 Property Finance @Ice3Finance]

The hammer drops and the countdown begins...

Auction finance moves fast, and so do we. That’s why we’ve created a pre-auction tick list to help you stay ahead, stay organised, and secure your deal without the stress.

[Ice3 Property Finance @Ice3Finance]

A glimpse of what's to come in Fulford.

This visual showcases the completed vision of our latest Fulford project- a development we've supported from the funding stage through to delivery.

Excited to see this come to life.

[Ice3 Property Finance @Ice3Finance]

Exciting development taking shape in Fulford. 

We’ve secured senior debt funding and equity for a client developing three modern townhouses in a strong residential location.

Final planning details are being completed, and the site will be breaking ground soon.

[Ice3 Property Finance @Ice3Finance]

Property finance specialists based in the heart of York.

It's where our business began, where our network runs deepest, and where we continue to deliver for clients year after year.

Head to our website for our services: https://t.co/5wXeUCbwON

[Ice3 Property Finance @Ice3Finance]

York is our home, and so is most of our work.

From residential and commercial finance to site sales, acquisitions, and portfolio refinancing, we’ve helped shape projects across the city for years.

If you’ve got a property opportunity in York, let’s talk.

[Ice3 Property Finance @Ice3Finance]

Our project in Kelfield is moving from plans to reality.

This visual captures the finished plan of one of our latest schemes- a project we've been involved with from funding through to delivery.

We're looking forward to showing you the completed build soon.

Stay tuned.

[Ice3 Property Finance @Ice3Finance]

Funding a site with your pension? Here’s how we made it work.

We backed Marley Homes with a full funding package: pension equity, senior debt and mezzanine, to get their Kelfield project moving.

[Ice3 Property Finance @Ice3Finance]

A new chapter for ICE3 Group! 🎉

After five great years at Castlegate House, we've moved into a new office! The space gives us room to grow and a modern environment for our team.

Here's to the future of ICE3.

[Ice3 Property Finance @Ice3Finance]

Introducing York RUFC's new kit! 🎉

York RUFC revealed their new kit with a fantastic crowd, with excitement building for the season ahead.

It was a brilliant evening that captured the strength of rugby in York, and we're excited to be alongside the team for what's ahead.

[Ice3 Property Finance @Ice3Finance]

So, what actually sets us apart from other brokers?

We are solely focused on property finance. This means sharper insight, stronger lender access, and solutions built around your project.

Swipe to find out more.