A broker’s essential guide to finding the right lender
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Developer exits, including before PC
Decorative refurbishments
Structural refurbishmentsloft conversions and extensions
House to HMO / flats conversions
Semi-commercial refurbishments
Pre-planning acquisitions
0203 818 0165
0203 818 0163
WHO
Albatross is the lender of choice for deals that don’t fit the mould. We specialise in intelligent, bespoke finance for complex or unconventional cases, with a core focus on owner-occupied commercial property. As a principal-funded lender, every decision is made by experts who understand the deal inside and out. Our hands-on team delivers precision and speed and have been known to complete transactions within 48 hours from enquiry. Our pricing is driven by quality, not by the market . Funded by experience, built for quality and trusted by brokers across the UK.
OUR ETHOS: Quality over volume is at the heart of everything we do. Our funding is ready to deploy, with a model built to support small and medium sized British businesses through specialist lending. ESG matters to us - not just in principle, but in practice. From responsible underwriting to thoughtful deal structuring, we’re selective, grounded and always forward-focused. At Albatross, relationships come first, and reputation is everything. Our mission is simple: to lend where it matters most, with creativity, care, control and funding capacity of £250m+.
We provide principal-funded, bespoke finance for complex, unconventional or underserved cases across both residential and commercial assets, especially owner-occupied commercial assets under £1.5m. We thrive on intelligent structuring, fast execution and relationship-driven service, delivering solutions where others see obstacles.
Nils Raber
ASSOCIATE DIRECTOR
07789 493 781 nils@albatrosslending.co.uk
Cameron Linnell
REGIONAL SALES MANAGER (NORTH) 07715 976444
cameron@albatrosslending.co.uk
Geoff Cooney
REGIONAL LENDING MANAGER – SOUTH WEST
Geoff@albatrosslending.co.uk
07549648991
36 Soho Square London W1D 3QY
Product types
Bridging and refurbishment
Charges 1st and 2nd
Funding model
Predominantly principal funding with institutional support
FCA regulated no
Interest range From 0.85%pcm
Fixed/variable interest Fixed
Treatment of interest & default interest Rolled, retained, and serviced.
Sectors
Residential, HMO, B2 General industrial, C1 Hotels, C2
Residential institutions, E(b) Restaurants, E(f) Creche, day nursery or day centre, Suis Generis including public houses, E(a)/E(c)/suis generis – retail property for various uses, E(d) indoor sport, recreation or fitness, E(e) Provision of medical or health services, Suis Generis including car showrooms and hostels
Max LTV Up to 75% of OMV on residential and up to 70% of OMV on commercial.
Max LTGDV Up to 70%
Max LTC 70%
Min & max loan term
Min & max loan size
Min property value
Minimum 3 months, maximum 3 years
Minimum £50,000, maximum £5m
£100,000
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England, Wales, Scotland
Types of valuation accepted AVMs, Desktops, Red-books, Re-types
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product Yes (subject to approval)
Planning permission needed Yes but no product specifics
Commission rate Up to 2%
Associations/Charters NACFB
Types of landlords accepted Limited company, individuals, off-shore entities and complex trust structures
Upfront fees
2% arrangement fee deducted from advance
Broker portal No
Early redemption charges No
Investment
Loans based on vacant possession value
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land No
We back British businesses with innovative products for commercial spaces. Intelligent structuring, principal-led decisions, and a focus on quality over volume - that’s what sets us apart.
Loans up to
Start-ups and poor credit considered.
Rates from
All commercial security assets considered.
Principal-funded and relationship-driven.
Up to 70% LTV of OMV.
Available to owner occupiers.
WHO WE ARE: Allica Bank is on a mission to give established businesses, and the brokers who support them, the banking they deserve. That means fast decisions, and a dedicated business development manager you can actually get hold of. We combine powerful technology with real human expertise to make your job easier and your clients’ experience better. It’s how business banking used to be – just better. Recognised by the industry, we’ve been named “Commercial Mortgage Lender of the Year” at the Bridging & Commercial Awards for four consecutive years.
We believe established businesses deserve more than impersonal banking that’s not tailored to them. Our experienced business development managers and underwriters work side-byside with broker partners to deliver relationship-driven service. No call centres. No confusion. Just real support from real people, powered by tools and insight.
Supporting UK established businesses with straightforward business finance, including commercial mortgages, asset finance, bridging finance, growth finance and buy-to-let.
Stephen Spinks
HEAD OF BROKER SALES – COMMERCIAL MORTGAGES (SOUTH AND CENTRAL)
07943 184 749
Stephen.spinks@allica.bank
Charissa Chang
HEAD OF BROKER SALES – COMMERCIAL MORTGAGES (NORTH AND MIDLANDS)
07494 596 184
Charissa.chang@allica.bank
Steve Palfreeman
BUSINESS DEVELOPMENT DIRECTOR –BRIDGING FINANCE
0207 846 2637
Steve.Palfreeman@allica.bank
Brandon Hall
HEAD OF BROKER SALES –ASSET FINANCE
07399 793 967 brandon.hall@allica.bank
4th floor 164 Bishopsgate London, EC2M 4LX
allica.bank/introducers Commercial mortgages introducers@allica.bank
Bridging finance bridging@allica.bank Asset finance afproposals@allica.bank
Product types
Commercial mortgages, asset finance, bridging finance, specialist BTL, bridge-to-term
Charges 1st
Funding model
Deposit funded
FCA regulated Yes
Interest range
Fixed/variable interest
Treatment of interest & default interest
Sectors
Max LTV
Max LTGDV
Commercial owner-occupied from 1.60%; commercial investment from 1.85%; BTL from 5.70%; residential bridging from 0.71%; refurb from 0.95% and commercial from 0.84%; bridge-to-term from 6.45%
Fixed and variable options
Various by product, please call to discuss
Residential, HMOs, office, industrial, retail, hospitality, healthcare
Commercial owner-occupied 80%; commercial investment 75%; BTL 75%; bridging finance 85%
Bridging finance up to 65%
Max LTC 90%
Min & max loan term
Min & max loan size
Min property value
Commercial owner-occupied 5-25 years; commercial investment 5-year; BTL 5-year; bridging finance: 3-24 months
Commercial mortgages and bridging
£150k-£10m; BTL £250k-£10m
£100,000 for specialist buy-to-let only
Valuation retypes Yes
Rental calculations & exposure
130% DSC for commercial investment; 110% DSC for specialist BTL
Geographical lending areas England, Scotland and Wales
Types of valuation accepted Short-form valuations for simple specialist BTL; Red Book for others; AVMs for some bridging loans
New builds Yes
Heavy Refurb No
Grade listed buildings Yes
Green/Sustainable product Commercial mortgages: 0.25% discount for EPC rating A-C
Planning permission needed Case-by-case basis
Commission rate
Various by product, please call to discuss
Associations/Charters NACFB Patron
Types of landlords accepted Experienced landlords only
Upfront fees
Bridging finance: yes
Broker portal Yes
Early redemption charges Yes
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land No
At Alternative Bridging Corporation, we have been providing specialist lending to the property industry, business community and homeowners for more than 30 years. We use our experience and expertise to help an increasing number of brokers and their clients. We have a resolute focus on maintaining a short chain of command, with all directors and executives under one roof. This means we are able to make swift decisions, while also making it possible to take on and consider more complex cases, and we can often provide an alternative solution even when other lenders have said “no”.
Collaboration is a core part of our ethos. This means many brokers choose to work with us again and again—building a long-term relationship that can help to make the process swift and simpler. Collaboration also assists with our product development, keeping brokers and their clients front of mind when developing and enhancing products. We have a range of bridging loans, refurbishment loans and development finance loans to suit every need. Innovative solutions to target specific borrower needs include our drawdown facility, the Alternative Overdraft and PartX Property Finance, a pre-approved, part-exchange facility for developers.
Alternative Bridging provides bridging and development finance for commercial and residential assets to owner-occupiers and investors. We have been working with our broker partners to satisfy the widest community possible for over 30 years. This has been achieved by developing products such as the Alternative Overdraft.
Paul Gavin HEAD OF SALES
0207 096 8123 07570 708 414
paul.gavin@alternativebridging.co.uk
2 Imperial Place Maxwell Road Borehamwood WD6 1JN
www.alternativebridging.co.uk hello@alternativebridging.co.uk
Product types: Bridging, development, term and specialist Charges: 1st and 2nd
Funding model:
Shareholders and bank lines
FCA regulated: Yes
Interest range:
Bridging from 0.70%; development from 0.995%; and term loan from 6% pa over BBR
Fixed/variable interest: Both
Treatment of interest + default interest: Retained or serviced; default interest by agreement
Sectors: Residential, commercial, development and regulated loans
Max LTV: 70%
Max LTGDV: 70%
Max LTC: 90%
Min & max loan term: 3 months–5 years
Min & max loan size: £200,000–£10m
Min property value: £100,000
Valuation retypes: Yes
Rental calculations & exposure: N/A
Geographical lending areas: England, Wales and Scotland
Types of valuation accepted: Standard and AVM
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: No
Planning permission needed: Yes
Commission rate: By agreement
Associations/Charters: NACFB and BDLA
Types of landlords accepted: Any
Upfront fees: No
Broker portal: Yes
Early redemption charges: No
Investment: Yes
Owner occupied: Yes
Electronic signatures accepted: Yes
Lending on land: No
WHO WE ARE: Aspen is a 100% securely funded lender, backed by hundreds of millions of pounds in group equity. We offer bridging, light development and bridge-to-let products. We provide DocuSign legals and a no-valuation loan of up to 75% LTV, with direct access to your own dedicated underwriter. Our light development product is leading the way in heavy conversions and refurbishments, supporting developers for longer at better leverage and lower pricing on heavier works. The bridge-to-let product uniquely assists clients who need a flexible option after the bridge, should that be a refinance or sale option.
OUR ETHOS: Aspen has the benefit of having over £500m behind us of S&U group funds. The company is an associate of FIBA and a member of the ASTL. Our experienced team and best-in-class online portal, Broker View, make us quick and easy to deal with. We have no DIP forms; later forms are soft versions and we run all searches in-house. Our practical approach to lending and meeting clients to understand their needs helps make deals work.
Aspen specialises in light development, foreign national bridge-to-let and bridging finance. We offer a range of products to suit different requirements.
Ian Miller-Hawes
SALES DIRECTOR
07708 486 587 ianmillerhawes@aspenbridging.co.uk
Steve Gregory
BUSINESS DEVELOPMENT MANAGER
07716 098 079 steveg@aspenbridging.co.uk
Mike Allen
BUSINESS DEVELOPMENT MANAGER
07513 480 392 Mikeallen@aspenbridging.co.uk
Saif Khalique
UNDERWRITING MANAGER
07922 577 541 saifkhalique@aspenbridging.co.uk
2 Stratford Court
Cranmore Boulevard Solihull
B90 4QT
www.aspenbridging.co.uk enquiries@aspenbridging.co.uk
Product types
Bridging, Development & Bridge to Let \Charges 1st
Funding model Equity Funded by FTSE listed company
FCA regulated No
Interest range
Stepped 0.39% - 0.55%; Flat 0.65% -0.99%
Fixed/variable interest Fixed
Treatment of interest & default interest
Sectors
Retained Interest: 0.85-2% applied case-by-case
Residential, Investment, Commercial, Semi-Commercial, HMO & Redevelopment
Max LTV 80%
Max LTGDV
Max LTC 75%
Min & max loan term 3 months to 3 Years
Min & max loan size £200k -£15m
Min property value £100k
Valuation retypes Yes
Rental calculations & exposure 100% of Pay rate on Bridge to Let
Geographical lending areas England & Wales
Types of valuation accepted Internal Valuation, Red Book & Retypes
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed No
Commission rate 1-2%
Associations/Charters BDLA & FIBA
Types of landlords accepted Ltd Co, Individual, FTB/FTL, Foreign Nationals, Ex-Pats & Portfolio Landlands
Upfront fees No
Broker portal Yes
Early redemption charges No
Investment no
Owner occupied No
Electronic signatures accepted Yes
Lending on land No
WHO WE ARE: Atelier is a leading development and bridging finance lender, with £1bn lent to date. We understand the importance of speed and certainty, so offer a reliable funding process alongside an attractive day one advance. We provide highly competitive loans from £3m to £40m, up to 70% LTGDV, across the Residential, BTR, Student and Care sectors. With interest rates expected to fall, our loans are linked to the base rate—with no floor—meaning rate reductions are passed on immediately and in full. Atelier delivers smarter, stronger and more competitive funding for professional developers across the UK.
OUR ETHOS:
We are an established and responsible lender, operating to institutional standards with a focus on transparency, reliability and long-term relationships. We stay close to the market by listening to brokers and developers and the challenges they face - ensuring we deliver finance solutions that work in the real world. We understand that time is critical. That’s why our team provides both speed and certainty, working with the same level of commitment and urgency as our clients.
We specialise in development and bridging finance, providing competitive and flexible funding solutions for professional developers working across Residential, BTR, Student and Care schemes.
Matthew Blaine Young HEAD OF ORIGINATION
0207 846 8263
matthewblaine.young@atelierfinance.co.uk
Simon Joseph RELATIONSHIP DIRECTOR
0207 846 8235
simon.joseph@atelierfinance.co.uk
London office
3-5 Rathbone Place
London, W1T 1HJ
Birmingham office
102 Colmore Row Birmingham, B3 3AG
atelierfinance.co.uk
Rav Kudhail
LENDING DIRECTOR
0207 846 8252
rav.kudhail@atelierfinance.co.uk
Raj Hothi
LENDING DIRECTOR
020 7846 8257
raj.hothi@atelierfinance.co.uk
enquiries@atelierfinance.co.uk
Product types: Development and Bridging Charges: 1st
Funding model: Institutional
FCA regulated: No
Interest range: From BBR + 5.95% variable
Fixed/variable interest: Variable, no floor
Treatment of interest + default interest: Interest rolled or serviced. Additional 6.0% pa default rate if facility not redeemed or extended prior to term date
Sectors: Residential, BTR, Student and Care
Max LTV: 70% with discretion to go higher
Max LTGDV: 70% with discretion to go higher
Max LTC: 90%
Min & max loan term: 6–36 months
Min & max loan size: £3m–40m
Min property value: £4m
Valuation retypes: Case by case
Rental calculations & exposure: Case by case
Geographical lending areas: England, Scotland, Wales
Types of valuation accepted: Red book valuation, from valuer on Atelier panel
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: No
Planning permission needed: Yes
Commission rate: Negotiable
Associations/Charters: NACFB
Types of landlords accepted: Corporate
Upfront fees: Arrangement fees typically 1–2%
Broker portal: Yes
Early redemption charges: Considered on case-by-case basis
Investment: Yes
Owner occupied: No
Electronic signatures accepted: Yes
Lending on land: Yes—only if planning in place
Avamore Capital is a bridging and development lender. Since 2015, we have specialised in complex funding structures, providing innovative financial solutions to meet diverse client needs. With a wealth of experience across all teams, Avamore is well versed in innovative solutions to meet requirements. We work tirelessly to understand the situation and work with the broker and borrower to create a pathway to fund the deal and successfully exit the scheme. Our suite of products and features enables a seamless process for borrowers and brokers alike taking them from inception to redemption.
Avamore’s ethos can be described in two words: solutions and innovation. We strive to understand every deal and find a solution that meets the needs of the client. We take care and pride in every transaction and every borrower we work with, and strive to find a tailored solution for every transaction rather than a broad-brush approach. We are also constantly pushing boundaries to innovate from our award-winning part complete development product to our new platform and technological advances streamlining the process for borrower and broker alike.
Avamore Capital specialises in all forms of development lending, with our part complete development product, our strength across all types of refurbishments and conversions or innovative solutions in funding/equity structures on development projects. We strive to find a solution for all projects that meets clients’ needs.
Adam Butler
DIRECTOR OF SALES AND MARKETING
07388 919 116 ab@avamorecapital.com
Cam Levitt
RELATIONSHIP MANAGER—LONDON AND SOUTH EAST
07450 277 122 CL@AVAMORECAPITAL.COM
George Ormerod
RELATIONSHIP MANAGER—SOUTH/SOUTH WEST
07824 333 747 go@avamorecapital.com
George Poole
RELATIONSHIP MANAGER—MIDLANDS AND THE NORTH
07496 292 452 GP@AVAMORECAPITAL.COM
Cannon Place 78 Cannon Street London
EC4N 6HL
www.avamorecapital.com enquiries@avamorecapital.com
Product types: Development, refurbishment, part complete development and bridging
Charges: 1st
Funding model: Multiple institutional funding lines
FCA regulated: No
Interest range: From 6.5% + BBR
Fixed/variable interest: Fixed and variable available
Treatment of interest + default interest: Retained Interest. Default interest of 2% pcm following grace period. Extensions available at lower rates.
Sectors: Residential, mixed use, PBSA and HMO
Max LTV: 85%
Max LTGDV: 75%
Max LTC: 90%
Min & max loan term: 3–24 months
Min & max loan size: £250,000+
Min property value: N/A
Valuation retypes: Yes
Rental calculations & exposure: N/A
Geographical lending areas: England and Wales
Types of valuation accepted: Red Book valuations and retypes
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: No
Planning permission needed: No
Commission rate: 1%–2%
Associations/Charters: ASTL and NACFB
Types of landlords accepted: Limited companies
Upfront fees: Yes
Broker portal: Yes
Early redemption charges: No
Investment: Yes
Owner occupied: No
Electronic signatures accepted: Yes
Lending on land: No
Beaufort Bridging is a sister company to Beaufort Capital, which was established in 2013 to provide development finance to experienced property developers. For over a decade, Beaufort Capital has successfully provided market-leading senior, stretch-senior, bridge, mezzanine and equity funding. Drawing on the experience of the wider established Beaufort team, Beaufort Bridging can provide standalone bridging across all asset classes throughout Great Britain. We specialise in large-ticket loans above £10m and can provide an expression of interest within 24 hours of receiving an enquiry. Call us today to speak to a member of the team.
Beaufort Bridging specialises in bridging opportunities upwards of £1m, with the ability to offer large loans of £10m and up. With decades of experience in finance and development in the UK property market, Beaufort is able to identify opportunities to maximise the potential of a project. Our experience enables us to underwrite complex cases that require a deep understanding of the development lifecycle. Beaufort Bridging aims to achieve its ambitious lending targets through offering a fast, high-quality service and certainty of delivery.
Beaufort Bridging exclusively provides bridging finance for a wide range of purposes including residential, semi-commercial, commercial and undeveloped land. Funding is available throughout England, Scotland and Wales. Beaufort can provide large loans of up to £75m and potentially above.
Richard Titcombe ASSOCIATE DIRECTOR
0203 0266 143 07584 095 772
richard@beaufortbridging.co.uk
7 Curzon Street London W1J 5HG
beaufortbridging.co.uk
enquiries@beaufortbridging. co.uk
Product types
Bridging
Charges 1st and 2nd
Funding model Private
FCA regulated No
Interest range Bridging from 0.7% pm
Fixed/variable interest Variable
Treatment of interest & default interest Rolled, retained or serviced
Sectors All real estate asset classes
Max LTV 70%
Max LTGDV 70%
Max LTC 85%
Min and max loan term 6–36 months
Min and max loan size £1m to 75m+
Min property value None
Valuation retypes Yes
Rental calculations and exposure N/A
Geographical lending areas England, Scotland and Wales
Types of valuation accepted Red Book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/sustainable product No
Planning permission needed No
Commission rate Negotiable
Associations/charters N/A
Types of landlords accepted N/A
Upfront fees Yes
Broker portal No
Early redemption charges Yes
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land Yes
Established in 2013, the Beaufort team has financed and developed more than five million square feet of property of all asset classes across the UK and excels at creating opportunities where traditional funders are unable to provide the right solutions. Beaufort considers all locations in England, Scotland and Wales and all asset classes from residential and commercial to healthcare, PBSA , hotels, mixed use and industrial. The team can provide expressions of interest within 48 hours and indicative terms within five working days. Contact us today to speak with a member of the team.
Beaufort’s aim is to support and build long-term relationships with good-quality developers, empowering each of them to maximise their return on capital. Beaufort has decades of experience in finance and development in the UK property market and invests its expertise in every developer with which it works. Understanding that no two developments are the same, Beaufort is committed to providing swift, flexible solutions to achieve optimal funding structures on every project. ESG plays a key role in Beaufort’s decision-making process, allowing industry-leading projects to be unlocked across the UK. Our ESG strategy is at: https://www.beaufortcapital.co.uk/esg.html
Beaufort engages in stretched senior debt, mezzanine and bridge-to-development finance. In January 2022, Beaufort launched a £1bn senior and stretched senior debt product, which it is well on its way to deploying in the UK real estate development market within the following 3–5 years.
Mark Quigley
MANAGING DIRECTOR—UK REAL ESTATE FINANCE
07342 885 277 mark@beaufortcapital.co.uk
Joe Flaherty DIRECTOR
07500 704 548 joe@beaufortcapital.co.uk
7 Curzon Street London W1J 5HG
Steffan Goold DIRECTOR
07342 881 311 steffan@beaufortcapital.co.uk
Peter French SENIOR ASSOCIATE
07884 226 144 peter@beaufortcapital.co.uk
www.beaufortcapital.co.uk enquiries@beaufortcapital.co.uk
Product types Dev
Charges 1st and 2nd
Funding model Private
FCA regulated No
Interest range
Stretched senior debt from 5% over SONIA; mezzanine from 10% over SONIA; bridge to development from 1% pcm
Fixed/variable interest Variable
Treatment of interest & default interest Rolled; fixed higher rate of default interest may be charged in exceptional circumstances
Sectors All real estate asset classes
Max LTV 60%
Max LTGDV 70%
Max LTC 85%
Min and max loan term 12–36 months per development project
Min and max loan size
Min property value
£10m–£100m (stretched senior debt) and £3m–£15m (mezzanine finance) per single development project. Larger facilities available for multiple projects
£15m GDV
Valuation retypes Yes, if dated within 3 months and from our accepted list of valuers
Rental calculations and exposure N/A
Geographical lending areas England, Scotland and Wales
Types of valuation accepted Red Book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/sustainable product No
Planning permission needed No
Commission rate Negotiable
Associations/charters N/A
Types of landlords accepted N/A
Upfront fees Yes
Broker portal No
Early redemption charges Yes
Investment No
Owner occupied No
Electronic signatures accepted No
Lending on land Yes
WHO WE
Black & White Bridging operate in the short-term lending market. We provide bridging finance for borrowers to seize investment opportunities which traditional finance may not support. Formerly Bath & West Finance, the company has grown to become a leading national lender, employing more than 25 people in three offices across the UK. We complete loans faster than the industry average and have market-leading criteria underpinned by an award-winning team, all whilst remaining committed to being the architects of truly transparent lending with no grey areas – that’s what makes us Black & White.
OUR ETHOS: We are a business with traditional values that puts people first. We respect and value our marketplace and all stakeholders and we’re a lender of integrity who deliver on promises every time. As members of the BDLA we’re committed to the sector’s self-regulation whilst delivering the highest levels of service. Our funding model is geared towards putting power in the hands of our clients - we want investors, borrowers and brokers to benefit from our truly transparent lending.
We specialise in residential and commercial bridging loans for property transactions from purchases, acquisitions, auctions, sales to refinances or development exits. We have market-leading criteria to cover all scenarios, so whatever your client needs, we’re confident we have the optimum solution.
Magnus Duke Dadzie
RELATIONSHIP DIRECTOR
07956 329292
mdd@blackandwhitebridging.co.uk
Dave McCarthy
RELATIONSHIP DIRECTOR
07388 121702
dmm@blackandwhitebridging.co.uk
Mike Underwood
RELATIONSHIP MANAGER
07502 456603
mun@blackandwhitebridging.co.uk
Shahed Popat
RELATIONSHIP MANAGER
07425 380124
spo@blackandwhitebridging.co.uk
Bury Manor Offices
Woodcroft Lane Wick, BS30 5SH
blackandwhitebridging.co.uk enquiries@blackandwhitebridging.co.uk
Product types
Bridging – (and Dev)
Charges 1st (and 2nd )
Funding model HNWs, Institutions
FCA regulated No
Interest range From 0.69% upwards
Fixed/variable interest Fixed
Treatment of interest & default interest
Retained interest: Interest is calculated on the gross loan for the duration of the facility and deducted at completion. Rolled interest: Interest in capitalised and accrued monthly, calculated on the principle and outstanding interest at the end of each monthly period.
Serviced interest: Interest is calculated on the gross loan with the first month deducted at completion and serviced monthly thereafter
Sectors All Residential & Commercial sectors
Max LTV
Max LTC 90%
Min & max loan term 3 - 24 months including extension
Min & max loan size £50k - £7.5m
Min property value n/a
Valuation retypes (Yes)
Rental calculations & exposure 125% DSCR @ 5.5% stress rate
Geographical lending areas England & Wales
Types of valuation accepted AVMs (up to 75% resi), re-types, red book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes – 75% LTV Max
Green/Sustainable product Yes
Planning permission needed Yes
Commission rate Case by case
Associations/Charters BDLA, FIBA
Types of landlords accepted Limited companies/individual/first-time/portfolio
Upfront fees No
Broker portal No
Early redemption charges No (3-month min interest)
Investment Yes
Owner occupied Yes (must be 2nd charge and for business purposes)
Electronic signatures accepted Yes
Lending on land Yes – 55% LTV max
• No upfront, admin or hidden charges
• Market-leading rates from 0.69%
• Truly transparent lending with no grey areas
Our name makes sense now, doesn’t it?
Established in 2014, Blackfinch Property is a fully funded provider of short-term financing solutions for residential and commercial real estate. As an independent company, we’re efficient and flexible. Our team of 11 investment specialists take a pragmatic approach, to provide cash quickly and with more certainty. Customers benefit from our focus on developers’ needs, ability to innovate, commercial outlook and in-house legal team. Blackfinch Property is part of the Blackfinch Group, an award-winning investment specialist dating back over 25 years.
Blackfinch Property incorporates ESG considerations into all of our investment decisions. Our policy shows our commitment to supporting sustainable building practices. We also provide preferential rates for developers who agree to improve a building’s Energy Performance Certificate rating. Our philosophy is all about adapting to market conditions, evolving our offering in order to help individuals, businesses and communities to thrive.
We provide a range of short-term lending products across residential and commercial sectors. These include Buy-To-Let, Bridging, Development, and Commercial term loans.
John Hartigan
INVESTMENT DIRECTOR
01452 717 980 j.hartigan@blackfinch.com
David Diemer
INVESTMENT DIRECTOR
01452 922 581 d.diemer@blackfinch.com
Phil Dart
SENIOR INVESTMENT MANAGER
01452 717993 p.dart@blackfinch.com
Nicola Mayes
SENIOR INVESTMENT MANAGER
01452 717586 n.mayes@blackfinch.com
1350-1360 Montpellier Court
Gloucester Business Park Gloucester GL3 4AH blackfinchproperty.com propertyenquiries@blackfinch.com
Product types
Buy-To-Let, Bridging, Development, Commercial Term
1st and 2nd 1st Charge
Funding model
Retail investors and HNW into tax-efficient portfolios
FCA regulated Yes
Interest range
Rates are negotiated on a case-by-case basis
Fixed/variable interest Fixed
Treatment of interest + default interest
Sectors
Max LTV
Max LTGDV
Max LTC
Rolled/Serviced interest compounded daily. Default interest +1% pcm.
All Sectors
70% (75% for BTL)
70%
85%/90% (require 5% cash equity)
Min & max loan term 6-36 months with 60 month terms for commercial mortgages
Min & max loan size
Min property value
£1m-£20m
£0.5m for BTL and £1m for all other properties
Valuation retypes Yes, upon agreement
Rental calculations + exposure 1.25 x ICR for BTL and commercial mortgages
Geographical lending areas UK including Northern Ireland, Scotland and Wales
Types of valuation accepted Red Book for all lending, short form possible for BTL
New Builds Yes
Heavy Refurb Yes
Grade Listed Building Yes
Green/sustainable product
We offer preferential rates for new build properties with an EPC rating A. Lower rates for higher EPCs on bridging and BTL
Planning permission needed Yes
Commission rate Typically 1% or as agreed
Associations/Charters NACFB
Types of landlords accepted No restrictions, but the borrowing SPVs must be a UK registered company
Upfront fees Yes
Broker portal No
Early redemption charges No
Investment Yes
Owner Occupied Yes
Electronic signatures accepted Yes
Lending on land Yes
Looking for a Bridging, Development or Buy-to-Let finance partner?
At Blackfinch Property we’re dedicated to helping rejuvenate local areas and economies
Blackfinch Investments Limited is authorised and regulated by the Financial Conduct Authority Registered address: 1350-1360 Montpellier Court, Gloucester Business Park, Gloucester, GL3 4AH. Registered in England and Wales Company Number 02705948. Fully-Funded Lender Fast and Flexible Approach Responsible Investing In-House Legal Team
WHO WE ARE: BLEND is an award-winning specialist development finance and development exit lender. Since 2017, we have given certainty to experienced mid-sized property professionals, with loans from £1m to £10m. Our experienced team brings deep property and finance expertise to get clients’ deals done on the terms we said we would.
OUR ETHOS: BLEND’s mission is to bring certainty to the bridging and development finance market. This means getting your deal done on the terms we said we would. This is so important to us that we even track “Certainty KPIs”, which are reported to our board. To deliver this certainty, we have built a deep and varied pool of capital that we are ready to lend to experienced property professionals.
BLEND offers development finance and exit loans for homes or commercial-to-residential conversions across England and Wales. BLEND is a lender of choice for mid-size property professionals working on schemes of up to £15m GDV. Our loans go up to 75% LTV, 72% LTGDV and 95% LTC.
David Alcock MANAGING DIRECTOR
07785 715 954 david.alcock@blendnetwork.com
Yann Murciano CEO
07557 796 821 yann.murciano@blendnetwork.com
Matthew Measures HEAD OF CREDIT
07877 238 675 matthew.measures@blendnetwork.com
Graeme Walker LENDING DIRECTOR
07999 777 526 graeme.walker@blendnetwork.com
Product types
Development finance and development exit
Charges 1st (can provide 2nd in some cases)
Funding model
Institutional, multi family offices and HNWs
FCA regulated Yes
Interest range
Development finance: from 5.50% pa above base rate; development exit: from 0.45% pm above base rate
Fixed/variable interest Fixed and floating
Treatment of interest & default interest
Sectors
Max LTV
Max
Max LTC
Rolled, retained and serviced; default rate on a case-bycase basis
Residential, mixed-use and commercial. Acquisition, refurbishment, conversion, ground-up and exit
Min & max loan term 3 months
Min & max loan size 24 months
Min property value No min
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England and Wales
Types of valuation accepted Red Book and retypes
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product Yes
Planning permission needed Yes
Commission rate Negotiable
Associations/Charters N/A
Types of landlords accepted Individual and corporate
Upfront fees Yes
Broker portal No
Early redemption charges No
Investment No
Owner occupied No
Electronic signatures accepted Yes
Lending on land No
WHO WE ARE: Established in 2015, BloomSmith is the UK’s leading VAT bridging loans specialist, exclusively focused on the commercial property market. Our unsecured, short-term loans enable borrowers to cover 100% of the VAT due on a property purchase without the need for a second legal charge. With a streamlined lending process, borrowers can confirm eligibility in under five minutes and receive funding within 48 hours. Our transparent fee structure and fast turnaround have made us a trusted partner for developers, investors, and brokers seeking liquidity during property acquisitions. Our operations are externally audited quarterly, ensuring reliability and compliance.
OUR ETHOS: The BloomSmith philosophy is centred around transparency and relationships built on trust. To ensure this, our processes and financial information are externally audited quarterly – enabling you to borrow with confidence.
BloomSmith focuses exclusively on providing unsecured VAT bridging loans for vacant commercial property transactions in the UK, enabling clients to fund 100% of the VAT due without a second legal charge. This ensures speed, liquidity, and compliance during property acquisitions and investments.
Nigel Smith
CEO
07770 914 594 nigelsmith@bloomsmith.co.uk
Joe Thomas DIRECTOR OF MARKETING 07807 016 276 joethomas@bloomsmith.co.uk
Dave White DIRECTOR
07801 035 498 dave@bloomsmith.co.uk
3 Astwood Mews Kensington London SW7 4DE bloomsmith.co.uk vat@bloomsmith.co.uk
Product types: VAT bridging loans
Charges: Charge-free lending
Funding model: Revolving credit facility
FCA regulated: Supervised for anti-money laundering purposes only
Interest range: Starting from 1.25%/month
Fixed/variable interest: Fixed interest
Treatment of interest + default interest: Retained interest non-utilisation fees may apply; default interest 3% pcm
Sectors: Commercial property
Max LTV: 100%
Max LTGDV: 100%
Max LTC: 100%
Min & max loan term: 90-360 days
Min & max loan size: £50,000-£10m
Min property value: £250,000
Valuation retypes: N/A
Rental calculations & exposure: N/A
Geographical lending areas: United Kingdom
Types of valuation accepted: N/A
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: N/A
Planning permission needed: No
Commission rate: 1-5% of VAT loan amount
Associations/Charters: NACFB
Types of landlords accepted: New SPV
Upfront fees: Yes
Broker portal: No
Early redemption charges: No
Investment: Yes
Owner occupied: Yes
Electronic signatures accepted: Yes
Lending on land: Yes
WHO WE ARE: We do bridging the way it should be done, offering fast and flexible finance solutions to meet the diverse needs of individuals and businesses that require short-term funding. Bluecroft Finance is a rapidly growing lender in the UK bridging finance market. We provide bridging loans from £75,000 to £3m with LTV up to 75%. We’re a storybook lender that doesn’t use algorithms to decide cases. Our dedicated team will review each case in detail and offer a hassle-free service that can get loans funded quickly.
Funded by a combination of private sources and institutional lines , we are going to achieve significant growth and increase our loan book to £100m within the next 12 months. Because of our personal approach, we can look at each case and build a bespoke deal that will satisfy all parties involved. We lend across England, Wales and Scotland.
Bluecroft Finance is a specialist bridging lender providing a speedy loan process for brokers and clients. We prioritise residential, commercial and semi-commercial loans for a variety of transactions, including first and second charges. We do AVMs and desktop valuations up to 75% and BMVs up to 95%.
James Brocklebank
SENIOR BUSINESS DEVELOPMENT MANAGER
(MIDLANDS & WALES)
07858 818 391
James.brocklebank@bluecroftfinance.com
Sam Bailey
BUSINESS DEVELOPMENT MANAGER (LONDON AND SOUTH EAST)
07860 610 042
Sam.bailey@bluecroftfinance.com
Colin Ness
BUSINESS DEVELOPMENT MANAGER
(SCOTLAND AND SOUTH WEST)
07354 201 459
Colin.ness@bluecroftfinance.com
6 Ambassador Place Stockport Road Altrincham WA15 8DB
Jacob Tate
BUSINESS DEVELOPMENT MANAGER (NORTH)
07958 199934 jacob.tate@bluecroftfinance.com
bluecroftfinance.com enquiries@bluecroftfinance.com
Product types
Bridging, auction and 2nd charge bridging Charges 1st and 2nd
Funding model
Private funding combined with institutional funding lines
FCA regulated No
Interest range All bridging products from 1%
Fixed/variable interest
Treatment of interest & default interest
Fixed and variable
Retained, serviced
Sectors Residential, commercial, semi-commercial, HMO, hospitality, planning, retail, office block conversions and more
Max LTV
75%
Max LTGDV 75%
Max LTC N/A
Min & max loan term 6–18 months
Min & max loan size
Min property value
£75,000–£3m
£100,000
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England, Scotland, Wales
Types of valuation accepted Short form residential, AVMs, desktops, BMVs and Red Book
New builds Yes
Heavy Refurb No
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed No
Commission rate Case by case
Associations/Charters NACFB
Types of landlords accepted Limited companies, individual, first-time and portfolio
Upfront fees No
Broker portal Yes
Early redemption charges No
Investment Yes
Owner occupied No
Electronic signatures accepted Yes
Lending on land No
WHO WE ARE: Brightstone Law is an award-winning firm that has operated in the legal field for more than 30 years. The firm provides an unrivalled range of services to an extensive range of bridging lenders, including work on loan origination, dispute resolution and collection, sales conveyancing, professional negligence claims, insolvency, county court possession, High Court litigation and LPA receiverships.
OUR ETHOS: We are recognised as acting for a broad range of specialist finance lenders from small, bespoke, niche private lenders to large, nationally recognised banks. The firm has a wealth of experience in dealing with commercial/residential loans, consumer credit loans, FCA-regulated loans and non-regulated loans. Brightstone Law is an associate member of the ASTL.
We provide quality services to lending clients in the bridging and long-term sectors, practising the complete range of disciplines required by principal lenders. Our reputation is founded on an experienced team of dedicated lawyers, delivering expertise responsively through clear communication.
Jonathan Newman SENIOR PARTNER
0208 731 3080 jn@brightstonelaw.co.uk
Harry Peradigou PARTNER
0208 731 3080 hp@brightstonelaw.co.uk
Rehka Chelvendra PARTNER
0208 731 3080 rc@brightstonelaw.co.uk
Brighthstone House 511 Centennial Park Centennial Avenue
Elstree Hertfordshire WD6 3FG
www.brightstonelaw.co.uk info@brightstonelaw.co.uk
WHO WE ARE: Buzz Capital is a privately funded property lender specialising in lower-value bridging and development loans across England and Wales. Founded in 2019, Buzz aims to provide a no-nonsense application process, quick decisions and fast completions. We lend on land with planning, ground-up development, regular/auction purchase, refurbishment and conversion projects with terms in a range of 3–12 months. We have a straightforward fee structure consisting of a finance fee and an exit fee (where applicable). Valuations and IMS can be via Method or VAS Panel.
Asset strength comes above all else. If the security property is solid, then we can take a view on borrower experience, credit history and A&L. We understand that every deal is unique so we do not divide our services into products but instead invite brokers to submit deals within our basic criteria for individual consideration. Speed and flexibility are key to the Buzz ethos. With the ultimate decision makers working alongside our lender team in the office, we can quickly react to changes, adapt and commit to loans without having to seek external approval.
We offer £600,000 net maximum purchase and development loans with terms of up to 12 months. Buzz’s key sector is residential but we also consider semi-commercial and commercial. We pride ourselves on our flexible approach, speedy decision-making and commitment to overcoming obstacles in order to complete.
David Peck PROPERTY DIRECTOR
david@buzzcapital.co.uk
07909 916 928
Marcus Searancke BUSINESS AFFAIRS DIRECTOR
marcus@buzzcapital.co.uk
07500 091 139
First Floor 18 Queens Road Brighton, East Sussex BN1 3XA
Alex Martin LENDING CONSULTANT
alex@buzzcapital.co.uk 07769 671 501
Alena Walker UNDERWRITER
alena@buzzcapital.co.uk 01273 766 399
buzzcapital.co.uk
hello@buzzcapital.co.uk
Product types
Residential and commercial bridge/development
Charges 1st; 2nd as additional security
Funding model
Private funding
FCA regulated No
Interest range Rates from 0.89%
Fixed/variable interest Fixed
Treatment of interest & default interest
Sectors
Max LTV
Max LTGDV
Max LTC
Standard rate: retained interest, calculated on a simple basis; default rate, calculated on a compounding basis
Residential (houses, flats, HMO, MUFB), student accommodation, hotels, retail, office, warehousing and light industrial
Residential bridge: 75%; commercial bridge: 60%; development: 75%
Residential bridge: 75%; commercial bridge: 60%; development: 75%
Residential bridge: N/A; commercial bridge: N/A; development: 90%
Min & max loan term 3–12 months
Min & max loan size
£50,000–£600,000
Min property value Considered on a case-by-case basis
Valuation retypes Yes
Rental calculations & exposure Considered on a case-by-case basis
Geographical lending areas England and Wales
Types of valuation accepted Full RICs valuations and retypes
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed Yes
Commission rate 1% but considered on a case-by-case basis
Associations/Charters BDLA
Types of landlords accepted Individuals, limited companies and LLPs
Upfront fees No
Broker portal No
Early redemption charges Considered on a case-by-case basis
Investment Yes
Owner occupied No
Electronic signatures accepted No
Lending on land Yes—with planning permission
Buzz Capital provides straight forward access to finance. As we’re lending our own money, we always look for ways to say yes.
Whether your clients are purchasing a property at auction or on the open market, refinancing a property they already own or need to secure capital to develop, convert or refurbish a property, then look to Buzz Capital.
With generous terms available and low interest rates, Buzz Capital is the smart choice for borrowers and brokers alike.
• Houses
• HMO
• MUFB
• Retail
• Warehouse
• Student Accommodation
• Flats
• Hotels
• Office
• Light Industrial
• Residential Ground Up
• Land With Planning
Buzz Capital Property Finance Limted is supervised for anti-money laundering purposes by the Financial Conduct Authority under Reference number: 963654. Buzz Capital Property Finance Limted is incorporated in England and Wales (12253963) Registered Address: First Floor, 18 Queens Road, Brighton, England, BN1 3XA
Transparent, Flexible, Fast and Clear.
Same day terms, fast release of funds
Up to 75% LTV / LTGDV
100% funding (with extra security)
Up to 100% build cost funded
Rates from 0.89% per month
Maximum net loans up to £600,000
Generous broker fees
CapitalRise is a leading specialist prime property finance company. We are the only dedicated finance provider for prime developments in London and the South East, and were founded by experienced developers. We understand the challenges and time involved in raising finance for projects and offer cost-effective property financing that’s faster, simpler and more flexible than traditional sources of capital. Finance typically is in the range of £1m–£20m, and we offer a variety of products including senior, stretched senior and mezzanine, acquisition, development and sales period loans.
CapitalRise was founded by CEO Uma Rajah, alongside Alex Michelin and Andrew Dunn, who set up luxury property development firm Finchatton. CapitalRise remains the only specialist lender focused solely on funding prime property projects in London and the South East. Loans have been provided in some of the most desirable areas of prime London, including Notting Hill, Knightsbridge, Belgravia, Mayfair, Kensington, Chelsea and Grosvenor Square, as well as in the Wentworth Estate, Marlow, St George’s Hill and the Cotswolds. Since it was founded, CapitalRise has written over £450m of loans against £1bn+ of property value.
We specialise in fast and flexible funding solutions for prime property bridging, development and sales period finance, and offer senior, stretched senior and mezzanine. There are no upper/maximum £ per square foot or capital value restrictions.
Lee Francis HEAD OF ORIGINATION
07880 650 651 lf@capitalrise.com
Katy Katani LENDING DIRECTOR
07799 262 381 kk@capitalrise.com
Raf Chowdhury ASSOCIATE DIRECTOR
07443 074 064 rc@capitalrise.com
33 Cavendish Square
W1G 0PW
capitalrise.com/borrow borrow@capitalrise.com
Product types: Development (senior and mezzanine), bridging (acquisition, sales and exit) and stabilisation
Charges: 1st, 2nd and equitable
Funding model: Institutional, private, HNWs and family offices
FCA regulated: Yes
Interest range:
Bridging from: 0.85% pm and development from 5.75% pa (over BBR)
Fixed/variable interest: Fixed and variable available
Treatment of interest + default interest: Roll-up on development; rolled/services on bridge and exit; default interest rate 15%
Sectors: Residential, commercial and mixed use
Max LTV: 75%
Max LTGDV: 75%
Max LTC: 90%
Min & max loan term: 12–36 months
Min & max loan size:
Min property value:
£1m–£20m
£1.5m
Valuation retypes: Yes
Rental calculations & exposure: N/A
Geographical lending areas: Prime London, Home Counties and wider southern England
Types of valuation accepted: Retypes and Red Book
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: No
Planning permission needed: Yes
Commission rate: From 1%
Associations/Charters: N/A
Types of landlords accepted: Limited companies, individual and portfolio
Upfront fees: Yes
Broker portal: No
Early redemption charges: Yes
Investment: No
Owner occupied: No
Electronic signatures accepted: Yes
Lending on land: Yes
Up to 75% LTV and 90% loan to cost
Large single units
Multi unit schemes
No upper £PSF limit
CapitalRise was founded by developers to offer property finance that’s faster, simpler and more flexible than traditional sources of capital
Our expert team provides bespoke, cost-effective Senior and Mezzanine property finance for any stage of your prime property development project including acquisition, development and sales period. We provide finance for ground-up development, refurbishment and airspace.
G Get in touch to see how we can help finance your prime property project
GDV at exit £ £14 0m
Loan amount £ £8 5m
Loan type S Senior Development
LTV at exit 6 61%
GDV at exit £ £9 7m Loan amount £ £6 8m Loan type S Senior Development LTV at exit 7 70%
GDV at exit £ £16 6m
Loan amount £ £9 1m
S
GDV at exit £ £12 0m
Loan amount £ £8 4m
Loan type S Senior Development LTV at exit 7 70%
Launched in 2017, Catalyst’s aim was to disrupt the market with innovative products backed by outstanding broker and customer service. We remain relentless in this pursuit. What can you expect from us? Your enquiries will quickly receive a personal response from our new business team. While we fund straightforward cases, we also love solving issues around complex borrowers and unusual properties, so challenge us. We look for reasons to lend and have a commercial approach to underwriting. We’re here to make sure you never miss a good opportunity.
Catalyst’s mission is to ensure that you and your clients never miss a good opportunity. We do this by offering fast access to flexible, specialist finance—funding that is both competitive for your clients and rewarding for you. With strong institutional credit lines, Catalyst has near limitless capital to deploy. #WeAreCatalyst
Catalyst specialises in bridging, auction, refurbishment, development exit, development, commercial and specialist BTL.
Josh Hawker
SENIOR INTERNAL BDM
01202 112 909
josh.hawker@catalystpf.co.uk
Oliver Jenkins
SENIOR INTERNAL BDM
01202 122 038 oliver.jenkins@catalystpf.co.uk
Ciaran Courtney BDM (SOUTH WEST)
07712 220 370 ciaran.courtney@catalystpf.co.uk
Lichelle Samra BDM (MIDLANDS)
07593 011 644 lichelle.samra@catalystpf.co.uk
The Hive Wilson House 2 Lorne Park Road Bournemouth, Dorset BH1 1JN catalystpf.co.uk enquiry@catalystpf.co.uk
Product types: Bridging, auction, refurbishment, development exit, ground up development, commercial, and specialist BTL
Charges: 1st and 2nd
Funding model: A mix of institutional, private HNW and proprietary capital
FCA regulated: No
Interest range:
Bridging/auction/dev exit from 0.69%;refurb from 0.80%;development finance from 6.50% + BBR; commercial from 0.95% tracker; and specialist BTL from 7.50% + BBR
Fixed/variable interest: Fixed and variable
Treatment of interest + default interest: Rolled, retained, serviced or part and part
Sectors:
Residential, semi-commercial, commercial, ground-up development, PBSA, HMO and MUFB
Max LTV: Bridging, auction and development exit: 80% LTV
Max LTGDV: Refurb 75% LTGDV; development finance 70% LTGDV
Max LTC: Refurb 85% LTC; development finance 85% LTC
Min & max loan term: 1–24 months
Min & max loan size:
£100,000–£10,000,000 (larger loans may be available by exception)
Min property value: £75,000
Valuation retypes: Considered
Rental calculations & exposure: 100% ICR considered with top slicing
Geographical lending areas: England and Wales
Types of valuation accepted: AVM, desktop, short form and Red Book
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Considered
Green/sustainable product: Coming soon
Planning permission needed: No
Commission rate: Up to 2.00%
Associations/Charters: NACFB
Types of landlords accepted: Ltd co, individual, first time and portfolio
Upfront fees: BTL only
Broker portal: No
Early redemption charges: BTL only
Investment: Yes
Owner occupied: No
Electronic signatures accepted: Yes, document depending
Lending on land: No
WHO WE ARE: Century Capital delivers fast, flexible finance across a diverse range of short-term loan products and provides expertise and certainty of funding with a client-centric approach. It was founded in 2012 in response to growing demand for short-term finance and is a leading short-term lender in the prime real estate sector. Over the years, Century Capital secured multiple new institutional funding lines and diversified its product range, further cementing its status as a premier short-term finance provider. The growing team comprises over 18 professionals with more than 100 years of combined experience across the senior leadership team.
OUR ETHOS: Century Capital is committed to excellence and innovation. The company’s forward-thinking mindset drives it to constantly adapt and find innovative solutions, ensuring it meets the financial needs of its clients. Century Capital consistently demonstrates its ability to identify market opportunities. With its enterprising approach and dedication to delivering exceptional financial solutions, Century Capital has positioned itself as a market leader in its niche.
Century Capital tailors deals to clients’ specific, individual needs and its speed of execution makes it able to deliver within days. Its in-depth experience in the London and Home Counties markets sets it apart and allows it to provide clients with solutions that few others can offer.
Paul Munford
CEO AND FOUNDER
0207 495 9191 paul@centurycapital.co.uk
Luke Navin
MANAGING DIRECTOR
0207 495 9191 luke@centurycapital.co.uk
2–4 Cork Street London W1S 3LG
Archie Dickinson
ORIGINATION MANAGER
0207 495 9191 07947 724 590 archie.dickinson@centurycapital.co.uk
Freddie Munford
ORIGINATION MANAGER
0207 495 9191 07818 518 150 freddie.munford@centurycapital.co.uk
centurycapital.co.uk enquires@centurycapital.co.uk
Product types Century PLUS, Century BESPOKE Charges 1st and 2nd charges
Funding model Substantial institutional funding
FCA regulated No
Interest range From 0.75%
Fixed/variable interest Both
Treatment of interest & default interest Charges applied, subject to lender discretion
Sectors Residential, commercial, semi-commercial, land with planning
Max LTV 75%
Max LTGDV 70%
Max LTC 100%
Min & max loan term 6-24 months
Min & max loan size
Min property value
£250K to 25M
£350K
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England, Wales
Types of valuation accepted RICS red book valuation
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product Yes
Planning permission needed Yes
Commission rate Competitive
Associations/Charters ASTL
Types of landlords accepted Portfolio, limited company, first-time landlord etc
Upfront fees No
Broker portal No
Early redemption charges No
Investment Yes
Owner occupied No
Electronic signatures accepted Yes
Lending on land With planning
Based in Formby, District and County Investments was founded in 2018 by Alan Keating, and has grown rapidly on the back of our relationship-driven, flexible approach to lending and our transparent pricing policy. We pride ourselves on our bespoke offering, backed by the experience of our diverse team of staff, and our agile approach that allows us to complete deals within a short timescale. We offer fully transparent pricing with no hidden fees. Fees include valuation, legal, commitment (offset against arrangement fee on successful completion), arrangement and exit.
We believe property ambitions deserve more than cookie-cutter solutions. We empower developers and borrowers with bespoke bridging and development financing, offering speed, flexibility and a truly personal touch to help our clients achieve their goals—no matter how ambitious or unconventional. Our transparent pricing, collaborative approach and unwavering commitment to client success have earned us a reputation as a trusted partner backed up by our high levels of repeat borrowers. With funding in place to grow to £100 million, we’re scaling without losing sight of what makes us different: flexibility, dependability and relationships that last.
When others say “no”, we say “why not?”. Renowned for our speed, flexibility and bespoke product offering, we work closely with clients to deliver fast, reliable bridging and development funding that meets their unique needs and timelines—no matter how ambitious or unconventional.
Neal Roberts DIRECTOR
07889 211 327 neal@dcifinance.co.uk
Scott Parkinson
SENIOR LOAN MANAGER
07518 910 494 scott@dcifinance.co.uk
42 Duke Street Formby, Merseyside L37 4AT
dcifinance.co.uk
Duncan Winsland LOAN MANAGER
07548 761 166 duncan.winsland@dcifinance.co.uk
Sam Wilson
BUSINESS DEVELOPMENT MANAGER
07903 824 152 sam.wilson@dcifinance.co.uk
contact@dcifinance.co.uk
Product types
Bridging and development
Charges 1st
Funding model
Shareholder equity and third-party debt facilities
FCA regulated No
Interest range Rates from 0.79% pcm
Fixed/variable interest Both
Treatment of interest & default interest All interest bases offered (rolled, retained and serviced); default interest capped at 3% pcm
Sectors
Residential, commercial, light industrial and HMO
Max LTV 80%
Max LTGDV 80%
Max LTC Up to 100%
Min & max loan term 3–24 months
Min & max loan size
Min property value
£100,000–£5,000,000
£100,000
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England and Wales
Types of valuation accepted Red Book, retypes
New builds Yes
Heavy Refurb Yes
Grade listed buildings Grade 2 only
Green/Sustainable product No
Planning permission needed No
Commission rate By negotiation with broker but typically 1%
Associations/Charters BDLA and Bridging & Commercial
Types of landlords accepted Limited companies, individuals, first time and portfolio
Upfront fees
Valuation fee and commitment fee (refunded against arrangement fee on completion of loan)
Broker portal No
Early redemption charges No
Investment Yes
Owner occupied No
Electronic signatures accepted Yes
Lending on land Yes
Fairbridge Capital is an unregulated bridging lender established in 2019, offering fast and flexible short-term finance on both residential and commercial properties in England, Wales and Scotland. With an experienced in-house team, we aim to complete deals within 7–10 days and pride ourselves on a smooth, responsive service. Our pricing is transparent, covering all standard fees—valuation, legal, set-up, exit and default—where applicable. We offer competitive rates from 0.95% pcm and up to 75% LTV.
At Fairbridge Capital, we take pride in our transparency and the strong relationships we build on trust, which our brokers and returning borrowers greatly value. Each case is assessed individually, as no two loans are the same. We are committed to using our in-house expertise and efficiency to deliver tailored financial solutions that help our clients achieve their goals.
Fairbridge Capital specialises in residential, refurbishment, commercial and semi-commercial, development exit, second charge and third party charge bridges, as well as lending to foreign national borrowers. All credit histories are taken into consideration.
Dalian
Gill DIRECTOR
07792 366 433 dalian@fairbridgecapital.co.uk
Aman Bajwa DIRECTOR
07483 274 944 aman@fairbridgecapital.co.uk
85 Gresham Street
London EC2V 7NQ
fairbridgecapital.co.uk
enquiries@fairbridgecapital. co.uk
Product types
Bridging, refurbishment and development exit bridge (unregulated)
Charges 1st, 2nd, Third Party and Equitable
Funding model
Institutional and HNW
FCA regulated No
Interest range From 0.95%
Fixed/variable interest Fixed
Treatment of interest & default interest
Retained, serviced; default interest 2% pcm above interest rate
Sectors Residential, Commercial, Semi-Commercial, HMO, Finish and Exit, Light & Heavy Refurb
Max LTV 75%, a maximum of 90% can be offered on suitable BMV transactions
Max LTGDV 70%
Max LTC 80%
Min & max loan term 3–18 months
Min & max loan size
Min property value
£50,000–£5,000,000
£100,000
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England, Wales and Scotland
Types of valuation accepted AVMs, retypes and Red Book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product N/A
Planning permission needed Yes
Commission rate Negotiable
Associations/Charters N/A
Types of landlords accepted All, including foreign nationals and first time buyers
Upfront fees No, only third party fees such as valuations and legals
Broker portal No
Early redemption charges No, but minimum term is 3 months
Investment No
Owner occupied Yes
Electronic signatures accepted No
Lending on land No
WHO WE ARE: We specialise in lending short-term bridging & custom finance facilities for property purchases. Operating since 2023 we continue to innovate, creating facilities that clients can use to embrace new property strategies along with offering market leading leverage on traditional strategies. With up to 85% OMV (depending on product), loan size capped at 90% of purchase price and 75% LTGDV to allow up to 100% works, your clients need less of an uplift in value to borrow more. With rates from 1% per month with a 2% arrangement fee we hope to be your lender of choice.
OUR ETHOS: We want to help your transactions complete quickly. We aim to issue illustrations to you within minutes to lock-in your clients and we fully underwrite cases ahead of valuation to ensure that before your client spends any money, the deal can proceed subject to the valuation results. For facilities under £1.5m we can allow AVMs and dual rep legals to further increase speed and we aren’t reliant on panels either, with the ability to instruct direct where relevant. We also support first-time borrowers, even if they don’t own their own home or have a portfolio.
We specialise in leverage, lending up to 85% OMV and 75% LTGDV (product dependent), capped at 90% purchase price and works. We have developed custom facilities for title split purchase and refurbishment & lease extension purchase and refurbishment, lending on uplifted values and part complete projects.
Alastair Hoyne
CHIEF EXECUTIVE OFFICER
0208 058 5389 agh@finanzecapital.com
Ann-Marie Fowler
ASSOCIATE DIRECTOR, LENDING 0791 653 3547 anf@finanzecapital.com
124 City Road London EC1V 2NX
Djenny Munene CASE MANAGER
0208 058 5389 dfm@finanzecapital.com
James Gutierrez
SENIOR ASSOCIATE, LENDING jg@finanzecapital.com
Product types:
Bridging, Light/Medium/Heavy Refurbishment, Part Complete, Development Exit, Title Splits & Lease Extensions
Charges: 1st and 2nd
Funding model: Bank & Institutional Funding
FCA regulated: No, but registered for AML/KYC purposes
Interest range:
Bridging from 1.00% p/m Light/Medium Refurbishment from 1.04% p/m, Heavy Refurbishment from 1.08% p/m
Fixed/variable interest: Fixed & Floating
Treatment of interest + default interest:
Retained, Part Retained, Rolled & Serviced (facility dependent). Default interest of 1.5% on top of standard rate.
Sectors: Residential, Semi-Commercial & Commercial (facility dependent)
Max LTV: Up to 85% OMV up to 90% of Purchase Price
Max LTGDV: Up to 75% and up to 15% Day 1 Works Drawdown
Max LTC: Up to 95%
Min & max loan term: 3 months to 24 months (facility dependent)
Min & max loan size: £50,000 - £150m
Min property value: No minimum property value, but subject to minimum loan size of £50,000
Valuation retypes: Yes
Rental calculations & exposure: ICR for serviced facilities from property/wider income.
Geographical lending areas: England & Wales. Scotland above £3m and Republic of Ireland above €3.5m
Types of valuation accepted: AVMs up to £2m property value, Red Book, Re-address
New builds: Yes – however we don’t offer ground up development
Heavy Refurb: Yes
Grade listed buildings: Yes (facility dependent)
Green/sustainable product: Yes
Planning permission needed: Yes, where relevant for works
Commission rate: 1% increasing to 1.5% after 3 completed transactions
Associations/Charters: NACFB Patron
Types of landlords accepted: Individuals (21-70), LTD, LLP, PLC, Trusts – first time borrowers allowed
Upfront fees: No
Broker portal: No – coming soon
Early redemption charges: No – minimum lending term of 3-6 months (facility dependent)
Investment: Yes
Owner occupied: No – except where it’s a corporate owner occupier
Electronic signatures accepted: Yes (document dependent)
Lending on land: Yes – with planning, over £10m in Southern England
WHO WE ARE: Funding 365 was established in 2013 by structured finance experts who previously led teams at Barclays Capital, Deutsche Bank and Goldman Sachs. Our funding is principal-led which allows us to make our credit decisions swiftly in-house. We also have large institutional funding lines which enable us to deliver a wide array of loans. Two thirds of our team are underwriters, as we believe that having just one multi-tasking expert managing each loan from start to finish delivers speed and certainty. Our 100% five star Google and Trustpilot reviews agree.
OUR ETHOS: We believe that loans should be transparent. All of our products can be compared online, our terms are clear from the outset and we don’t charge admin fees or early repayment charges. Our unique set up is just as simple. We encourage everyone to speak directly to our friendly, decision-making underwriters who aim to deliver credit-backed terms in just one hour and manage each loan from enquiry to redemption. Our products and unparalleled service have won us numerous awards, including ‘Service Excellence’ and ‘Bridging Lender of the Year’ at the B&C Awards 2024.
We’re known for delivering tailored loans with exceptional efficiency, reliability and communication. We specialise in unregulated bridging and refurbishment facilities for residential and semi-commercial properties in England, Wales and Northern Ireland. These range from highly competitive interest rates for regular enquiries to bespoke solutions for complicated projects.
Mike Strange MANAGING DIRECTOR
0203 950 5280 michael.strange@funding-365.com
Allegra Sykes
HEAD OF RELATIONSHIP MANAGEMENT
0203 950 5276 allegra.sykes@funding-365.com
Jon Brooks HEAD OF FINANCE
0203 950 5282 jon.brooks@funding-365.com
1-2 Paris Garden London SE1 8ND
Paul Weitzkorn DIRECTOR
0203 950 5280 paul.weitzkorn@funding-365.com
Calum Waite HEAD OF UNDERWRITING
0203 950 5277 calum.waite@funding-365.com
Katie Spitz
DEPUTY HEAD OF UNDERWRITING
020 3950 5281 katie.spitz@funding-365.com
Product types: Bridging, Development and 3/5 year BTL Charges: 1st
Funding model: Principal-led with institutional funding lines
FCA regulated: No
Interest range: Bridging from 0.69% (flat), from 0.39% (stepped), dev from 0.93%
Fixed/variable interest: Fixed
Treatment of interest + default interest: Retained and serviced; reviewed on a case-by-case basis
Sectors: Residential, PBSA, HMO, commercial, mixed-use and dev
Max LTV: 85% (plus up to 100% cost of works)
Max LTGDV: 75%
Max LTC: 85%
Min & max loan term: Bridging and dev: 3 - 18 months; BTL: 3/5 years
Min & max loan size: £100,000 - £5m+
Min property value: £150,000
Valuation retypes: Yes
Rental calculations & exposure: Case-by-case
Geographical lending areas: England, Wales and Northern Ireland
Types of valuation accepted: Red book, retypes and AVMs considered on a case-by-case basis
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: No
Planning permission needed: No
Commission rate: Bridging: 1 - 2%
Associations/Charters: N/A
Types of landlords accepted: Ltd co, individual, first-time and portfolio
Upfront fees: No
Broker portal: No
Early redemption charges: No
Investment: Yes
Owner occupied: No
Electronic signatures accepted: Yes
Lending on land: No
WHO WE ARE: HTB is a specialist bank built around brokers. We fund complex residential investment and development through bridging, term and specialist BTL. Brokers get direct access to decision-makers, fast DIPs, decisions in 48 hours and completions from two weeks when all parties are aligned. There are no exit fees on bridging, dual representation is available, arrangement fees are typically two per cent and valuation fees vary. Our funding is secured through bank deposits and securitisation, giving brokers certainty, especially when the case is challenging, time is tight or the client needs something bespoke.
OUR ETHOS: We do not offer one size fits all. Every deal is shaped around the client, the asset and the broker’s plan. We lend with clarity, structure and pace, helping brokers support their clients through complex challenges including bridging into term, development into exit or reshaping portfolios. We are solution led, relationship driven and proud to back cases others will not. Our funding is built for the long term, supported by deposits and securitisation. We back sustainable property investment and embed responsible lending in everything we do from local housing to future rental needs.
We structure bridging, development and term funding for complex residential investment. From HMOs and MUFBs to holiday lets and PBSA, we help brokers support portfolio landlords and experienced investors through refinancing, acquisition or exit. If the case is complex, we are built to deliver.
Alex Upton
MANAGING DIRECTOR
Specialist Mortgages and Bridging Finance 0207 886 4718
alex.upton@htb.co.uk
Andrea Glasgow
SALES DIRECTOR, SPECIALIST MORTGAGES AND BRIDGING FINANCE
0207 886 4718
andrea.glasgow@htb.co.uk
80 Fenchurch Street
London
EC3M 4BY
htb.co.uk
Neil Leitch
MANAGING DIRECTOR, DEVELOPMENT FINANCE
0113 360 3271
neil.leitch@htb.co.uk
Scott Apps
HEAD OF DISTRIBUTION, DEVELOPMENT FINANCE
0207 903 0137
scott.apps@htb.co.uk
specialistmortgages@htb.co.uk developmentfinance@htb.co.uk
Product types
Bridging, development, specialist BTL and term Charges 1st
Funding model
Deposit backed and securitised
FCA regulated Yes
Interest range
Bridging from 0.70% per month; term from 4.99%; development from 7.50%
Fixed/variable interest Both available
Treatment of interest & default interest
Sectors
Rolled, retained and serviced; default interest charged only where contractually agreed, capped and transparent
Residential, development, semi-commercial, HMO, MUFB, PBSA and holiday lets
Max LTV 75% LTV (bridging)
Max LTGDV 70% (heavy refurb and development)
Max LTC Up to 90% (development)
Min & max loan term 12–24 months (bridging); 5–30 years (term); 12–30 months (development)
Min & max loan size
Min property value
£100,000–£35 million
£100,000
Valuation retypes Yes
Rental calculations & exposure Specialist stress testing with bespoke affordability for portfolio and complex scenarios
Geographical lending areas England and Wales
Types of valuation accepted AVMs, short form residential and Red Book, and long form
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes, Grade II only
Green/Sustainable product No dedicated product; sustainability considerations embedded in lending decisions
Planning permission needed Yes (for development); case by case on bridging
Commission rate By agreement
Associations/Charters FIBA, NACFB and ASTL
Types of landlords accepted Individuals, limited companies, LLPs and portfolio landlords
Upfront fees No
Broker portal Yes
Early redemption charges Yes (term); no (bridging)
Investment Yes
Owner occupied No
Electronic signatures accepted Yes
Lending on land Yes, with planning
WHO WE ARE: Hilco Real Estate Finance UK (‘HREF’) was established in 2023 to serve the UK & Irish bridging market, and is part of the Hilco Group, established for over 40 years. The group employs over 800 people worldwide and has assets under management of over $3bn. With a large capital base, and a streamlined credit process, we complete deals quickly and efficiently. Fee structure is typically arrangement fee plus interest charges; interest can be retained or cash paid or a combination of both. We offer competitive pricing models. Borrower to pay valuation fee and legal cost undertaking.
OUR ETHOS: HREF have significant capital to deploy and expect to complete on several hundred million pounds of deals in 2025/26. We pride ourselves on our ability to provide tailored finance solutions that meet the specific needs of our clients. We look at each transaction on its own merits, and can lend in any sector, any situation, anywhere in the UK & Ireland. Single ‘common sense’ underwriting decision under the control of UK management leads to quick, flexible and bespoken decisions. We are very keen to work with the intermediary market, and will pay appropriate fees.
WE
We specialise in bridging finance across the whole of the UK: any sector, any situation, loans from £2m+ with capability to write loans of £100m+. We are a very experienced team which looks at each situation on its own merits.
Sean Adams MANAGING DIRECTOR
sadams@hilcoglobal.com 07968 553341
Jamie Jolly MANAGING DIRECTOR
jjolly@hilcoglobal.com 07305 309648
Steve Allen DIRECTOR
sallen@hilcoglobal.com 07907 355 035 003
Alexey Shokhin SENIOR BUSINESS DEVELOPMENT CONSULTANT
ashokhin@hilcoglobal.com 07984 748 773
20 North Audley Street Mayfair, London W1K 6WE hilcoglobal.com/companies/
Product types
Bridging
Charges 1st and 2nd
Funding model Funded via Hilco Group and independent funding lines.
FCA regulated No, but registered for AML / KYC purposes.
Interest range Bridging from 0.70% per month
Fixed/variable interest Fixed and Variable offered (Variable dependent on transaction size)
Treatment of interest & default interest Interest can be rolled, retained or serviced, or a combination of both. Totally flexible criteria. Default interest variable per transaction.
Sectors All sectors considered.
Max LTV
80%
Max LTGDV N/A
Max LTC
80%
Min & max loan term 24 months Max, min by negotiation
Min & max loan size Min £2,000,000, no Max
Min property value
£2,500,000
Valuation retypes Yes
Rental calculations & exposure Per deal basis
Geographical lending areas All UK & Republic of Ireland
Types of valuation accepted Full red book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product Yes
Planning permission needed Yes
Commission rate By negotiation
Associations/Charters NACFB
Types of landlords accepted All
Upfront fees Yes, by negotiation
Broker portal no
Early redemption charges Yes, if within min period
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land Yes
WHO WE ARE: Ingenious specialises in stretch senior bridging and development finance. We listen to our clients’ needs and approach each request to lend on an individual basis. We use our expertise to deliver bespoke financing solutions with a flexible, pragmatic and commercial approach. We fund projects in London, the South East and regional locations in England and Wales with established demand. Given our flexible approach, our criteria are guidance rather than boxes to tick, so please do get in touch if something doesn’t quite fit.
OUR ETHOS: The company offers bespoke financing solutions to promote the use of sustainable building materials and modern methods of construction. We strive to address not just EPC excellence but also, crucially, embodied carbon.
Ingenious specialises in stetch senior bridging and development finance. Complex deals are welcome.
Andrew Lipscombe
INVESTMENT DIRECTOR
07709 357 808
Andrew.Lipscombe@theingeniousgroup.co.uk
Howard Sefton
SENIOR INVESTMENT DIRECTOR
07960 916 550
Howard.Sefton@theingeniousgroup.co.uk
Dimitriy Williamson INVESTMENT DIRECTOR
07511 726 393
dimitriy.williamson@theingeniousgroup.co.uk
7th Floor
Parcels Building 14 Bird Street, London W1U 1BU
theingeniousgroup.co.uk/ ingenious-real-estate realestate@theingeniousgroup. co.uk
Product types Development and bridging finance Charges 1st
Funding model Long-standing retail investment platform
FCA regulated No
Interest range From 0.60% pm
Fixed/variable interest Fixed
Treatment of interest & default interest Typically, coupon is rolled; default interest rate is normally 3% pa
Sectors Residential, commercial, land without planning and industrial
Max LTV 75%
Max LTGDV
Max LTC 90%
Min & max loan term 12–30 months
Min & max loan size £3-25m
Min property value None
Valuation retypes Case by case
Rental calculations & exposure N/A
Geographical lending areas England and Wales
Types of valuation accepted Red Book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes, excluding Grade 1
Green/Sustainable product Yes
Planning permission needed No
Commission rate N/A
Associations/Charters N/A
Types of landlords accepted N/A
Upfront fees Yes, typically 1%
Broker portal No
Early redemption charges No
Investment No
Owner occupied No
Electronic signatures accepted Yes
Lending on land Yes
WHO WE ARE: Inhale Capital aims to provide a seamless financial solution for individuals and businesses in need of short-term funding and strives to be the lender of choice owing to its flexibility, real-estate understanding, responsiveness and ability to execute cost-effective liquidity solutions. With no costs to entry and over 60 years’ experience in property and finance, we can offer in-house valuations, saving the borrower substantial costs and ensuring speed and efficiency.
OUR ETHOS: To provide outstanding service to our clients, our underwriters and business processors will manage each case from start to finish, ensuring no misunderstandings and no unnecessary delays. This guarantees simple solutions and a smooth, personal experience from beginning to end.
WE
We offer bridging lending on residential, commercial and semi-commercial property. All lenders understand residential property. However, we can leverage more than six decades of expertise to capitalise on opportunities in the commercial and semi-commercial space.
MEET THE TEAM:
Rob Goodall CEO
AND FOUNDER
0161 515 3764
robgoodall@inhalecapital.co.uk
19 Market Street Altrincham WA14 1QS
inhalecapital.co.uk
enquiries@inhalecapital.co.uk
Product types
Bridging
Charges 1st and 2nd
Funding model We are a privately funded lender, using our own resources and HNW investors
FCA regulated No
Interest range Bridging from 1%
Fixed/variable interest Variable
Treatment of interest & default interest Interest can be retained, part retained or serviced; default interest payable at an additional 1% pm
Sectors Residential, office, industrial, retail, hospitality and HMO
Max LTV 85%
Max LTGDV N/A
Max LTC N/A
Min & max loan term No minimum; max 18 months
Min & max loan size No minimum; max £2.5m but larger loans will be considered
Min property value No minimum
Valuation retypes Yes
Geographical lending areas England, Scotland and Wales
Types of valuation accepted Internal, desktop, AVMs, retypes and Red Book
New builds Yes
Heavy Refurb No
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed Case by case
Commission rate From 1%
Associations/Charters MRICS
Types of landlords accepted Limited companies, individuals, first time and portfolio
Upfront fees No
Broker portal Yes
Early redemption charges Yes
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land Yes
WE ARE: KHK is a boutique bridging lender, established in 2016, that offers a no-nonsense approach with fast completions. We are best placed to assist with auction/quick purchases, HMO conversions and permitted development schemes. Loans are from £200,000–£5m+. We take a holistic view of every deal and use our many years of combined experience to reach the best outcome for you and your client. We are able to structure complex deals, using first and second charges as well as third-party charges and have agreed equitables previously.
We truly take the time to understand the deal and work with you and your client to reach the best outcome. We do not shy away from credit blips or difficult properties and have the expertise to deliver. We are a relationship lender, priding ourselves with customer satisfaction. Our ever-growing loan book speaks for itself, being built to date on repeat clientele and their introductions.
KHK loves a straight bridge with tight timescales, but also in our bag is expertise in HMO conversions, permitted development schemes and part-built schemes. We will consider ground-up developments and have funded a number of airspace projects.
Dov Ezekiel BUSINESS DEVELOPMENT MANAGER
07523 698 122 dov@khkcapital.co.uk
Stuart Boag HEAD OF UNDERWRITING
Email: stuart@khkcapital.co.uk
7 Stratford Place London England W1C 1AY
Product types: Bridging, development and refurbishment bridge Charges: 1st and 2nd
Funding model: HNWs and committed bank line
FCA regulated: No
Interest range: Bridging from 1%; dev from 1.2%
Fixed/variable interest: variable
Treatment of interest + default interest: Rolled, retained and serviced
Sectors:
Residential, development office, industrial, retail, hospitality and HMO
Max LTV: 75% on the OMV
Max LTGDV: Max 70%
Max LTC: 85%+
Min & max loan term: Min 1 month by prior agreement; max loan term 24 months
Min & max loan size: Min £200,000 (lower by prior agreement); max £5m (can go higher subject to underwriters’ discretion)
Min property value: £200,000
Valuation retypes: Yes
Rental calculations & exposure: Will review if exit is refinance
Geographical lending areas: England and Wales
Types of valuation accepted: AVMs, retypes and Red Book
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: no
Planning permission needed: No
Commission rate: From 1%
Associations/Charters: None
Types of landlords accepted: Limited companies, individuals, first time and portfolio
Upfront fees: No
Broker portal: No
Early redemption charges: No
Investment: Yes
Owner occupied: Yes, subject to underwriters’ discretion
Electronic signatures accepted: Yes, subject to underwriters’ discretion
Lending on land: Yes, as part of a wider transaction
WHO WE ARE: Kuflink, established over a decade ago, is a trusted provider of bridging and development finance for brokers and their clients. As an award-winning leader in alternative lending, we offer fast, reliable solutions with a focus on innovation and efficiency. We understand time is critical, so our experienced team delivers a swift, seamless service. Our offering includes AVMs, desktop valuations (semi-commercial and commercial) and expedited legals with title indemnity Insurance to reduce turnaround times and simplify transactions. With Kuflink, you can rely on a streamlined, client-focused experience so funding is delivered quickly, securely and without unnecessary delays.
OUR ETHOS: Responsible lending and ensuring good outcomes for clients is at the core of our business. Kuflink is human centric with a key focus on customer service and products tailored to the unique needs of clients. We continuously seek new and better ways to serve our brokers and their clients, embracing new technologies while working towards a paperless business. We are committed to contributing to the communities we serve, supporting local initiatives and aiding in economic growth.
Kuflink specialises in short-term bridging loans, mezzanine second charge loans, development finance, equitable charges and auction purchase. Our experienced team provides a tailored service to brokers enabling their clients to achieve goals. Kuflink offers desktop valuations, AVMs and drive-bys on bridging loans, understanding that speed is crucial.
Ranjit Narwal
HEAD OF ORIGINATION
07736388541 r.narwal@kuflink.com
Dan Belcher
INTERNAL SALES MANAGER 07494625074 d.belcher@kuflink.com
Joshua Spratt
SALES SUPPORT
01474 334488 j.spratt@kuflink.com
21 West Street
Gravesend
Kent
DA11 0BF
Mikie Butcher
BUSINESS DEVELOPMENT MANAGER
07526065105 m.butcher@kuflink.com
Maisie Kemp SALES SUPPORT OFFICER
01474 334488 m.kemp@kuflink.com
kuflink.com/borrow/ bridging-finance sales@kuflink.com
Product types:
Bridging, light refurbishment and heavy refurbishment lending (unregulated lending)
Charges: 1st, 2nd and equitable
Funding model: Peer to peer
FCA regulated: Yes
Interest range:
Bridging from 0.89%; development from 1.18%
Fixed/variable interest: Fixed
Treatment of interest + default interest:
Sectors:
Retained interest; default charged at 2% above standard rate.
Residential, semi-commercial, commercial, HMO, development, land with full planning and PBSA
Max LTV: 75%
Max LTGDV: 70%
Max LTC: 85%
Min & max loan term: 6–24 months
Min & max loan size: £100,000 to £1m (>£1m by referral)
Min property value: £150,000 (less may be considered by referral)
Valuation retypes: Yes
Rental calculations & exposure: N/A
Geographical lending areas: England, Wales and mainland Scotland
Types of valuation accepted: AVMs, desktop (semi-commercial and commercial), retypes, Red Book and short form
New builds: Yes
Heavy Refurb: Yes
Grade listed buildings: Yes
Green/sustainable product: No
Planning permission needed: Yes
Commission rate: Up to 2%
Associations/Charters: NACFB, ASTL and BDLA
Types of landlords accepted: Limited companies, individual, first-time and portfolio
Upfront fees: No
Broker portal: No
Early redemption charges: Yes
Investment: Yes
Owner occupied: No
Electronic signatures accepted: Yes
Lending on land: Yes, with full planning permission
WE
LendInvest Mortgages provides fast, flexible property finance to investors, developers and portfolio landlords. With a range of bridging loans, development finance and BTL and residential mortgages, we combine our industry expertise with technology to make obtaining finance easier. We provide the best service to property professionals and our intermediary partners. With us, you can submit bridging enquiries in just 10 clicks and our market-leading technology makes every deal faster. With LendInvest, you can submit bridging enquiries in less than 90 seconds and our market leading technology makes every deal faster. Incentives for bridge-to-lend loans available.
LendInvest’s mission is to make mortgages easy for everyone and, as a result, technology underpins everything we do. Supported by our in-house expertise, we make the process of applying for a mortgage or financing easier for your clients. Additionally, ESG is a big part of our identity. We reward borrowers that consider the environment and the communities they serve. You can find more on our ESG policy at https://corporate.lendinvest.com/about-us/esg/.
We specialise in regulated and unregulated bridging finance including refurbishment and development exit, and financing for development projects from new-builds to heavy refurbishment. We offer fixed and tracker BTL loans for standard properties, HMOs and MUFBs, and residential mortgages for borrowers with adverse credit and complex cases.
Daryl Sabatini
BUSINESS DEVELOPMENT MANAGER
0203 846 6886 daryl.sabatini@lendinvest.com
Mia Colgan
BRIDGING BDM
0203 846 6886 mia.colgan@lendinvest.com
Michael Minnie HEAD OF SALES FOR BRIDGING
0203 846 6886 michael@lendinvest.com
Lauren Bridgman
BRIDGING BDM
0203 846 6886 lauren.bridgman@lendinvest.com
4-8 Maple Street London W1T 5HD
Product types
Bridging, development, BTL and term Charges 1st; 1st and 2nd combined for regulated bridging only
Funding model
Alternative property finance platform funded by public and private securitisation, luxembourg funds, forward flows, HNWs & listed bonds.
FCA regulated Yes
Interest range
Fixed/variable interest
Treatment of interest & default interest
Sectors
Max LTV
Max LTGDV
Bridging from 0.82%; refurbishment GDV from 0.99%; development 5.5% + BBR
Bridging: fixed; development: variable
Rolled, retained and serviced; eg additional 0.5% charged daily, automatic extension then interest charged daily; higher rate capped at 2.5%
Residential mainly; semi-commercial, commercial and land on short-term lending side
Bridging: 85%
Development: 70%
Max LTC 85%
Min & max loan term
Min & max loan size
Min property value
Bridging: 3–12 months; development: 3–24 months
Bridging: £75,000; development: 1m - £20m
Review min loan size
Valuation retypes Yes; case by case
Rental calculations & exposure Case by case
Geographical lending areas England, Scotland and Wales
Types of valuation accepted AVMs, desktop, retypes, Red Book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed Yes
Commission rate N/A
Associations/Charters
Types of landlords accepted Limited companies, individuals, first time and portfolio
Upfront fees No
Broker portal Yes
Early redemption charges
Bridging: no; development: exit fee
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land Yes
WHO WE ARE: Market Financial Solutions is a specialist lender providing bridging loans and bespoke BTL mortgages to property investors. We were founded in 2006 and, since that time, we have never stopped lending. We’re there for individual investors, corporate borrowers, portfolio landlords and more. Our broad range of products can be used for a range of investments. We have funding available for standard residential or commercial purchases, through to complex finance for expats or complicated business set-ups. We underwrite from day one and we look for reasons to lend rather than finding excuses not to.
OUR ETHOS: We’re there for property investors who may struggle with tick-box criteria. Our funding is designed from the ground up to accommodate the real financial world and various economic challenges. That means we’re there for borrowers who may have historic CCJs, bankruptcies or missed payments to their names. We prioritise speed and flexibility in our underwriting. We’re able to have funding delivered in as little as three days from an enquiry where everything lines up. In addition, we tailor our loans to our clients’ circumstances, ensuring their loans work for their situation.
We specialise in bespoke, short-term bridging finance for property-related investments as well as specialist BTL mortgages for landlords.
Paresh Raja CEO
02070 601 234 paresh@mfsuk.com
Jack Warner CHIEF MORTGAGE OFFICER
0207 060 1234 07974 387 120 jack.warner@mfsuk.com
Karen Rodrigues CHIEF SALES OFFICER
07377 435 790
0207 060 1234 karen.rodrigues@mfsuk.com
Omkar Hushing
HEAD OF BUY-TO-LET AND SPECIALIST LENDING UNDERWRITING
0207 060 1234
07494 799 778 omkar@mfsuk.com 46 Hertford
Product types
Bridging loans and BTL mortgages
Charges 1st and 2nd
Funding model
Funding secured from multiple institutional investors
FCA regulated No
Interest range
Fixed/variable interest
Treatment of interest & default interest
Sectors
Max LTV
Max LTGDV
Max LTC
Min & max loan term
Min & max loan size
Min property value
Valuation retypes
Bridging from 0.70%; BTL from -0.31% + BBR
Bridging: fixed and variable; BTL: fixed and tracker
Rolled, retained, serviced, combined and deferred
Residential, commercial, semi-commercial and BTL
75%
N/A
N/A
Bridging: 3–24 months; BTL: up to 10 years
Bridging: £100,000–£50m; BTL: £150,000–£10m
£140,000
Retypes considered within 3 months; valuer needs to be on Market Financial Solutions panel
Rental calculations & exposure BTL ICR from 125%
Geographical lending areas England, Wales and Singapore
Types of valuation accepted Long form and Red Book
New builds Yes
Heavy Refurb No
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed Yes
Commission rate
Bridging from 1.1%; BTL from 1%
Associations/Charters NACFB, FIBA, BDLA and UK Finance
Types of landlords accepted Limited companies, individuals, first time and portfolio
Upfront fees Yes
Broker portal No
Early redemption charges Yes
Investment Yes
Owner occupied Yes; commercial BTL
Electronic signatures accepted No
Lending on land no
WHO WE ARE: Maslow Capital is a London-based, pan-European real-estate finance provider that has backed schemes worth more than £7bn. We combine institutional scale with an entrepreneurial mindset, offering bridging loans from £300k and development loans from £10m across the UK, Ireland, Spain, Portugal, Germany, Italy, France, and the Netherlands. All origination, underwriting, and servicing are handled by our own specialists, ensuring seamless execution and local insight on every deal. Clients appreciate our responsiveness, transparent decision-making, and commitment to cultivating long-term partnerships.
OUR ETHOS: We are the only lender in our peer group with an integrated suite of five complementary products, which allows us to stay with borrowers throughout the asset lifecycle and tailor facilities to shifting needs across the UK and Europe. This client-first model channels capital with purpose, supporting sustainable growth and delivering tangible value to the built environment.
We deliver bridging, refurbishment, development, developer-exit and stabilisation finance, providing a single funding partner across your investment lifecycle. Our Lending Solutions team also addresses bespoke cases – from land remediation and recapitalisations to loan purchases.
Mark Posniak MANAGING DIRECTOR
Short-Term Finance (UK and Europe) 07561 873 415 mark.posniak@maslowcapital.com
Emma Burke MANAGING DIRECTOR
Development Finance (UK and Europe) 07500 947 362 emma.burke@maslowcapital.com
Adam Baghdadi HEAD OF LENDING SOLUTIONS (UK AND EUROPE) 07395 877 372 adam.baghdadi@maslowcapital.com
Product types
Bridging, development and lending solutions
Charges 1st
Funding model
Funding is provided via a discretionary lendiing fund
FCA regulated No
Interest range
Fixed/variable interest
Treatment of interest & default interest
Sectors
Max LTV
Max LTGDV
Max LTC
Rates from 0.65% pm
Fixed and variable
Flexible, including retained, rolled, serviced and deferred
Residential, development, industrial, retail, hospitality, PBSA and HMO
75%
Min & max loan term 1 month–5 years
Min & max loan size
Min property value
£300,000–£750m
£200,000
Valuation retypes Refer
Rental calculations & exposure Refer
Geographical lending areas Pan European: UK, Ireland, Spain, Portugal, the Netherlands, Germany and Italy
Types of valuation accepted Deal dependent
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product Expected Q4
Planning permission needed Deal dependent
Commission rate Up to 2%
Associations/Charters N/A
Types of landlords accepted All, including limited companies, individual, first-time, portfolio etc
Upfront fees Deal dependent
Broker portal No
Early redemption charges Deal dependent
Investment Yes
Owner occupied No
Electronic signatures accepted Yes
Lending on land Yes, with planning permission
With two decades in the market, Masthaven Finance is a well-established lender known for making quick, robust decisions, and delivering a flexible, efficient and supportive service to achieve outstanding outcomes for your clients. As well as mortgages, secured loans and development finance, Masthaven Finance offers a comprehensive suite of bridging solutions—including regulated and unregulated bridging loans on a first and second charge basis, complex credit, heavy renovation projects (with drawdowns), self-build, professional development, developer exit and commercial bridging finance.
Masthaven Finance has spent 20 years in a changing market and we’re still doing what we’ve always done best—leading with trusted people making trusted decision, delivering loans as promised. We believe in clear thinking, honest conversations and doing things properly—because that’s how trust is built. Not overnight but over decades of showing up, solving problems and staying true to our promises. That’s the Masthaven way. It always has been.
Masthaven Finance works closely with brokers to deliver certainty for your clients, offering a wide range of bridging solutions including regulated and unregulated loans, first and second charges, complex credit, heavy refurbishments, self-build, developer exit, professional development and commercial bridging finance.
Claire Newman
DIRECTOR OF BRIDGING AND DEVELOPMENT
0208 910 8713
Claire.Newman@masthaven.co.uk
Jim Baker
SALES DIRECTOR—BRIDGING AND DEVELOPMENT
07870 842 613
Jim.Baker@masthaven.co.uk
Ginny Warby
SENIOR BUSINESS DEVELOPMENT MANAGER
07939 580 401
Ginny.Warby@masthaven.co.uk
Tony Grillo
SENIOR BUSINESS DEVELOPMENT MANAGER
07496 990 116
Tony.Grillo@masthaven.co.uk
3 Theobald Court Theobald Street Borehamwood WD6 4RN
masthaven.co.uk
Product types
Bridging, development, self-build and commercial Charges 1st and 2nd or a combination of both
Funding model
Institutional bank funding, mezzanine investors, shareholders and private equity
FCA regulated Yes
Interest range 0.84%–1.19%
Fixed/variable interest Fixed
Treatment of interest & default interest
Rolled for regulated; retained for unregulated; extension fee is 1% for serviced and 1.5% for rolled
Sectors Residential, development and commercial
Max LTV
Max LTGDV
Max LTC
Min & max loan term 1–12 months regulated; 1–18 months unregulated and CBTL
Min & max loan size
Min property value
£50,000 –£3,000,000 (higher by referral)
£100,000 (lower by referral)
Valuation retypes By referral
Rental calculations & exposure N/A
Geographical lending areas England, Wales and mainland Scotland
Types of valuation accepted AVMs, Red Book open market valuation and retypes (by referral)
New builds Yes
Heavy Refurb Yes
Grade listed buildings Grade II; Grade I (by referral)
Green/Sustainable product No
Planning permission needed Yes (unless by referral)
Commission rate Up to 2% of net
Associations/Charters BDLA and NACFB
Types of landlords accepted Limited companies, individual, first-time and portfolio
Upfront fees Valuation and legal only
Broker portal No—coming in 2025
Early redemption charges No
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes, on application forms
Lending on land Yes (by referral)
WHO WE ARE: Set up in 2021 and offering no minimum loan size from the start, the company has grown to just shy of 30 staff members and lent over £385m. MS Lending Group is a fast, flexible and reliable bridging lender. We respond to all new enquiries within a couple of hours and offer terms and instruct the same day. We don’t believe in upfront costs and all loans are individually underwritten. Our average completion time is 14 days and we can complete without a full valuation. Bridging should be fast — and MS Lending Group is exactly that.
We’re not tick box, and we don’t believe bridging should be either. We are proactive and relentless in seeking the best outcome for our clients. We pride ourselves on doing exactly what we say we will do. And our reputation and feedback in the industry are testament to our great service. We are here to innovate bridging, offering no minimum loan size, no valuation, day-rate bridging, light refurbishment bridging and more.
Our speed and service make us the fastest lender in the market, instructing the same day. We are flexible, with a case-by-case approach and no strict LTV criteria and checklists. We are reliable — if we say we will do it, no way we will let you down.
Jamie Pritchard
HEAD OF SALES
jamiepritchard@mslendinggroup.co.uk 07775 108809
Tom Herbert
RELATIONSHIP MANAGER (NORTH)
tomherbert@mslendinggroup.co.uk 07586 552179
Junior Borland
RELATIONSHIP MANAGER (MIDLANDS)
juniorborland@mslendinggroup.co.uk 07353 150600
Sandfield House Water Lane Wilmslow, Cheshire SK9 5AR
mslendinggroup.co.uk
Adam Tauber
HEAD OF BROKER RELATIONS
adamtauber@mslendinggroup.co.uk 07778 638440
Daniel Smith
RELATIONSHIP MANAGER (LONDON & THESOUTH)
danielsmith@mslendinggroup.co.uk 07353 150650
Ash Kendall
SALES SUPPORT
ashkendall@mslendinggroup.co.uk 07353 150662
enquiries@mslendinggroup. co.uk
Product types: Bridging
Charges: 1st and 2nd
Funding model: HNW and institutional
FCA regulated: No
Interest range: Bridging from 0.9%
Fixed/variable interest: Variable
Treatment of interest + default interest: Options of fully retained, part services, part retained and rolled
Sectors: Residential, commercial, semi-commercial, HMO and industrial
Max LTV: 85%
Max LTGDV: N/A
Max LTC: N/A
Min & max loan term: No min; max 18 months
Min & max loan size: No min; no max
Min property value: No min
Valuation retypes: Yes
Rental calculations & exposure: N/A
Geographical lending areas: England, Wales and Scotland
Types of valuation accepted: AVMs, desktop, retypes, Red Book and no valuation
New builds: Yes
Heavy Refurb: No
Grade listed buildings: Yes
Green/sustainable product: Yes, EPC and social housing; £1,000 back if you improve EPC rating
Planning permission needed: No
Commission rate: Up to 2%
Associations/Charters: Registered with FCA
Types of landlords accepted: All
Upfront fees: No
Broker portal: No
Early redemption charges: Yes
Investment: Yes
Owner occupied: Yes
Electronic signatures accepted: Yes
Lending on land: Yes
In a diluted bridging space, it is becoming harder and harder to stand out and showcase your USP's. Everyone is (supposedly) fast, everyone is (supposedly) flexible - but how many lenders actually are? How many lenders actually do what they say they are going to do?
We don't try and be everything to everyone as we'd rather be the BEST at what we do do - being fast, flexible and reliable. That’ s exactly what we are, and thats precisely why you should try MS Lending Group.
MICHAEL STRATTON, CEO & FOUNDER
WHO WE ARE: Founded in 1981, MSP Capital is a specialist lender providing bridging and development finance to professional housebuilders. With more than 40 years of experience, we are known for our reliability, expert market knowledge and a team that prioritises relationship-led lending. Our customers value our hands-on approach and clear, dependable decisions. Our relationship-led approach ensures flexibility and responsiveness, allowing us to tailor funding to developers’ needs. At MSP, we deliver more than funding—we are partners who offer the expertise and support to help customers achieve their ambitions with confidence.
OUR ETHOS: At MSP Capital, our entrepreneurial spirit and solutions-focused mindset define how we work. We empower developers to shape communities by creating exceptional homes. In addition, our ESG strategy, ‘Foundations for Better Futures’, demonstrates our dedication to innovation, addressing industry challenges, supporting local communities and promoting fairness across the sector. With values of openness and teamwork, we are committed to building partnerships that drive progress towards a forward-thinking, equitable future for property development.
We specialise in providing bespoke finance solutions at every stage of the property development cycle—from land purchase through to unit sales. Focused on finding reasons to say “yes”, we go beyond finance, building trusted partnerships that enable success throughout the entire development journey.
Adam Tovey COMMERCIAL DIRECTOR
a.tovey@mspcapital.co.uk
Arian Manouchehri HEAD OF SALES & ORIGINATIONS a.manouchehri@mspcapital.co.uk
Chris Sheppard HEAD OF UNDERWRITING
c.sheppard@mspcapital.co.uk
Mike Townsend
BUSINESS DEVELOPMENT MANAGER m.townsend@mspcapital.co.uk
Strata House 12-14 Castle Street Poole, BH15 1BQ
mspcapital.co.uk
Info@mspcapital.co.uk
Product types
Bridging and development loans
Charges 1st and 2nd; 2nd for bridging loans only
Funding model
Institutional, equity and HNW
FCA regulated No
Interest range
Fixed/variable interest
Treatment of interest & default interest
Sectors
Max LTV
Max LTGDV
Max LTC
Min & max loan term
Min & max loan size
Min property value
From 0.75% for both bridging and development loans
Fixed only
Rolled up, serviced, and retained at a default interest rate. The default interest rate is 2.25% per calendar month (pcm)
Assets including residential, commercial and industrial
Up to 70% for development loans; up to 75% for bridging loans
Up to 70%, depending on the type of loan
Up to 90%
Up to 24 months for development loans; Up to 12 months for bridging loans
£75,000–£10m
£100,000 min
Valuation retypes Yes
Rental calculations & exposure No; we do not work with BTL
Geographical lending areas Southern England with other geographical areas considered
Types of valuation accepted Red Book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes, only Grade 2 listed with criteria to be met
Green/Sustainable product No, but we are open to supporting green/sustainable projects
Planning permission needed Yes
Commission rate We provide a maximum of 1% for broker introductions
Associations/Charters No
Types of landlords accepted Limited companies, individuals, partnerships and LLPs
Upfront fees No; only third-party costs such as legals, valuations and IMS costs
Broker portal No
Early redemption charges No, but we require 28 days’ notice
Investment No; we only offer short-term lending
Owner occupied No
Electronic signatures accepted Yes
Lending on land Yes (dependent)
WHO WE ARE: MVC is a family-owned residential development funder. We are run by experienced property professionals with extensive first-hand development experience and have been lending to small and medium sized developers and builders for 25 years. We regularly receive repeat business from developers and have long-established relationships, some of which go back over 20 years.
OUR ETHOS: We are traditional in our approach and pride ourselves in providing an excellent service. Our offers are easy to understand, and we do not have hidden charges or fees. We are looking to build long-term relationships based on trust and performance.
Our product is simple: we provide senior funding for residential development. We lend up to 65% of GDV and our loans are typically £750,000–£3,500,000. Geographically, we cover most of England, from Devon in the South West to Manchester and Leeds in the North.
Jon Mann HEAD OF OPERATIONS
01277 351 860 jon.mann@mvcfinance.co.uk
Pauline Biscoe MANAGER—EXECUTIVE SUPPORT
01277 351 860 pauline.biscoe@mvcfinance.co.uk
The Old Dairy Radley Green Farm Radley Green Farm Road Ingatestone, Essex CM4 0LU www.mvcfinance.co.uk enquiries@mvcfinance.co.uk
Product types Development Charges 1st
Funding model In-house funds
FCA regulated No
Interest range 9.75%–13%
Fixed/variable interest Variable
Treatment of interest & default interest Rolled, quarterly
Sectors Residential
Max LTV N/A
Max LTGDV 65%
Max LTC 85%
Min & max loan term Development: 12–18 months
Min & max loan size Development: £750,000–£3,500,000
Min property value N/A
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England and Wales
Types of valuation accepted Red Book and in-house
New builds Yes
Heavy Refurb Yes
Grade listed buildings No
Green/Sustainable product Yes
Planning permission needed Yes
Commission rate Case by case
Associations/Charters N/A
Types of landlords accepted N/A
Upfront fees Yes
Broker portal No
Early redemption charges No
Investment No
Owner occupied No
Electronic signatures accepted Negotiable
Lending on land No
WHO WE ARE: Octane Capital is a short-term lender with a rich history. Our roots in specialist lending date back to 2009 and our team have lent over £4bn since. Our founders, Jonathan Samuels and Matt Smith, were behind Dragonfly Property Finance, a successful specialist lender before launching Octane. We offer bridging, refurbishment and developer exit finance, with one of the cheapest rates in the market (0.73% per month + (BBR linked)). Our rates are linked to the Bank of England base rate, meaning borrowers benefit if this drops mid-loan term. We launched Octane in 2017 and are proud to have lent over £1.75bn since.
OUR ETHOS: Our emphasis is on certainty, delivery and service. Regarding certainty, our funding line is an equity partner in Octane, which gives us long-term stability and the ability to lend at scale. For delivery, we have assembled one of the market’s most experienced teams to ensure we have the best chance of delivering for your clients. When it comes to service, whether it’s providing credit-backed terms in two hours, fully underwriting new applications in 48 or responding to all underwriting queries within 24, we believe we provide industry-leading levels.
We concentrate on short-term finance secured on residential and semi-commercial property. We fund refurbishment projects of all shapes and sizes—including light, heavy, structural and change-of-use projects. And we have strong appetite for developer exit loans, including those not yet at practical completion.
Jonathan Samuels CEO
0345 222 9009 jonathan@octanecapital.co.uk
Richard Deacon MANAGING DIRECTOR (SALES) 07817 822 554 richard.deacon@octanecapital.co.uk
Matt Smith DIRECTOR OF CREDIT
07813 577 584 matt@octanecapital.co.uk
Josh Knight SALES AND MARKETING DIRECTOR 07741 591 922 josh@octanecapital.co.uk
Haskell House 152 West End Lane London NW6 1SD
octanecapital.co.uk
deals@octanecapital.co.uk
Product types
Bridging, refurbishment and developer exit finance Charges 1st
Funding model
Octane are a JV with our funding line, an asset management firm with substantial assets under management
FCA regulated No
Interest range
Bridging and developer exits loans from 0.73% per month (BBR linked), refurbishment loans from 0.76% per month (BBR linked).
Fixed/variable interest Variable: linked to BBR
Treatment of interest & default interest
Sectors
Rolled. We typically charge a 1.5% extension fee for a 6-month extension; interest accrues daily; we do not load the interest rate and we do not charge exit fees
Residential and semi-commercial property; commercial and land with planning can be considered at low LTVs
Max LTV 75% for bridging and developer exits, 75% net day one for refurbishments
Max LTGDV 70%
Max LTC 80%
Min & max loan term 6–24 months
Min & max loan size
Min property value
£175,000–£20,000,000
£200,000 but with flexibility if the minimum loan size is met
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas Mainland England
Types of valuation accepted Red Book and retypes
New builds Yes
Heavy Refurb Yes
Grade listed buildings No
Green/Sustainable product No
Planning permission needed No
Commission rate Up to 2%
Associations/Charters No
Types of landlords accepted Most borrower profiles acceptable: individuals, limited companies, offshore companies, trusts, foreign nationals, expats, first-time buyers/landlords and first-time developers
Upfront fees No
Broker portal Yes
Early redemption charges No
Investment Yes
Owner occupied No
Electronic signatures accepted Yes, at application stage. Wet signatures needed for the loan documents
Lending on land Yes, with full planning permission at lower LTVs
WHO WE ARE: Established in 2013, Ortus Secured Finance is a bank-owned principal lender offering bespoke residential and commercial property loans across the UK and Northern Ireland. With offices in London, Manchester, Birmingham and Belfast, our team combines regional expertise with structured funding up to £25m. We specialise in complex borrowers, offshore structures and commercial stabilisation. Our typical time to fund is two to four weeks. We charge standard valuation and legal fees, with no exit or early redemption fees. Ortus is known for reliability, speed and creative loan structuring. We listen, then find a way.
OUR ETHOS: Ortus is powered by intelligent, commercially-minded people who thrive on solving complex challenges. We are known for our ability to find a way when others cannot, applying deep sector knowledge and structuring expertise across residential and commercial lending. We are bank-owned, with substantial capital ready to deploy throughout 2025 and 2026. Our focus is on reliability, speed and delivering bespoke solutions. We support brokers and borrowers with clarity and conviction, offering a consistent approach and the confidence that comes from working with a lender that delivers when it matters most. We listen, then find a way.
High value residential. Commercial stabilisation. Residential and commercial bridging made simple. Ortus Secured Finance delivers fast, flexible funding for foreign nationals, offshore structures and intricate deals. With rates from 5.5-8% + BRR, we’re more than lenders – we’re problem solvers, giving brokers speed, certainty and tailored solutions when it matters most. When others hesitate, Ortus finds a way.
Jamie Russell
DIRECTOR – LONDON & SOUTH EAST
07741 196 308 jamie@ortussecuredfinance.co.uk
Mel Howard
RELATIONSHIP MANAGER –MIDLANDS & WALES
07467 188 508 mel.howard@ortussecuredfinance.co.uk
Nations House 103 Wigmore Stree London, W1U 1QS
Matt Boggan
RELATIONSHIP MANAGER –NORTH EAST, YORKSHIRE & SCOTLAND
07775 096 565 matt.boggan@ortussecuredfinance.co.uk
Richard King
RELATIONSHIP MANAGER –NORTH WEST
07388 993 985 rking@ortussecuredfinance.co.uk
ortussecuredfinance.co.uk enquiries@ortussecuredfinance. co.uk
Product types
Charges
Funding model
Bridging, BTL and term
1st and 2nd (2nd charge only where makeweight security)
Bank Owned
FCA regulated No
Interest range
Residential Bridging @c.0.85%
Commercial Bridging @c.0.92%
Fixed/variable interest Both
Treatment of interest & default interest
Sectors
Max LTV
Can be serviced, retained, part-retained or interest roll-up.
Hotels and leisure assets, Care homes, Holiday lets, Industrial / Warehouses, Office, Retail, Semi commercial / mixed use, Portfolios, Residential
Commercial – Max 60% MV
Residential – Max 70% MV
Max LTGDV N/A
Max LTC N/A
Min & max loan term Up to 5 years
Min & max loan size
£250k-£25m
Min property value N/A
Valuation retypes Yes subject to approved valuer & timescales
Rental calculations & exposure N/A
Geographical lending areas England, Wales, Scotland, Northern Ireland & Ireland
Types of valuation accepted Red Book
New builds Yes – on development exit deals
Heavy Refurb No
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed Yes
Commission rate Up to 2%
Associations/Charters NACFB
Types of landlords accepted Limited companies/individual/first-time/ portfolio/SSAS/Charities/Off-shore
Upfront fees No
Broker portal No
Early redemption charges No
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land Yes
We’re mortgage experts with a no-frills approach to lending. And when it comes to bridging, we really know our stuff - our specialist finance sales team are skilled in both regulated and unregulated bridging finance. There’s also a Precise app to help brokers save time and stay in the know while out and about. Features include real-time case updates, customisable push notifications and on-the-go calculators. Plus, as part of OSB Group, our sales team is able to discuss solutions from InterBay, for commercial and semi-commercial lending.
We believe lending doesn’t need to be complicated, so our approach is simple: we provide the products your customer needs, when they need them. We’re proud to work exclusively with intermediaries and have designed our products and criteria with brokers in mind, alongside support from our experts and best-in-class levels of service. We’re aware of our responsibilities as a specialist lender and the positive impact we can make on society through our activities. As such, responding to the challenges and opportunities that ESG matters present has now become an integral part of OSB Group’s strategy.
We specialise in residential mortgages and bridging, while also offering a range of buy to let solutions. Our criteria are renowned for being clear-cut and straightforward, which means that you can find answers and compare information quickly and easily. No faff, no fuss!
Charter House Exchange Court Brabourne Ave
Wolverhampton, WV10 6AU
precisemortgages.co.uk enquiries@precisemortgages. co.uk
Product types
Regulated and non-regulated bridging
Charges 1st and 2nd for additional securities
Funding model
Retail Deposits
FCA regulated Yes
Interest range Refer to website
Fixed/variable interest Refer to website
Treatment of interest & default interest
Sectors
Refer to website
Residential, BTL and bridging
Max LTV Typical maximum 75%. Please refer to your account manager.
Max LTGDV
Max LTC
Min & max loan term
Min & max loan size
Min property value
Product type dependant – refer to website
Product type dependant – refer to website
Minimum term 1 month, Maximum term 12 months (regulated), 18 months (unregulated)
Typical minimum loan £50K. Please refer to your account manager for less. No maximum
£100,000 (Residential), £150,000 (Commercial/ Semi-Commercial)
Valuation retypes Yes, subject to referral
Rental calculations & exposure Product/applicant specific – refer to website
Geographical lending areas England, Wales and parts of Scotland
Types of valuation accepted AVM, short form and long form
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes: grade II England and Wales; grade C Scotland
Green/Sustainable product No
Planning permission needed Yes, for heavy/tier 2 refurb
Commission rate Speak to your BDM
Associations/Charters UK Finance, IMLA, AMI, FLA, NACFB, FIBA, and the Financial Services Forum
Types of landlords accepted HMO, ltd co and portfolio
Upfront fees Only upfront fee is the valuation fee – refer to website
Broker portal Yes for first charge lending, no for bridging
Early redemption charges Product type dependent – refer to website
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land No
Fast. No frills. No fuss. Great value bridging.
Intermediaries only.
WHO WE ARE: Recognise Bank is a modern banking institution dedicated to providing innovative financial solutions. Frustrated by the shortcomings of traditional banking, the bank set out to create a more customer-centric and flexible approach. Since obtaining its banking licence in 2021, Recognise Bank has rapidly grown its customer base, building a reputation for exceptional service and competitive products. Recognise Bank supports UK SMEs and property investors by providing bespoke financial solutions, with all current lending focusing on bridging. We pride ourselves on offering flexible solutions delivered expertly and at pace.
OUR ETHOS: We understand that no two financial needs are the same. We work with UK SMEs and individuals to unlock opportunities that others overlook in order to build and grow stronger futures with lasting success. Every deal is considered on its own merits by our skilled lending and credit teams, meaning we can be flexible as we thoroughly understand both real estate and bridging. Our proposition is backed by simple processes delivering speed of both credit decision and loan completion.
Recognise Bank specialises in bringing bespoke, short-term funding solutions to meet the needs of property investors, owner-occupiers and developers.
Caroline Luxmore
CHIEF COMMERCIAL OFFICER
07913 029 451 caroline.luxmore@recognisebank.co.uk
Mike Doxford
SENIOR LENDING MANAGER
07502 261 922 mike.doxford@recognisebank.co.uk
Heather Mitchell LENDING MANAGER
07867 445 418 heather.mitchell@recognisebank.co.uk
Luke Beirne
SENIOR LENDING MANAGER
07353 003 085 luke.beirne@recognisebank.co.uk
Henry Thomas House 5-11 Worship Street London, EC2A 2BH Suite 419, Blackfriars House Parsonage, Manchester, M3 2JA
recognisebank.co.uk lendingenquiries@recognisebank.co.uk
Product types Bridging Charges 1st
Funding model Bank
FCA regulated Yes
Interest range From 0.70% pcm
Fixed/variable interest Fixed and variable
Treatment of interest & default interest Retained or serviced
Sectors Residential, commercial, semi-commercial and land
Max LTV 75%
Max LTGDV N/A
Max LTC Up to 100% for light refurbishment subject to max day-one LTV of 85%
Min & max loan term 3–24 months
Min & max loan size
Min property value
£250,000–£7.5m
£150,000
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England, Scotland and Wales
Types of valuation accepted Red Book
New builds Yes
Heavy Refurb No
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed Yes
Commission rate By negotiation
Associations/Charters NACFB and FIBA
Types of landlords accepted Limited companies, individuals and portfolio
Upfront fees Yes
Broker portal No
Early redemption charges No
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land Yes
WHO WE ARE: Somo is a second-generation family of property bridging lenders. With a friendly team that’s always on hand to help, we use our many years of experience combined with advanced technology to make sensible decisions that help find funds fast. We have three key products - Somo Prime, Low Rate and Valuation Only™ - tailored to fit the diverse needs of borrowers. Our famous Valuation Only™ suits cases involving adverse credit, unprovable income, equitable charges and repossession while Somo Prime offers our lowest rates and highest LTVs for prime locations and prime clients.
OUR ETHOS: We try to find as many ways as possible to say “yes” to a loan, simply and responsibly. We want to make finding the right bridging loan like applying for a loan from a high-street bank, only simpler, and live by the proposition: why make bridging difficult? Somo honours the special relationship brokers create with clients and our blended service means you can focus on what you do best – managing clients and cases – while we do the heavy lifting. We instruct valuations, organise second charge consent and process the legals while providing support.
WE SPECIALISE IN: Somo specialises in second-charge and equitable-charge loans. Our Valuation Only product is specialised for borrowers without proof of clean credit or income.
Louis Alexander CEO
0161 312 5656 louis@somo.co.uk
Rob Johnson UNDERWRITING DIRECTOR
0161 312 5656 rob.johnson@somo.co.uk
Jade Keval SALES DIRECTOR
07564 502 171 jade.keval@somo.co.uk
St John’s House Barrington Road Altrincham WA14 1JY
www.somo.co.uk brokers@somo.co.uk
Product types
Somo Prime, Low Rate & Valuation Only™
Charges 1st and 2nd 3rd and Equitable Charges
Funding model Crowdfunded, P2P and institutional funding lines
FCA regulated Yes
Interest range
From 0.75%
Fixed/variable interest Fixed
Treatment of interest + default interest Retained, serviced and amalgamation of retained and serviced
Sectors
Residential, BTL, HMO, semi-commercial as well as commercial to residential conversions
Max LTV 75%
Max LTGDV N/A
Max LTC N/A
Min & max loan term 1 – 24
Min & max loan size
£27,500 - £3million
Min property value N/A
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas England & Wales
Types of valuation accepted AVMs, Re-types, Red Book, Desktop, Short form
New builds Yes
Heavy Refurb N/A
Grade listed buildings Yes
Green/Sustainable product N/A
Planning permission needed If applicable
Commission rate 1-2%
Associations/Charters NACFB
Types of landlords accepted Ltd co, individual, first time and portfolio
Upfront fees
£350 lock-in fee and valuation fee
Broker portal No
Early redemption charges Dependent on offer
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes, up to legal stage
Lending on land Yes, with additional security
WHO WE ARE: With extensive experience acting for lenders and borrowers on high-value and complex transactions, we aim to rapidly identify and manage risk and facilitate a smooth process for all involved. Our dedicated team provides a range of services, including acting on bridging finance, all aspects of the purchasing of businesses, secured and unsecured lending, mezzanine finance, private equity finance, loan agreements and security advice as well as property finance, restructuring facilities, short-term secured lending, plus specialist structured or leveraged finance. We act for lenders and receivers in enforcing charges in the event of default.
OUR ETHOS: We’re a multi-disciplinary law firm that prides itself on delivering exceptional service to clients while adopting a pragmatic and commercial approach. To our clients, we are part of their team. We strive to be clear, concise and transparent with them throughout each transaction. Our specialist and highly skilled solicitors have decades of experience between them and come together through a shared ethos born from the desire to go above and beyond for our clients. Our dynamic and innovative firm is future facing and offers a complete client service.
We are highly skilled solicitors with a shared ethos and expertise in real estate, dispute resolution, banking and finance, company and commercial, restructuring and insolvency, and intellectual property.
Richard Spector PARTNER
Tel: +44 (0)20 7269 5120
Email: richard.spector@scwlegal.co.uk
George Constant PARTNER
Tel: +44 (0)20 7269 5120
Email: george.constant@scwlegal.co.uk
Alun Williams PARTNER
Tel: +44 (0)20 7269 5120
Email: alun.williams@scwlegal.co.uk
Natalie Toffis PARTNER
Tel: +44 (0)20 7269 5120
Email: natalie.toffis@scwlegal.co.uk
4th Floor
75 Wells Street London W1T 3QH
scwlegal.co.uk
reception@scwlegal.co.uk
WHO WE ARE: TFG was established in August 2014 by James Mortimore to provide companies and property investors with a route to available funding in a difficult and increasingly risk-averse market. We aim to provide bespoke, flexible funding solutions where we are able to complete within as little as 72 hours. Each case requires the client to pay valuation and legal fees upfront; TFG, as a lender, does not charge any upfront fees but we do charge arrangement fees upon completion of facilities.
OUR ETHOS: TFG provides straightforward bridging finance based solely on security values, which enables businesses to access quick finance for whatever their immediate requirements are.
At TFG, we specialise in providing fast, flexible finance for companies in need. Our ability to work to extremely tight deadlines combined with a no-nonsense approach to lending provides a level of comfort and certainty that is unique in our marketplace.
James Mortimore
MANAGING DIRECTOR
07917 337 853 james@tfgcapital.co.uk
Andrew Hunt OPERATIONS DIRECTOR
07708 344 653 andrew@tfgcapital.co.uk
Luke Flanagan MANAGER—NATIONAL BROKERS AND INTERNAL SALES TEAM
07395 791 275 luke@tfgcapital.co.uk
Product types
Bridging and development
Charges 1st and 2nd
Funding model Diversified funding line
FCA regulated No
Interest range 1%–2% per month
Fixed/variable interest Fixed
Treatment of interest & default interest Serviced and retained; standard default rate 3%
Sectors Residential, commercial, semi-commercial and land with/without planning
Max LTV 70%
Max LTGDV 60%
Max LTC 60%
Min & max loan term 3–12 months
Min & max loan size
£50,000–£5,000,000
Min property value N/A
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas Security located in the UK
Types of valuation accepted Short form, Red Book, retypes and desktop
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed No
Commission rate 2%
Associations/Charters NACFB, FIBA and BDLA
Types of landlords accepted Limited companies, individuals and portfolio
Upfront fees No
Broker portal No
Early redemption charges Yes
Investment Yes
Owner occupied Yes
Electronic signatures accepted No
Lending on land Yes
WHO WE ARE: The Property Box Loan Company was established in 2013 to provide mezzanine funding to residential developers. Based in the West End of London, our team has substantial experience in property funding and development. The company considers requirements ranging from £200,000 to £6m and up to 75% (bank debt + mezzanine) of the forecast end value. Funding is predominately principal money and therefore not subject to external availability.
OUR ETHOS: We aim to maintain the highest standards of business conduct and integrity and require the same of our customers, with honesty and transparency on both sides. Many problems can arise in development: openness about these problems will reduce anxiety in the long term as, together, we help to work our way round the issues. More details of our ethos, controls and responsibilities etc are set out in our report and accounts. We are particularly keen to fund developers who are building green, sustainable buildings with the best EPC ratings and the lowest carbon footprint.
We provide mezzanine and super mezzanine finance for residential property development. We pride ourselves on our flexible approach to funding, quick decisions and value the importance of long- term relationships with intermediaries and developers.
Michael Chicken DIRECTOR
0207 292 8808
07785 580 412 mjc@merchantplace.co.uk
Scott Arnot BUSINESS DEVELOPMENT DIRECTOR
0207 292 8810 07775 667 242 scottarnot@propertyboxloan.co.uk
Emon Martin NEW BUSINESS MANAGER
07428 608 428 emonmartin@propertyboxloan.co.uk
4 Newburgh Street London W1F 7RF
propertyboxloan.co.uk
scottarnot@propertyboxloan. co.uk
Product types Development
Charges 2nd and 3rd
Funding model Predominately principal money
FCA regulated No
Interest range From 20%
Fixed/variable interest Fixed
Treatment of interest & default interest Rolled; default charged at 4% pa above current rate
Sectors Residential and commercial
Max LTV 75% for mezzanine; 80% for super mezzanine
Max LTGDV N/A
Max LTC 90% for mezzanine; 95% for super mezzanine
Min & max loan term 12–24 months
Min & max loan size
£200,000–£6m
Min property value £1m
Valuation retypes Yes
Rental calculations & exposure N/A
Geographical lending areas Nationwide
Types of valuation accepted Red Book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product Core products may not be available if minimum green requirements are not achieved
Planning permission needed Yes
Commission rate From 1%
Associations/Charters N/A
Types of landlords accepted N/A
Upfront fees Circa 1.5%
Broker portal No
Early redemption charges Yes
Investment No
Owner occupied No
Electronic signatures accepted Yes
Lending on land
Only as construction starts
We’re Together—property finance experts with common sense. For over 50 years, we’ve helped thousands of people, business and professionals unlock their property ambitions with our common-sense approach to lending. Our large product suite of mortgages and secured loans gives us the flexibility to help in a wide range of specialist lending, including short-term finance, Buy to Let, commercial and semi-commercial mortgages. Based in Cheadle, Cheshire, our 800 colleagues use their expertise and industry knowledge to help our customers throughout the UK, backed by the power of a £7.6bn loan book.
We’re driven by a purpose to help people realise their property ambitions by making finance work. We believe our purpose should work hand in hand with our responsibilities to: our planet by reducing our impact on the environment; our customers by making a positive impact on society and being a valued partner to them; our communities, to which we’ll continue to contribute and inspire colleagues to give back to society; and our colleagues, as we value diversity of thinking, ideas and background. See: togethermoney.com/sustainability.
We look beyond mainstream criteria, and make fast, informed decisions for the individual behind every case. We accept wide-ranging income sources, complicated purchases, non-standard property, imperfect credit or a combination of all four. Our experienced intermediary team and specialist distributors focus on securing the best outcomes for customers.
Tanya Elmaz
DIRECTOR OF INTERMEDIARY SALES
07903 557 898 tanya.elmaz@togethermoney.com
Nick Parker
HEAD OF NETWORKS AND CLUBS 07843 804 029 nick.parker@togethermoney.com
Michelle Walsh
HEAD OF INTERMEDIARY SALES –COMMERCIAL FINANCE
07922 573 663 michelle.walsh@togethermoney.com
Maeve Ward
HEAD OF INTERMEDIARY SALES - PERSONAL FINANCE
07596 883 479 maeve.ward@togethermoney.com
Lake View Lakeside Cheadle Cheshire SK8 3GW
togethermoney.com/ intermediaries newbusiness@togethermoney. com
Product types
Charges
Funding model
Regulated and Unregulated Bridging, Buy to Let, Commercial Mortgages, Business Loans, First Charge Mortgages, Second Charge Mortgages and larger loans for high-net worth individuals
First and second
A diversified funding structure combining listed bonds, private and public securitisations, revolving credit facility and shareholder funds
FCA regulated Yes
Interest range
Fixed/variable interest
Treatment of interest & default interest
Sectors
Unregulated Bridging from 0.91%; Regulated Bridging from 0.74%; Buy to Let from 6.09%; commercial term from 8.64%
Fixed and variable
Retained or serviced
Residential, office, industrial, retail, hospitality, PBSA, HMO, commercial units, and community housing, leisure and healthcare
Max LTV Up to 75%; higher on referral
Max LTGDV 70% max; case by case
Max LTC 85% max; case by case
Min & max loan term
Min & max loan size
Unregulated Bridging: 1–12 months, longer term by referral; Regulated Bridging: 1–12 months; Buy to Let: 6–30 years; Commercial Term: 6–30 years (capital repayment) and 6–10 years (interest only)
Unregulated Bridging: £26,000–£5m; Buy to Let: £30,000–£2.5m; Commercial Term: £50,000–£1.5m
Min property value No minimum; subject to minimum loan size
Valuation retypes Considered
Rental calculations & exposure Our rental calculation is ICR (Interest Cover Ratio); we have no exposure rule but it is assessed at underwriting
Geographical lending areas England, Scotland and Wales
Types of valuation accepted AVMs, retypes, Red Book, 180-day and investment value on referral
New builds Yes
Heavy Refurb No; light refurbishment only
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed Yes; bridge by referral
Commission rate From 1.25% for fully packaged cases
Associations/Charters NACFB, FIBA, BDLA and NAPB
Types of landlords accepted First-timer buyer, first-time landlord, non-portfolio and portfolio, non-UK expats and foreign nationals
Upfront fees No
Broker portal Yes
Early redemption charges Yes
Investment Yes
Owner occupied Yes
Electronic signatures accepted No
Lending on land Yes
• Forecasted income accepted
• First-time property investors considered
• Non-UK and foreign nationals welcome
• First and second charge available*
• Flexible on larger loans
Have you read our Cities in focus 2025: Commercial property insights? Scan the QR code to find out more.
*Second Charge available on Unregulated Residential Bridge, Buy to Let and Homeowner Business Loans
Bridging | Commercial Term | Buy to Let Semi-commercial | Homeowner Business Loans Contact the team today 03300 299 450 For professional intermediary use only
WE
Topland is a principal lender with more than three decades of experience. The group has backed some of the UK’s most complex and high-value real estate transactions. Built by Sol and Eddie Zakay and still privately owned, we operate at institutional scale with entrepreneurial agility. Our bridging and structured finance platform sits at the heart of a wider multi-billion-pound real estate business—enabling us to move fast, think flexibly and fund deals that others cannot. In 2024, Sol and Eddie received the PROPS Lifetime Achievement Award for their contribution to British real estate.
ETHOS: We are relationship driven, opportunity focused and unconstrained by red tape. As a privately funded business, our decisions are fast, commercial and partner led. We lend our own capital and pride ourselves on reliability, discretion and creativity—often backing complex or time-sensitive deals where traditional lenders cannot move. With a legacy built over decades, our ethos is rooted in long-term trust.
We provide bridge loans, shorter-term loans, structured finance and joint venture funding across all real estate sectors—with a focus on speed, certainty and deal-making flexibility.
Daniel Eastwood
ORIGINATOR
0203 835 8596 daniele@topland.co.uk
Anish Vora
ORIGINATOR
0203 835 8591 anishv@topland.co.uk
7th floor 105 Wigmore Street
W1U 1QY
topland.co.uk
Ryan Smith HEAD OF ACQUISITIONS
0203 835 8619 ryans@topland.co.uk
David Sanderson
INVESTMENT DIRECTOR
0207 518 5006 davids@topland.co.uk
Product types
Commercial bridge, bridging, short-term investment (up to 3 years) and light and heavy refurbishment; development case by case
Charges 1st, 2nd and equitable
Funding model 100% balance sheet funded
FCA regulated No, but registered for AML purposes
Interest range 9% plus
Fixed/variable interest Variable (BBR) and fixed
Treatment of interest & default interest Rolled, retained and serviced; reviewed on a case-by-case basis
Sectors Residential and commercial
Max LTV
Max LTGDV
80%
80%
Max LTC 80%
Min & max loan term 3–36 months
Min & max loan size £3m–£50m
Min property value No minimum
Valuation retypes Case by case
Rental calculations & exposure N/A; interest shortfall case by case
Geographical lending areas England, Wales, Scotland and Ireland
Types of valuation accepted Red Book and retypes
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed No
Commission rate Case by case; competitive
Associations/Charters No
Types of landlords accepted Individuals and corporates, including offshore entities
Upfront fees Yes
Broker portal No
Early redemption charges Subject to requirement for minimum interest period
Investment Yes
Owner occupied No
Electronic signatures accepted Yes
Lending on land Yes
WHO WE ARE: United Trust Bank (UTB) is a dynamic and thriving specialist bank providing a range of secured funding facilities to individuals, housebuilders and developers, investors, landlords and SMEs. UTB is recognised as a leading regulated bridging lender and has recently grown its share of the unregulated market with refurbishment products, dedicated underwriting teams and a proven fast-track bridging service delivering quick and efficient decisions and completions. We are a trusted and dependable finance partner who continued to lend throughout the pandemic and the more recent inflationary and economic volatility, honouring our funding commitments.
OUR ETHOS: UTB is a dependable and progressive finance partner funded by a robust and reliable retail deposits business. We support our customers through the economic cycle and build strong, long-term relationships that help them achieve their goals. We employ highly experienced people who understand the industries in which they operate and whose knowledge adds value to the bank’s relationships with brokers and customers. We are aware of the important role businesses can play in society and in protecting our planet. You can find out more about our environmental and social governance policy at www.utbank.co.uk/esg/.
WHAT WE SPECIALISE IN: We concentrate on residential mortgages, residential second charges, BTL, regulated and unregulated bridging finance, and structured and development finance.
MEET THE TEAM:
Paula Purdy
SALES DIRECTOR, BRIDGING
07825 720 616 ppurdy@utbank.co.uk
Paul Turton
DIRECTOR - BUSINESS DEVELOPMENT & MARKETING – PROPERTY 07887 716 015 pturton@utbank.co.uk
Neil O’Shea
BUSINESS DEVELOPMENT DIRECTOR – STRUCTURED PROPERTY SOLUTIONS
07785 447 158 NOshea@utbank.co.uk
Caroline Mirakian
SALES & MARKETING DIRECTOR – MORTGAGES
07825 720 586 cmirakian@utbank.co.uk
One Ropemaker Street London EC2Y 9AW utbank.co.uk hello@utbank.co.uk
Product types
Bridging, development, residential 1st and 2nd charge , BTL and structured finance
Charges 1st and 2nd
Funding model
Deposit funded
FCA regulated Yes
Interest range
Fixed/variable interest
Treatment of interest & default interest
Sectors
Max LTV
Max LTGDV
Max LTC
Min & max loan term
Min & max loan size
Min property value
Valuation retypes
Bridging rates from 0.80%; structured bespoke and development is project dependent
Bridging and BTL are fixed; development is variable
Rolled, retained and serviced; default interest charged at a fixed rate; higher rate capped at 2.5%
Residential, HMO, MUB , semi-commercial and commercial
Bridging: 75%; BTL: 80%; residential: 95%; second charge: 90%
Bridging: 75%; development: 65%
Development: 90%
Bridging 1–24 months; development up to 36 months; structured up to 60 months; BTL 5–25 years; residential 5–40 years; second charge 3–30 years
Bridging:
£125,000–£15m; structured: £1m+; development: £1m–£35m; BTL: £50,000–£1.5m; residential £25,000–£2m; 2nd charge: £10,000–£500,000
£100,000 for bridging; £100,000 for BTL; £90,000 for residential
Can be considered case by case
Rental calculations & exposure BTL: ICR calculation of 125%/130% or 140%, depending on tax band, using the 5-year fixed pay rate or 2-year fixed + 2%; exposure with BTL is max £5m or 20 loans to a single borrower(s) or limited company
Geographical lending areas England, Wales and Scotland; development and BTL in England and Wales only
Types of valuation accepted AVMs, drive by, full, and short and long form
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product No
Planning permission needed Yes
Commission rate
Varies by product; please call to discuss
Associations/Charters ASTL, FIBA and NACFB
Types of landlords accepted Varies by product
Upfront fees
Valuation and legal for bridging and residential
Broker portal Yes
Early redemption charges No for bridging; yes for BTL and residential
Investment Yes
Owner occupied Yes for bridging and residential; no for BTL and development
Electronic signatures accepted Yes for certain items
Lending on land
For bridging, will consider land with planning permission; for BTL and residential, will not lend against land alone
At United Trust Bank, we believe that we can achieve more together than alone. That’s why we’re committed to building great relationships with our broker partners.
We go further so you can too
As one of the largest non-bank specialist lenders in the market, West One offers a comprehensive range of specialist lending products to support property investment professionals, landlords and homeowners alike. Established in 2007 as a bridging finance lender, West One has since grown to offer a range of complementary products, including development finance, first and second charge mortgages, and BTL mortgages (all alongside bridging). We create integrated lending solutions across the property investment lifecycle, encompassing acquisition, planning, development and sale. In March 2025, we reached £1bn in development lending.
As an FCA-regulated business, good governance is at the heart of everything we do. Our approach to CSR and ESG is delivered through a carefully designed policy framework and KPIs, underpinned by our corporate culture and values. ESG progress is monitored regularly, reported to the board and published in our annual report. Our CSR and ESG frameworks are built on five pillars: customers; colleague ; community; environment; and governance. We host a range of activities throughout the year and track KPIs to ensure ongoing improvement in our ESG position.
West One has an integrated portfolio of lending products for the property finance lifecycle. We’ve built a reputation for our unique approach to credit and personalised approach to lending. We help homeowners, landlords and property professionals discover the right financial solution across a diverse range of products.
Tom Cantor
HEAD OF BRIDGING FINANCE
0203 928 1822
Thomas.Cantor@westoneloans.co.uk
Guy Murray
HEAD OF DEVELOPMENT FINANCE
0208 736 2268
Guy.Murray@westoneloans.co.uk
Paul Huxter
HEAD OF INTERMEDIARY SALES AND DISTRIBUTION
0203 927 0022
Paul.Huxter@westoneloans.co.uk
The Edward Hyde Building 38 Clarendon Road
Watford
WD17 1JW
westoneloans.co.uk
sales@westoneloans.co.uk
Product types
Bridging, development, BTL and residential Charges 1st and 2nd
Funding model
Capital markets, institutional and private funding
FCA regulated Yes
Interest range
Bridging from 0.75% pm; dev from 5% + BBR pa; BTL from 1.69% pa; 2nd charge BTL from 6.49% pa
Fixed/variable interest Both
Treatment of interest & default interest
Sectors
Max LTV
Bridging: retained, serviced; default interest charged at double reduced rate; dev: rolled interest
All
Bridging 75%; dev: 70%; BTL: 80%; BTL (2nd charge): 75%
Max LTGDV 65%
Max LTC 85%
Min & max loan term
Min & max loan size
Min property value
Valuation retypes
Bridging: 1–24 months; BTL: 5–25 years; dev: 15–24 months
Bridging: £75,000-£30m+ (higher on referral); BTL: £50,000–£3m; dev: £1m-£20m (higher on referral)
Bridging: £100,000; BTL: £90,000; dev min GDV: £1.5m
Yes, by referral
Rental calculations & exposure BTL: 125% coverage on basic rate taxpayers and limited companies; 140% for higher-rate and additional rate taxpayers
Geographical lending areas
Bridging, dev, BTL: England, Wales; Bridging and BTL only: mainland Scotland
Types of valuation accepted AVMs and Red Book; full valuations needed for BTL
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product Yes, BTL only: A-C EPC ratings, excluding new-builds
Planning permission needed
Commission rate
Bridging: no; dev: yes; BTL: yes
BTL: from 0.6%; bridging: from 1%; dev: from 1%
Associations/Charters NACFB, ASTL and FIBA
Types of landlords accepted First-time landlords, limited companies, individual and portfolio investors, and foreign nationals/expats (by referral)
Upfront fees
Bridging: yes; BTL: yes, £199 application fee and valuation fee
Broker portal Yes
Early redemption charges
Bridging: no; dev: no; BTL: product specific
Investment Yes
Owner occupied Yes
Electronic signatures accepted Yes
Lending on land Yes
Whitehall is a specialist finance provider dedicated to strategic investments in the real estate credit sector. Our focus is on delivering tailored lending solutions on residential and commercial real estate, including developments within England and Wales. Our funding set up helps us in being swift and flexible when approaching our client’s needs, enabling us to provide terms in less than 24hr and deploy funds in less than a week. This has helped establish our strong reputation which has been built on clear, open and honest communication throughout the loan process.
As opposed to many of our peers, we are self-funded and do not fully rely on external credit lines, thus allowing us to be in control of every aspect of our value chain. By providing access to finance, we play a key role in maintaining liquidity in the housing market and supporting SME’s, who are crucial in sustaining the real economy and ultimately resolving England’s housing crisis. Furthermore, many of our loans are specifically for works to achieve a higher energy performance certificate rating, ultimately supporting the transition to net zero and reducing tenant bills.
We specialise in bridging and development short-term financing, including complex ownership structures involving foreign nationals or entities willing to invest in the British real estate market.
Anthony Bodenstein MANAGING DIRECTOR
0203 026 7437 anthony@whitehalllending.com
Gabriele Pascazio VICE PRESIDENT
0203 026 7437 gabriele@whitehalllending.com
49 Grosvenor Street Mayfair, London W1K 3HP
Mev Mirza BUSINESS DEVELOPMENT MANAGER
0203 026 7437 mev@whitehalllending.com
Oliver Foskett CHIEF OPERATING OFFICER
0203 026 7437 oliver@whitehalllending.com
whitehalllending.com contact@whitehalllending.com
Product types
Bridging and development
Charges 1st and 2nd
Funding model Self-funded through equity
FCA regulated No
Interest range
Interest from 0.99% pm
Fixed/variable interest Fixed
Treatment of interest & default interest
Sectors
Retained and serviced; default interest charged at 2% pm on top of the agreed interest rate
Residential, development, commercial—office, industrial, retail, hospitality, PBSA and HMO
Max LTV 75%
Max LTGDV 70%
Max LTC N/A
Min & max loan term 3–24 months
Min & max loan size
£200,000–£20m
Min property value N/A
Valuation retypes Only in very specific circumstances
Rental calculations & exposure N/A
Geographical lending areas England and Wales
Types of valuation accepted Red Book
New builds Yes
Heavy Refurb Yes
Grade listed buildings Yes
Green/Sustainable product Yes (see Our Ethos, opposite )
Planning permission needed No
Commission rate 1%
Associations/Charters N/A
Types of landlords accepted Both individuals and limited companies as well as non-UK residents/entities
Upfront fees Yes
Broker portal No
Early redemption charges No
Investment Yes
Owner occupied No
Electronic signatures accepted Yes
Lending on land No
1st
2nd
1st
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