The Lender Index 2025/26

Lender Index 2025/26

Bridging, Commercial, BTL and Development Finance A broker’s essential guide to finding the right lender

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Contents 6 10 12 14 16 18 20 22 24 28 32 34 36 38 40 44 48 50 52 56 60 62 64 66 68 70 72 74 76 78 82 86 88 92 94 96 98 100 104 108 110 112 114 116

134 136

Albatross Lending Group Allica Bank Alternative Bridging Corporation Aspen Bridging Atelier Avamore Capital Beaufort Bridging Beaufort Capital Black & White Bridging Blackfinch Property Blend BloomSmith Bluecroft Finance Brightstone Law LLP Buzz Capital CapitalRise Catalyst Century Capital Cohort Capital DCI Finance Elite Lending Fairbridge Capital Finanze Capital Funding 365 Hampshire Trust Bank Hilco Real Estate Finance Ingenious Inhale Capital KHK Capital Kuflink LendInvest Market Financial Solutions Maslow Capital Masthaven MS Lending Group MSP Capital MVC Development Finance Ltd Octane Capital Ortus Secured Finance Precise Recognise Bank Somo Spector Constant & Williams TFG Capital The Property Box Loan Company Together Topland United Trust Bank West One Loans Whitehall Lending Lender Matrix

Short-term loans for ambitious property investors Developer exits, including before PC

Decorative refurbishments Structural refurbishments loft conversions and extensions House to HMO / flats conversions

Semi-commercial refurbishments

Pre-planning acquisitions

Rates from

0.73

%

per month (BBR linked)

Get in touch with the team today: 0345 222 9009 deals@octanecapital.co.uk octanecapital.co.uk For use by mortgage intermediaries only. Rates can go up or down with BBR. Octane Capital Ltd (Reg No 10481270), Octane Property Finance Ltd (Reg No 10483453) and Octane Property Finance 4 Ltd (Reg No 12491136) are private limited companies registered in England and Wales having their registered office at 20 Grafton Street, London W1S 4DZ.

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Albatross Lending Group W H O W E A R E : 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. O U R E T H O S : 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+.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Nils Raber

Geoff Cooney

07789 493 781 nils@albatrosslending.co.uk

Geoff@albatrosslending.co.uk 07549648991

ASSOCIATE DIRECTOR

REGIONAL LENDING MANAGER – SOUTH WEST

Cameron Linnell

REGIONAL SALES MANAGER (NORTH)

07715 976444 cameron@albatrosslending.co.uk

36 Soho Square London W1D 3QY

6 | Lender Index

albatrosslending.co.uk

info@albatrosslending.co.uk

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest & default interest Sectors

Bridging and refurbishment 1st and 2nd Predominantly principal funding with institutional support no From 0.85%pcm Fixed Rolled, retained, and serviced.

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 Minimum 3 months, maximum 3 years Min & max loan size Minimum £50,000, maximum £5m Min property value £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

Lender Index | 7

Notes:

The lender of choice for commercial deals that don’t fit the mould.

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.

Rates from

Loans up to

Start-ups and poor credit considered.

All commercial security assets considered.

Principal-funded and relationship-driven.

Up to 70% LTV of OMV. Available to owner occupiers.

info@albatrosslending.co.uk | albatrosslending.co.uk | 0208 079 7691

Allica Bank W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : Supporting UK established businesses with straightforward business finance, including commercial mortgages, asset finance, bridging finance, growth finance and buy-to-let.

MEET THE TEAM: Stephen Spinks

Steve Palfreeman

07943 184 749 Stephen.spinks@allica.bank

0207 846 2637 Steve.Palfreeman@allica.bank

Charissa Chang

Brandon Hall

07494 596 184 Charissa.chang@allica.bank

07399 793 967 brandon.hall@allica.bank

HEAD OF BROKER SALES – COMMERCIAL MORTGAGES (SOUTH AND CENTRAL)

HEAD OF BROKER SALES – COMMERCIAL MORTGAGES (NORTH AND MIDLANDS)

4th floor 164 Bishopsgate London, EC2M 4LX

10 | The Index

allica.bank/introducers

BUSINESS DEVELOPMENT DIRECTOR – BRIDGING FINANCE

HEAD OF BROKER SALES – ASSET FINANCE

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 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/variable interest Fixed and variable options Treatment of interest & default Various by product, please call to discuss interest Sectors Residential, HMOs, office, industrial, retail, hospitality, healthcare Max LTV Commercial owner-occupied 80%; commercial investment 75%; BTL 75%; bridging finance 85% Max LTGDV Bridging finance up to 65% Max LTC 90% Min & max loan term Commercial owner-occupied 5-25 years; commercial investment 5-year; BTL 5-year; bridging finance: 3-24 months Min & max loan size Commercial mortgages and bridging £150k-£10m; BTL £250k-£10m Min property value £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

The Index | 11

Alternative Bridging Corporation W H O W E A R E : 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”.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Paul Gavin HEAD OF SALES

0207 096 8123 07570 708 414 paul.gavin@alternativebridging.co.uk

2 Imperial Place Maxwell Road Borehamwood WD6 1JN

12 | Lender Index

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 Retained or serviced; default interest by agreement interest: 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

Lender Index | 13

Aspen Bridging W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : Aspen specialises in light development, foreign national bridge-to-let and bridging finance. We offer a range of products to suit different requirements.

MEET THE TEAM: Ian Miller-Hawes

Mike Allen

07708 486 587 ianmillerhawes@aspenbridging.co.uk

07513 480 392 Mikeallen@aspenbridging.co.uk

Steve Gregory

Saif Khalique

07716 098 079 steveg@aspenbridging.co.uk

07922 577 541 saifkhalique@aspenbridging.co.uk

SALES DIRECTOR

BUSINESS DEVELOPMENT MANAGER

BUSINESS DEVELOPMENT MANAGER

2 Stratford Court Cranmore Boulevard Solihull B90 4QT

14 | Lender Index

www.aspenbridging.co.uk

UNDERWRITING MANAGER

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

Retained Interest: 0.85-2% applied case-by-case

Sectors

Residential, Investment, Commercial, Semi-Commercial, HMO & Redevelopment

Max LTV

80%

Max LTGDV

70%

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

Lender Index | 15

Atelier W H O W E A R E : 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. O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : We specialise in development and bridging finance, providing competitive and flexible funding solutions for professional developers working across Residential, BTR, Student and Care schemes.

MEET THE TEAM: Matthew Blaine Young

Rav Kudhail

0207 846 8263 matthewblaine.young@atelierfinance.co.uk

0207 846 8252 rav.kudhail@atelierfinance.co.uk

Simon Joseph

Raj Hothi

0207 846 8235 simon.joseph@atelierfinance.co.uk

020 7846 8257 raj.hothi@atelierfinance.co.uk

HEAD OF ORIGINATION

RELATIONSHIP DIRECTOR

London office 3-5 Rathbone Place London, W1T 1HJ Birmingham office 102 Colmore Row Birmingham, B3 3AG

16 | Lender Index

LENDING DIRECTOR

LENDING DIRECTOR

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 rolled or serviced. Additional 6.0% pa default rate if interest: 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

Lender Index | 17

Avamore Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Adam Butler

George Ormerod

07388 919 116 ab@avamorecapital.com

07824 333 747 go@avamorecapital.com

Cam Levitt

George Poole

DIRECTOR OF SALES AND MARKETING

RELATIONSHIP MANAGER—LONDON AND SOUTH EAST

07450 277 122

RELATIONSHIP MANAGER—SOUTH/SOUTH WEST

RELATIONSHIP MANAGER—MIDLANDS AND THE NORTH

07496 292 452

CL@AVAMORECAPITAL.COM

GP@AVAMORECAPITAL.COM

Cannon Place 78 Cannon Street London EC4N 6HL

18 | Lender Index

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 Retained Interest. Default interest of 2% pcm following grace period. Extensions available at lower rates. interest: 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

Lender Index | 19

Beaufort Bridging W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Richard Titcombe ASSOCIATE DIRECTOR

0203 0266 143 07584 095 772 richard@beaufortbridging.co.uk

7 Curzon Street London W1J 5HG

20 | Lender Index

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 Rolled, retained or serviced interest 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

Lender Index | 21

Beaufort Capital W H O W E A R E : 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.

O U R E T H O S : 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 W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Mark Quigley

Steffan Goold

07342 885 277 mark@beaufortcapital.co.uk

07342 881 311 steffan@beaufortcapital.co.uk

Joe Flaherty

Peter French

07500 704 548 joe@beaufortcapital.co.uk

07884 226 144 peter@beaufortcapital.co.uk

MANAGING DIRECTOR—UK REAL ESTATE FINANCE

DIRECTOR

7 Curzon Street London W1J 5HG

22 | Lender Index

DIRECTOR

SENIOR ASSOCIATE

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 Rolled; fixed higher rate of default interest may interest 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

£10m–£100m (stretched senior debt) and £3m–£15m (mezzanine finance) per single development project.

Larger facilities available for multiple projects

Min property value

£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

Lender Index | 23

Black & White Bridging W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Magnus Duke Dadzie

Mike Underwood

07956 329292 mdd@blackandwhitebridging.co.uk

07502 456603 mun@blackandwhitebridging.co.uk

Dave McCarthy

Shahed Popat

07388 121702 dmm@blackandwhitebridging.co.uk

07425 380124 spo@blackandwhitebridging.co.uk

RELATIONSHIP DIRECTOR

RELATIONSHIP DIRECTOR

Bury Manor Offices Woodcroft Lane Wick, BS30 5SH

24 | The Index

RELATIONSHIP MANAGER

RELATIONSHIP MANAGER

blackandwhitebridging.co.uk

enquiries@blackandwhitebridging.co.uk

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest & default interest

Bridging – (and Dev) 1st (and 2nd ) HNWs, Institutions No From 0.69% upwards Fixed 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 75% Max LTGDV 75% 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

The Index | 25

Some things are better

Television

• 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?

Scan to access our

Scan to access our dedicated dedicated broker page broker page

www.blackandwhitebridging.co.uk

in Black & White...

Photos

Get in touch to discuss your next case: 0117 937 4333

Bristol - London - Manchester

Blackfinch Property W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: John Hartigan

Phil Dart

01452 717 980 j.hartigan@blackfinch.com

01452 717993 p.dart@blackfinch.com

David Diemer

Nicola Mayes

01452 922 581 d.diemer@blackfinch.com

01452 717586 n.mayes@blackfinch.com

INVESTMENT DIRECTOR

SENIOR INVESTMENT MANAGER

INVESTMENT DIRECTOR

1350-1360 Montpellier Court Gloucester Business Park Gloucester GL3 4AH

28 | Lender Index

SENIOR INVESTMENT MANAGER

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 Rolled/Serviced interest compounded daily. Default interest interest +1% pcm.

Sectors

All Sectors

Max LTV

70% (75% for BTL)

Max LTGDV

70%

Max LTC

85%/90% (require 5% cash equity)

Min & max loan term

6-36 months with 60 month terms for commercial mortgages

Min & max loan size

£1m-£20m

Min property value

£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

Lender Index | 29

Looking for a Bridging, Development or Buy-to-Let finance partner?

At Blackfinch Property we’re dedicated to helping rejuvenate local areas and economies

Fully-Funded Lender

Responsible Investing

In-House Legal Team

Fast and Flexible Approach

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.

Loan term 3 - 36 months Loan amounts typically £1m to £25m Loan to value (LTV) up to 70% Loan to cost 85%, but will consider up to 90% Geographical coverage across the UK Lending against both residential and commercial property

Get in touch today on propertyenquiries@blackfinch.com and see how we can help you

For all our news and product announcements make sure to follow us on social media!

BLEND W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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. MEET THE TEAM: David Alcock

Matthew Measures

07785 715 954 david.alcock@blendnetwork.com

07877 238 675 matthew.measures@blendnetwork.com

Yann Murciano

Graeme Walker

07557 796 821 yann.murciano@blendnetwork.com

07999 777 526 graeme.walker@blendnetwork.com

MANAGING DIRECTOR

HEAD OF CREDIT

CEO

142 New Cavendish Street London W1W 6YF

32 | Lender Index

LENDING DIRECTOR

www.blendnetwork.com

enquiries@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 Rolled, retained and serviced; default rate on a case-byinterest case basis Sectors

Residential, mixed-use and commercial. Acquisition, refurbishment, conversion, ground-up and exit

Max LTV

75%

Max LTGDV

72%

Max LTC

95%

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

Lender Index | 33

BloomSmith W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Nigel Smith

Dave White

07770 914 594 nigelsmith@bloomsmith.co.uk

07801 035 498 dave@bloomsmith.co.uk

CEO

DIRECTOR

Joe Thomas

DIRECTOR OF MARKETING

07807 016 276 joethomas@bloomsmith.co.uk

3 Astwood Mews Kensington London SW7 4DE

34 | Lender Index

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

Lender Index | 35

Bluecroft Finance W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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%.

MEET THE TEAM: James Brocklebank

Sam Bailey

SENIOR BUSINESS DEVELOPMENT MANAGER (MIDLANDS & WALES)

BUSINESS DEVELOPMENT MANAGER (LONDON AND SOUTH EAST)

07858 818 391 James.brocklebank@bluecroftfinance.com

07860 610 042 Sam.bailey@bluecroftfinance.com

Colin Ness

Jacob Tate

BUSINESS DEVELOPMENT MANAGER (SCOTLAND AND SOUTH WEST)

07354 201 459 Colin.ness@bluecroftfinance.com

6 Ambassador Place Stockport Road Altrincham WA15 8DB

36 | The Index

bluecroftfinance.com

BUSINESS DEVELOPMENT MANAGER (NORTH)

07958 199934 jacob.tate@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

Fixed and variable

Treatment of interest & default Retained, serviced interest 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

£75,000–£3m

Min property value

£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

The Index | 37

Brightstone Law LLP W H O W E A R E : 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.

O U R E T H O S : 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. W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Jonathan Newman

Rehka Chelvendra

0208 731 3080 jn@brightstonelaw.co.uk

0208 731 3080 rc@brightstonelaw.co.uk

SENIOR PARTNER

PARTNER

Harry Peradigou PARTNER

0208 731 3080 hp@brightstonelaw.co.uk

Brighthstone House 511 Centennial Park Centennial Avenue Elstree Hertfordshire WD6 3FG

38 | Lender Index

www.brightstonelaw.co.uk

info@brightstonelaw.co.uk

Lender Index | 39

Buzz Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: David Peck

Alex Martin

david@buzzcapital.co.uk 07909 916 928

alex@buzzcapital.co.uk 07769 671 501

Marcus Searancke

Alena Walker

marcus@buzzcapital.co.uk 07500 091 139

alena@buzzcapital.co.uk 01273 766 399

PROPERTY DIRECTOR

LENDING CONSULTANT

BUSINESS AFFAIRS DIRECTOR

First Floor 18 Queens Road Brighton, East Sussex BN1 3XA

40 | The Index

UNDERWRITER

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 Standard rate: retained interest, calculated on a simple interest basis; default rate, calculated on a compounding basis Sectors

Residential (houses, flats, HMO, MUFB), student accommodation, hotels, retail, office, warehousing and light industrial

Max LTV

Residential bridge: 75%; commercial bridge: 60%; development: 75%

Max LTGDV

Residential bridge: 75%; commercial bridge: 60%; development: 75%

Max LTC

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

The Index | 41

Bespoke Property Bridging and Development Finance

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.

What can we lend against?

• 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) 100 Up to 100% build cost funded Rates from 0.89% per month Maximum net loans up to £600,000 Generous broker fees

Contact Us Today!

Email: hello@buzzcapital.co.uk Website: www.buzzcapital.co.uk Tel: 01273 766399

CapitalRise W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Lee Francis

Raf Chowdhury

07880 650 651 lf@capitalrise.com

07443 074 064 rc@capitalrise.com

HEAD OF ORIGINATION

ASSOCIATE DIRECTOR

Katy Katani

LENDING DIRECTOR

07799 262 381 kk@capitalrise.com

33 Cavendish Square London W1G 0PW

44 | Lender Index

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 Roll-up on development; rolled/services on bridge and interest: 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:

£1m–£20m

Min property value:

£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

Lender Index | 45

SPECIALIST PRIME PROPERT Y FINANCE PRIME CENTRAL LONDON, OUTER LONDON, HOME COUNTIES

SENIOR

STRETCHED SENIOR

MEZZANINE

Up to 75% LTV and 90% loan to cost

Loans between £1 million and £20 million with ability to lend higher

Large single units Multi unit schemes No upper £PSF limit

TA I L O R E D P R O P E R T Y F I N A N C E S O L U T I O N S 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.

Get in touch to see how we can help finance your prime property project.

LEE FRANCIS

0788 065 0651 lf@capitalrise.com

KATY KATANI

0779 926 2381 kk@capitalrise.com

CAPITALRISE.COM

RAF CHOWDHURY 0744 307 4064 rc@capitalrise.com

WENTWORTH ESTATE

SLOANE GARDENS

ACADEMY GARDENS

VIRGINIA WATER

CHELSEA

KENSINGTON

GDV at exit

£14.0m

Loan amount £8.5m

GDV at exit

£9.7m

GDV at exit

£12.0m

Loan amount

£6.8m

Loan amount

£8.4m

Loan type

Senior Development

Loan type

Senior Development

Loan type

Senior Development

LTV at exit

61%

LTV at exit

70%

LTV at exit

70%

ST GEORGE’S HILL

CHEYNE WALK

PARK STREET

SURREY

CHELSEA

MAYFAIR

GDV at exit

£16.6m

GDV at exit

£18.0m

GDV at exit

£8.5m

Loan amount £9.1m

Loan amount

£3.2m

Loan amount

£1.2m

Loan type

Senior Bridge

Loan type

Mezzanine Bridge

Loan type

Mezzanine Exit

LTV at exit

55%

LTV at exit

73%

LTV at exit

69%

CAPITALRISE.COM

Catalyst W H O W E A R E : 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.

O U R E T H O S : 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 W H A T W E S P E C I A L I S E I N : Catalyst specialises in bridging, auction, refurbishment, development exit, development, commercial and specialist BTL. MEET THE TEAM: Josh Hawker

Ciaran Courtney

01202 112 909 josh.hawker@catalystpf.co.uk

07712 220 370 ciaran.courtney@catalystpf.co.uk

Oliver Jenkins

Lichelle Samra

01202 122 038 oliver.jenkins@catalystpf.co.uk

07593 011 644 lichelle.samra@catalystpf.co.uk

SENIOR INTERNAL BDM

BDM (SOUTH WEST)

SENIOR INTERNAL BDM

The Hive Wilson House 2 Lorne Park Road Bournemouth, Dorset BH1 1JN

48 | Lender Index

BDM (MIDLANDS)

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 Rolled, retained, serviced or part and part interest: 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

Lender Index | 49

Century Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Paul Munford

Archie Dickinson

0207 495 9191 paul@centurycapital.co.uk

0207 495 9191 07947 724 590 archie.dickinson@centurycapital.co.uk

Luke Navin

Freddie Munford

0207 495 9191 luke@centurycapital.co.uk

0207 495 9191 07818 518 150 freddie.munford@centurycapital.co.uk

CEO AND FOUNDER

ORIGINATION MANAGER

MANAGING DIRECTOR

2–4 Cork Street London W1S 3LG

50 | Lender Index

ORIGINATION MANAGER

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 Charges applied, subject to lender discretion interest 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

£250K to 25M

Min property value

£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

Lender Index | 51

Cohort Capital W H O W E A R E : Cohort Capital is a leading short-term real estate finance provider, delivering rapid, flexible funding across the UK property sector since 2019. Founded by debt finance specialist Matt Thame and investor Bal Sohal, we leverage over 100 years of combined experience. Backed by institutional and family office capital, we provide tailored bridging finance from £1m–100m. Our equity-based approach, private capital structure, and sector expertise allow us to assess both assets and sponsors, access off-market opportunities, and commit quickly, often closing deals in just over two weeks.

O U R E T H O S : Cohort Capital is a pragmatic, solutions-led lender focused on certainty, speed and execution. We take a commercially driven, common-sense approach, supporting both straightforward and complex transactions where challenges may sit with the borrower, asset or strategy. Decisions are made quickly and in-house, with terms issued directly from our investment committee and final approval from the founder. With no third-party funders or hidden constraints, we offer true discretion, flexibility, and certainty of execution, designing lending solutions around what borrowers actually need, not rigid criteria.

W H A T W E S P E C I A L I S E I N : Cohort Capital specialises in bespoke bridging finance, delivering fast, decisive funding with full credit-backed commitment. We focus on delivering tailored solutions and have the ability to consider assets, sponsors and strategies that sit outside a traditional lender’s requirements.

MEET THE TEAM: Matt Thame

Robert Pritchard

0207 659 4403 Matt.thame@cohortcapital.co.uk

07427 495 121 robert.pritchard@cohortcapital.co.uk

CEO AND CO-FOUNDER

CHIEF INVESTMENT OFFICER

Dipen Patel

CHIEF COMMERCIAL OFFICER

07885 523 760 dipen.patel@cohortcapital.co.uk

97 Park Lane London W1K 7TG

52 | Lender Index

cohortcapital.co.uk

enquiries@cohortcapital.co.uk

Product types Charges Funding model FCA regulated Interest range

Bridging and refurbishment 1st and 2nd Family offices, investors, institutional and proprietary capital no Bridging from 0.75% pm Refurbishment from 0.85% pm Fixed/variable interest Fixed or variable Treatment of interest & Retained or serviced default interest Default interest rates agreed on a case-by-case basis Sectors All residential and commercial sectors considered Max LTV 75% Max LTGDV 70% Max LTC 90% Min & max loan term 3-36 months Min & max loan size £1m-100m-plus Min property value No minimum Valuation retypes Yes Rental calculations & exposure Agreed on a case-by-case basis Geographical lending areas UK and Europe Types of valuation accepted Red book and re-types New builds Yes Heavy Refurb Yes Grade listed buildings Yes Green/Sustainable product No Planning permission needed Lending assessed on a current use value Commission rate Up to 2% Associations/Charters N/A Types of landlords accepted Individuals, UK and offshore corporate entities Upfront fees Yes Broker portal No Early redemption charges Agreed on a case-by-case basis Investment Yes Owner occupied No Electronic signatures accepted Yes Lending on land Yes

Lender Index | 53

PRODUCT GUIDE:

Fast. Flexible. Focused Funding.

At Cohort Capital, we specialise in short-term, unregulated residential and commercial bridging loans designed for property professionals. Our discretionary and private capital allows us to fund complex and time-sensitive transactions across the UK and Europe.

Product Snapshot

Loan Type

Loan Size

Rates

Residential and commercial loans

Loans from £1m - £100m +

Rates from 0.75% pm

Sector Type

Entity Type

Procuration Fees

All sectors considered

SPVs, offshore and non-domicile accepted

Up to 2% paid to brokers

54 | Lender Index

City Centre, Croydon

Park Tower, London

Hyde Park, London

Commercial

Hotel

Hotel

Loan: Purpose: Term: LTV:

£4.2m Acquisition 12 months 65%

Loan: Purpose: Term: LTV:

£348m Refinance 36 months 75%

Loan: Purpose: Term: LTV:

£20m Acquisition 12 months 64%

City Centre, Nottingham

Mayfair, London

St James’s, London

Hotel

Residential

Residential

Loan: Purpose: Term: LTV:

£5.3m Acquisition 12 months 68%

Loan: Purpose: Term: LTV:

£2.8m Acquisition 6 months 33%

Loan: Purpose: Term: LTV:

£14.3m Refinance 11 months 51%

Get In Touch

+44 (0)20 8135 0832

enquiries@cohortcapital.co.uk

cohortcapital.co.uk Lender Index | 55

DCI Finance W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Neal Roberts

Duncan Winsland

07889 211 327 neal@dcifinance.co.uk

07548 761 166 duncan.winsland@dcifinance.co.uk

Scott Parkinson

Sam Wilson

07518 910 494 scott@dcifinance.co.uk

07903 824 152 sam.wilson@dcifinance.co.uk

DIRECTOR

LOAN MANAGER

SENIOR LOAN MANAGER

42 Duke Street Formby, Merseyside L37 4AT

56 | The Index

BUSINESS DEVELOPMENT MANAGER

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 All interest bases offered (rolled, retained and interest 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

£100,000–£5,000,000

Min property value

£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

The Index | 57

When others say no, we say why not?

80%

0.79%

We empower developers and borrowers with custom financing solutions, delivering speed, flexibility, and a personal touch to achieve their boldest goals.

Find us online www.dcifinance.co.uk

Get in touch...

01704 338 877 contact@dcifinance.co.uk

Elite Lending W H O W E A R E : Elite Lending is a specialist lender providing unregulated bridging finance from £100,000 to £10m across England and Wales. We’re a privately funded company with a strong track record for speed, flexibility, and a hands-on approach. Most deals are completed within two weeks, with direct access to decision-makers and a streamlined process throughout. We do not charge upfront fees, setup costs, or exit fees. Default fees apply only in cases of breach. Our experienced team works closely with brokers and borrowers to deliver practical funding solutions without unnecessary delays.

O U R E T H O S : At Elite Lending, we prioritise clarity, speed, and reliability in every deal. As a privately funded lender, we have committed capital ready, enabling us to move without delay. We support projects with meaningful commercial and community impact where possible. Our team brings deep market experience and a pragmatic approach to lending, focusing on certainty of execution and long-term relationships. We don’t rely on buzzwords or bureaucracy, just straightforward, results-driven finance when timing and trust matter most.

W H A T W E S P E C I A L I S E I N : We specialise in residential and commercial bridging loans to support landlords and investors through refinancing, acquisition, auctions, or development exit. We provide a fast and relationship-driven process. Foreign nationals, expats, and individuals with poor credit histories, BMVs up to 100%, AVMs, and desktop valuations are considered.

MEET THE TEAM: Daniel Armani

Dr Masoud Ahmadi

dan@elitelending.co.uk 07907900011

masoud@elitelending.co.uk 020 8706 0789

DIRECTOR

Keltic Business Centre Unit 2 Cadbury Close, London, N20 9BD

60 | The Index

DIRECTOR

elitelending.co.uk

info@elitelending.co.uk

Product types

Bridging

Charges

1st

Funding model

Private and institution

FCA regulated

No

Interest range

Bridging from 0.95%

Fixed/variable interest

Fixed

Treatment of interest & default An additional 0.2% charged monthly to the interest agreed extension, higher rate capped at 3% Sectors

Residential, commercial, industrial, retail, PBSA, HMO

Max LTV

75% LTV, up to 100% BMV

Max LTGDV

N/A

Max LTC

N/A

Min & max loan term

1-18 months

Min & max loan size

£100,000-10m

Min property value

£200,000

Valuation retypes

Yes

Rental calculations & exposure Yes Geographical lending areas

England and Wales

Types of valuation accepted

AVMs, re-types, Red Book

New builds

Yes

Heavy Refurb

No

Grade listed buildings

Yes

Green/Sustainable product

Yes

Planning permission needed Yes Commission rate

Case by case

Associations/Charters

FIBA, NACFB

Types of landlords accepted

Limited companies/individual/first-time/portfolio

Upfront fees

No

Broker portal

Yes

Early redemption charges

No

Investment

Yes

Owner occupied

No

Electronic signatures accepted Yes Lending on land

Yes

The Index | 61

Fairbridge Capital W H O W E A R E : 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. O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Dalian Gill

Aman Bajwa

07792 366 433 dalian@fairbridgecapital.co.uk

07483 274 944 aman@fairbridgecapital.co.uk

DIRECTOR

85 Gresham Street London EC2V 7NQ

62 | The Index

DIRECTOR

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 Retained, serviced; default interest 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

£50,000–£5,000,000

Min property value

£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

The Index | 63

Finanze Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Alastair Hoyne

Djenny Munene

0208 058 5389 agh@finanzecapital.com

0208 058 5389 dfm@finanzecapital.com

Ann-Marie Fowler

James Gutierrez

0791 653 3547 anf@finanzecapital.com

jg@finanzecapital.com

CHIEF EXECUTIVE OFFICER

CASE MANAGER

ASSOCIATE DIRECTOR, LENDING

124 City Road London EC1V 2NX

64 | Lender Index

finanzecapital.com

SENIOR ASSOCIATE, LENDING

info@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 Retained, Part Retained, Rolled & Serviced (facility dependent). Default interest of 1.5% on top of standard rate. interest: Sectors: Max LTV: Max LTGDV: Max LTC: Min & max loan term: Min & max loan size: Min property value: Valuation retypes: Rental calculations & exposure: Geographical lending areas: Types of valuation accepted: New builds: Heavy Refurb: Grade listed buildings: Green/sustainable product: Planning permission needed: Commission rate: Associations/Charters: Types of landlords accepted: Upfront fees: Broker portal: Early redemption charges: Investment: Owner occupied: Electronic signatures accepted: Lending on land:

Residential, Semi-Commercial & Commercial (facility dependent) Up to 85% OMV up to 90% of Purchase Price Up to 75% and up to 15% Day 1 Works Drawdown Up to 95% 3 months to 24 months (facility dependent) £50,000 - £150m No minimum property value, but subject to minimum loan size of £50,000 Yes ICR for serviced facilities from property/wider income.

England & Wales. Scotland above £3m and Republic of Ireland above €3.5m AVMs up to £2m property value, Red Book, Re-address Yes – however we don’t offer ground up development Yes Yes (facility dependent) Yes Yes, where relevant for works 1% increasing to 1.5% after 3 completed transactions NACFB Patron Individuals (21-70), LTD, LLP, PLC, Trusts – first time borrowers allowed No No – coming soon No – minimum lending term of 3-6 months (facility dependent) Yes No – except where it’s a corporate owner occupier Yes (document dependent) Yes – with planning, over £10m in Southern England

Lender Index | 65

Funding 365 W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Mike Strange

Paul Weitzkorn

0203 950 5280 michael.strange@funding-365.com

0203 950 5280 paul.weitzkorn@funding-365.com

Allegra Sykes

Calum Waite

0203 950 5276 allegra.sykes@funding-365.com

0203 950 5277 calum.waite@funding-365.com

Jon Brooks

Katie Spitz

0203 950 5282 jon.brooks@funding-365.com

020 3950 5281 katie.spitz@funding-365.com

MANAGING DIRECTOR

DIRECTOR

HEAD OF RELATIONSHIP MANAGEMENT

HEAD OF FINANCE

1-2 Paris Garden London SE1 8ND

66 | Lender Index

HEAD OF UNDERWRITING

DEPUTY HEAD OF UNDERWRITING

funding-365.com

underwriting@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 Retained and serviced; reviewed on a case-by-case basis interest: 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

Lender Index | 67

Hampshire Trust Bank W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Alex Upton

Neil Leitch

Specialist Mortgages and Bridging Finance 0207 886 4718 alex.upton@htb.co.uk

0113 360 3271 neil.leitch@htb.co.uk

Andrea Glasgow

Scott Apps

MANAGING DIRECTOR

SALES DIRECTOR, SPECIALIST MORTGAGES AND BRIDGING FINANCE

0207 886 4718 andrea.glasgow@htb.co.uk

80 Fenchurch Street London EC3M 4BY

68 | The Index

htb.co.uk

MANAGING DIRECTOR, DEVELOPMENT FINANCE

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 Rolled, retained and serviced; default interest charged interest only where contractually agreed, capped and transparent Sectors

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

£100,000–£35 million

Min property value

£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

The Index | 69

Hilco Real Estate Finance W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Sean Adams

Steve Allen

sadams@hilcoglobal.com 07968 553341

sallen@hilcoglobal.com 07907 355 035 003

Jamie Jolly

Alexey Shokhin

jjolly@hilcoglobal.com 07305 309648

ashokhin@hilcoglobal.com 07984 748 773

MANAGING DIRECTOR

MANAGING DIRECTOR

20 North Audley Street Mayfair, London W1K 6WE

70 | Lender Index

DIRECTOR

SENIOR BUSINESS DEVELOPMENT CONSULTANT

hilcoglobal.com/companies/ hilco-real-estate-finance/

info@hilcoglobal.com

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 can be rolled, retained or serviced, or a interest 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

Lender Index | 71

Ingenious W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : Ingenious specialises in stetch senior bridging and development finance. Complex deals are welcome.

MEET THE TEAM: Andrew Lipscombe

Dimitriy Williamson

07709 357 808 Andrew.Lipscombe@theingeniousgroup.co.uk

07511 726 393 dimitriy.williamson@theingeniousgroup.co.uk

INVESTMENT DIRECTOR

INVESTMENT DIRECTOR

Howard Sefton

SENIOR INVESTMENT DIRECTOR

07960 916 550 Howard.Sefton@theingeniousgroup.co.uk

7th Floor Parcels Building 14 Bird Street, London W1U 1BU

72 | The Index

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 Typically, coupon is rolled; default interest interest rate is normally 3% pa Sectors

Residential, commercial, land without planning and industrial

Max LTV

75%

Max LTGDV

75%

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

The Index | 73

Inhale Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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

74 | The Index

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 can be retained, part retained or serviced; interest 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

The Index | 75

KHK Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Dov Ezekiel

Stuart Boag

07523 698 122 dov@khkcapital.co.uk

Email: stuart@khkcapital.co.uk

BUSINESS DEVELOPMENT MANAGER

7 Stratford Place London England W1C 1AY

76 | Lender Index

khkcapital.co.uk

HEAD OF UNDERWRITING

office@khkcapital.co.uk

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 Rolled, retained and serviced interest: 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

Lender Index | 77

Kuflink W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Ranjit Narwal

Mikie Butcher

07736388541 r.narwal@kuflink.com

07526065105 m.butcher@kuflink.com

Dan Belcher

Maisie Kemp

07494625074 d.belcher@kuflink.com

01474 334488 m.kemp@kuflink.com

HEAD OF ORIGINATION

BUSINESS DEVELOPMENT MANAGER

INTERNAL SALES MANAGER

SALES SUPPORT OFFICER

Joshua Spratt SALES SUPPORT

01474 334488 j.spratt@kuflink.com

21 West Street Gravesend Kent DA11 0BF

78 | Lender Index

kuflink.com/borrow/ bridging-finance

sales@kuflink.com

Product types: Charges: Funding model: FCA regulated: 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: Rental calculations & exposure: Geographical lending areas: Types of valuation accepted: New builds: Heavy Refurb: Grade listed buildings: Green/sustainable product: Planning permission needed: Commission rate: Associations/Charters: Types of landlords accepted: Upfront fees: Broker portal: Early redemption charges: Investment: Owner occupied: Electronic signatures accepted: Lending on land:

Bridging, light refurbishment and heavy refurbishment lending (unregulated lending) 1st, 2nd and equitable Peer to peer Yes Bridging from 0.89%; development from 1.18% Fixed Retained interest; default charged at 2% above standard rate.

Residential, semi-commercial, commercial, HMO, development, land with full planning and PBSA 75% 70% 85% 6–24 months £100,000 to £1m (>£1m by referral) £150,000 (less may be considered by referral) Yes N/A England, Wales and mainland Scotland AVMs, desktop (semi-commercial and commercial), retypes, Red Book and short form Yes Yes Yes No Yes Up to 2% NACFB, ASTL and BDLA Limited companies, individual, first-time and portfolio No No Yes Yes No Yes Yes, with full planning permission

Lender Index | 79

LendInvest W H O W E A R E : 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.

O U R E T H O S : 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/.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Daryl Sabatini

Michael Minnie

0203 846 6886 daryl.sabatini@lendinvest.com

0203 846 6886 michael@lendinvest.com

Mia Colgan

Lauren Bridgman

0203 846 6886 mia.colgan@lendinvest.com

0203 846 6886 lauren.bridgman@lendinvest.com

BUSINESS DEVELOPMENT MANAGER

BRIDGING BDM

4-8 Maple Street London W1T 5HD

80 | Lender Index

HEAD OF SALES FOR BRIDGING

BRIDGING BDM

lendinvest.com

enquiries@lendinvest.com

Product types Charges Funding model

Bridging, development, BTL and term 1st; 1st and 2nd combined for regulated bridging only Alternative property finance platform funded by public and private securitisation, luxembourg funds, forward flows, HNWs & listed bonds.

FCA regulated Yes Interest range Bridging from 0.82%; refurbishment GDV from 0.99%; development 5.5% + BBR Fixed/variable interest Bridging: fixed; development: variable Treatment of interest & default Rolled, retained and serviced; eg additional 0.5% charged daily, automatic extension then interest charged daily; interest higher rate capped at 2.5% Sectors Residential mainly; semi-commercial, commercial and land on short-term lending side Max LTV Bridging: 85% Max LTGDV Development: 70% Max LTC 85% Min & max loan term Bridging: 3–12 months; development: 3–24 months Min & max loan size Bridging: £75,000; development: 1m - £20m Min property value 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

Lender Index | 81

Market Financial Solutions W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : We specialise in bespoke, short-term bridging finance for property-related investments as well as specialist BTL mortgages for landlords.

MEET THE TEAM: Paresh Raja

Karen Rodrigues

02070 601 234 paresh@mfsuk.com

07377 435 790 0207 060 1234 karen.rodrigues@mfsuk.com

Jack Warner

Omkar Hushing

CEO

CHIEF SALES OFFICER

CHIEF MORTGAGE OFFICER

HEAD OF BUY-TO-LET AND SPECIALIST LENDING UNDERWRITING

0207 060 1234 07974 387 120 jack.warner@mfsuk.com

46 Hertford Street Mayfair London W1J 7DP

82 | Lender Index

0207 060 1234 07494 799 778 omkar@mfsuk.com

mfsuk.com

info@mfsuk.com

Product types Charges Funding model FCA regulated 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 Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees

Bridging loans and BTL mortgages 1st and 2nd Funding secured from multiple institutional investors No 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 BTL ICR from 125% England, Wales and Singapore Long form and Red Book Yes No Yes No Yes Bridging from 1.1%; BTL from 1% NACFB, FIBA, BDLA and UK Finance Limited companies, individuals, first time and portfolio Yes

Broker portal

No

Early redemption charges

Yes

Investment

Yes

Owner occupied

Yes; commercial BTL

Electronic signatures accepted Lending on land

No no

Lender Index | 83

Maslow Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Mark Posniak

Adam Baghdadi

Short-Term Finance (UK and Europe) 07561 873 415 mark.posniak@maslowcapital.com

07395 877 372 adam.baghdadi@maslowcapital.com

MANAGING DIRECTOR

HEAD OF LENDING SOLUTIONS (UK AND EUROPE)

Emma Burke

MANAGING DIRECTOR

Development Finance (UK and Europe) 07500 947 362 emma.burke@maslowcapital.com

15 Golden Square London W1F 9JG

86 | The Index

maslowcapital.com

info@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

Rates from 0.65% pm

Fixed/variable interest

Fixed and variable

Treatment of interest & default Flexible, including retained, rolled, serviced and deferred interest Sectors

Residential, development, industrial, retail, hospitality, PBSA and HMO

Max LTV

75%

Max LTGDV

70%

Max LTC

90%

Min & max loan term

1 month–5 years

Min & max loan size

£300,000–£750m

Min property value

£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

The Index | 87

Masthaven W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Claire Newman

Ginny Warby

0208 910 8713 Claire.Newman@masthaven.co.uk

07939 580 401 Ginny.Warby@masthaven.co.uk

Jim Baker

Tony Grillo

07870 842 613 Jim.Baker@masthaven.co.uk

07496 990 116 Tony.Grillo@masthaven.co.uk

DIRECTOR OF BRIDGING AND DEVELOPMENT

SALES DIRECTOR—BRIDGING AND DEVELOPMENT

3 Theobald Court Theobald Street Borehamwood WD6 4RN

90 | The Index

masthaven.co.uk

SENIOR BUSINESS DEVELOPMENT MANAGER

SENIOR BUSINESS DEVELOPMENT MANAGER

enquiries@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 Rolled for regulated; retained for unregulated; interest extension fee is 1% for serviced and 1.5% for rolled Sectors

Residential, development and commercial

Max LTV

75%

Max LTGDV

70%

Max LTC

100%

Min & max loan term

1–12 months regulated; 1–18 months unregulated and CBTL

Min & max loan size

£50,000 –£3,000,000 (higher by referral)

Min property value

£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)

The Index | 91

MS Lending Group W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Jamie Pritchard

Adam Tauber

jamiepritchard@mslendinggroup.co.uk 07775 108809

adamtauber@mslendinggroup.co.uk 07778 638440

Tom Herbert

Daniel Smith

tomherbert@mslendinggroup.co.uk 07586 552179

danielsmith@mslendinggroup.co.uk 07353 150650

Junior Borland

Ash Kendall

juniorborland@mslendinggroup.co.uk 07353 150600

ashkendall@mslendinggroup.co.uk 07353 150662

HEAD OF SALES

HEAD OF BROKER RELATIONS

RELATIONSHIP MANAGER (NORTH)

RELATIONSHIP MANAGER (MIDLANDS)

Sandfield House Water Lane Wilmslow, Cheshire SK9 5AR

92 | Lender Index

mslendinggroup.co.uk

RELATIONSHIP MANAGER (LONDON & THESOUTH)

SALES SUPPORT

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 Options of fully retained, part services, part retained and interest: 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

Lender Index | 93

FAST, FLEXIBLE & RELIABLE BRIDGING FINANCE

<£ NO MINIMUM LOAN SIZE

VAL

NO VALUATIONS

DESKTOP VALUATIONS

TERMS WITHIN 2 HOURS

2

ND

DIRECT ACCESS TO DECISION MAKERS

DUAL REP AVAILABLE

LET’S WORK TOGETHER!

SECOND CHARGES AVAILABLE

SIMPLE APPLICATION PROCESS SAME DAY INSTRUCTION 86% OF LOANS IN 2024 FUNDED WITHOUT A FULL VALUATION 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

ENQUIRIES@MSLENDINGGROUP.CO.UK 0161 823 7993 WWW.MSLENDINGGROUP.CO.UK

MSP Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Adam Tovey

Chris Sheppard

a.tovey@mspcapital.co.uk

c.sheppard@mspcapital.co.uk

Arian Manouchehri

Mike Townsend

a.manouchehri@mspcapital.co.uk

m.townsend@mspcapital.co.uk

COMMERCIAL DIRECTOR

HEAD OF UNDERWRITING

HEAD OF SALES & ORIGINATIONS

Strata House 12-14 Castle Street Poole, BH15 1BQ

96 | The Index

mspcapital.co.uk

BUSINESS DEVELOPMENT MANAGER

Info@mspcapital.co.uk

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest & default interest

Bridging and development loans 1st and 2nd; 2nd for bridging loans only Institutional, equity and HNW No 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) Sectors Assets including residential, commercial and industrial Max LTV Up to 70% for development loans; up to 75% for bridging loans Max LTGDV Up to 70%, depending on the type of loan Max LTC Up to 90% Min & max loan term Up to 24 months for development loans; Up to 12 months for bridging loans Min & max loan size £75,000–£10m Min property value £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)

The Index | 97

MVC Development Finance Ltd W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Jon Mann

Pauline Biscoe

01277 351 860 jon.mann@mvcfinance.co.uk

01277 351 860 pauline.biscoe@mvcfinance.co.uk

HEAD OF OPERATIONS

The Old Dairy Radley Green Farm Radley Green Farm Road Ingatestone, Essex CM4 0LU

98 | The Index

MANAGER—EXECUTIVE SUPPORT

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 Rolled, quarterly interest 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

The Index | 99

Octane Capital W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Jonathan Samuels

Matt Smith

0345 222 9009 jonathan@octanecapital.co.uk

07813 577 584 matt@octanecapital.co.uk

Richard Deacon

Josh Knight

07817 822 554 richard.deacon@octanecapital.co.uk

07741 591 922 josh@octanecapital.co.uk

CEO

DIRECTOR OF CREDIT

MANAGING DIRECTOR (SALES)

Haskell House 152 West End Lane London NW6 1SD

100 | Lender Index

octanecapital.co.uk

SALES AND MARKETING DIRECTOR

deals@octanecapital.co.uk

Product types Charges Funding model FCA regulated 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 Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted

Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Bridging, refurbishment and developer exit finance 1st Octane are a JV with our funding line, an asset management firm with substantial assets under management No Bridging and developer exits loans from 0.73% per month (BBR linked), refurbishment loans from 0.76% per month (BBR linked).

Variable: linked to BBR 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 75% for bridging and developer exits, 75% net day one for refurbishments 70% 80% 6–24 months £175,000–£20,000,000 £200,000 but with flexibility if the minimum loan size is met Yes N/A Mainland England Red Book and retypes Yes Yes No No No Up to 2% No Most borrower profiles acceptable: individuals, limited companies, offshore companies, trusts, foreign nationals, expats, first-time buyers/landlords and first-time developers No Yes No Yes No Yes, at application stage. Wet signatures needed for the loan documents Yes, with full planning permission at lower LTVs

Lender Index | 101

Ortus Secured Finance W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Jamie Russell

Matt Boggan

07741 196 308 jamie@ortussecuredfinance.co.uk

07775 096 565 matt.boggan@ortussecuredfinance.co.uk

Mel Howard

Richard King

RELATIONSHIP MANAGER – MIDLANDS & WALES

RELATIONSHIP MANAGER – NORTH WEST

07467 188 508 mel.howard@ortussecuredfinance.co.uk

07388 993 985 rking@ortussecuredfinance.co.uk

DIRECTOR – LONDON & SOUTH EAST

Nations House 103 Wigmore Stree London, W1U 1QS

102 | The Index

ortussecuredfinance.co.uk

RELATIONSHIP MANAGER – NORTH EAST, YORKSHIRE & SCOTLAND

enquiries@ortussecuredfinance. co.uk

Product types

Bridging, BTL and term

Charges

1st and 2nd (2nd charge only where makeweight security)

Funding model

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 Can be serviced, retained, part-retained or interest roll-up. interest Sectors

Hotels and leisure assets, Care homes, Holiday lets, Industrial / Warehouses, Office, Retail, Semi commercial / mixed use, Portfolios, Residential

Max LTV

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

The Index | 103

Precise W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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

104 | Lender Index

precisemortgages.co.uk

enquiries@precisemortgages. co.uk

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest & default interest Sectors Max LTV

Regulated and non-regulated bridging 1st and 2nd for additional securities Retail Deposits Yes Refer to website Refer to website Refer to website

Residential, BTL and bridging Typical maximum 75%. Please refer to your account manager.

Max LTGDV Product type dependant – refer to website Max LTC Product type dependant – refer to website Min & max loan term Minimum term 1 month, Maximum term 12 months (regulated), 18 months (unregulated) Min & max loan size Typical minimum loan £50K. Please refer to your account manager for less. No maximum Min property value £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

Correct as at June 2024

Lender Index | 105

Notes:

NOT ALL BRIDGING LENDERS ARE THE SAME. Fast. No frills. No fuss.

Great value bridging.

Intermediaries only.

Recognise Bank W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : Recognise Bank specialises in bringing bespoke, short-term funding solutions to meet the needs of property investors, owner-occupiers and developers.

MEET THE TEAM: Caroline Luxmore

Heather Mitchell

07913 029 451 caroline.luxmore@recognisebank.co.uk

07867 445 418 heather.mitchell@recognisebank.co.uk

Mike Doxford

Luke Beirne

07502 261 922 mike.doxford@recognisebank.co.uk

07353 003 085 luke.beirne@recognisebank.co.uk

CHIEF COMMERCIAL OFFICER

LENDING MANAGER

SENIOR LENDING MANAGER

Henry Thomas House 5-11 Worship Street London, EC2A 2BH Suite 419, Blackfriars House Parsonage, Manchester, M3 2JA

108 | The Index

SENIOR LENDING MANAGER

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 Retained or serviced interest 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

£250,000–£7.5m

Min property value

£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

The Index | 109

Somo W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : Somo specialises in second-charge and equitable-charge loans. Our Valuation Only product is specialised for borrowers without proof of clean credit or income.

MEET THE TEAM: Louis Alexander

Jade Keval

0161 312 5656 louis@somo.co.uk

07564 502 171 jade.keval@somo.co.uk

CEO

SALES DIRECTOR

Rob Johnson

UNDERWRITING DIRECTOR

0161 312 5656 rob.johnson@somo.co.uk

St John’s House Barrington Road Altrincham WA14 1JY

110 | Lender Index

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 Retained, serviced and amalgamation of retained and serviced interest 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

Lender Index | 111

Spector Constant & Williams W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Richard Spector

Alun Williams

Tel: +44 (0)20 7269 5120 Email: richard.spector@scwlegal.co.uk

Tel: +44 (0)20 7269 5120 Email: alun.williams@scwlegal.co.uk

George Constant

Natalie Toffis

Tel: +44 (0)20 7269 5120 Email: george.constant@scwlegal.co.uk

Tel: +44 (0)20 7269 5120 Email: natalie.toffis@scwlegal.co.uk

PARTNER

PARTNER

PARTNER

4th Floor 75 Wells Street London W1T 3QH

112 | The Index

PARTNER

scwlegal.co.uk

reception@scwlegal.co.uk

+44 (0)20 7269 5120 scwlegal.co.uk

TFG Capital W H O W E A R E : 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.

O U R E T H O S : TFG provides straightforward bridging finance based solely on security values, which enables businesses to access quick finance for whatever their immediate requirements are.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: James Mortimore

Luke Flanagan

MANAGING DIRECTOR

MANAGER—NATIONAL BROKERS AND INTERNAL SALES TEAM

07917 337 853 james@tfgcapital.co.uk

07395 791 275 luke@tfgcapital.co.uk

Andrew Hunt

OPERATIONS DIRECTOR

07708 344 653 andrew@tfgcapital.co.uk

17 Jetstream Drive Doncaster DN9 3QS

114 | The Index

tfgcapital.co.uk

sales@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 Serviced and retained; standard default rate 3% interest 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

The Index | 115

The Property Box Loan Company W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Michael Chicken

Emon Martin

0207 292 8808 07785 580 412 mjc@merchantplace.co.uk

07428 608 428 emonmartin@propertyboxloan.co.uk

DIRECTOR

NEW BUSINESS MANAGER

Scott Arnot

BUSINESS DEVELOPMENT DIRECTOR

0207 292 8810 07775 667 242 scottarnot@propertyboxloan.co.uk

4 Newburgh Street London W1F 7RF

116 | Lender Index

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 Rolled; default charged at 4% pa above current rate interest 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

Lender Index | 117

Together W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Tanya Elmaz

DIRECTOR OF INTERMEDIARY SALES

07903 557 898 tanya.elmaz@togethermoney.com

Michelle Walsh

HEAD OF INTERMEDIARY SALES – COMMERCIAL FINANCE

07922 573 663 michelle.walsh@togethermoney.com

Nick Parker

Maeve Ward

07843 804 029 nick.parker@togethermoney.com

07596 883 479 maeve.ward@togethermoney.com

HEAD OF NETWORKS AND CLUBS

Lake View Lakeside Cheadle Cheshire SK8 3GW

118 | Lender Index

togethermoney.com/ intermediaries

HEAD OF INTERMEDIARY SALES - PERSONAL FINANCE

newbusiness@togethermoney. com

Product types

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 Charges First and second Funding model A diversified funding structure combining listed bonds, private and public securitisations, revolving credit facility and shareholder funds FCA regulated Yes Interest range Unregulated Bridging from 0.91%; Regulated Bridging from 0.74%; Buy to Let from 6.09%; commercial term from 8.64% Fixed/variable interest Fixed and variable Treatment of interest & default Retained or serviced interest Sectors 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 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) Min & max loan size 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

Lender Index | 119

Your clients’ property finance needs under one roof.

• Forecasted income accepted • First-time property investors considered • Non-UK and foreign nationals welcome • First and second charge available* • Flexible on larger loans Bridging | Commercial Term | Buy to Let Semi-commercial | Homeowner Business Loans Contact the team today

03300 299 450

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 For professional intermediary use only

Topland W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Daniel Eastwood

Ryan Smith

0203 835 8596 daniele@topland.co.uk

0203 835 8619 ryans@topland.co.uk

Anish Vora

David Sanderson

0203 835 8591 anishv@topland.co.uk

0207 518 5006 davids@topland.co.uk

ORIGINATOR

HEAD OF ACQUISITIONS

ORIGINATOR

7th floor 105 Wigmore Street London W1U 1QY

122 | The Index

INVESTMENT DIRECTOR

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 Rolled, retained and serviced; reviewed interest on a case-by-case basis Sectors

Residential and commercial

Max LTV

80%

Max LTGDV

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

The Index | 123

United Trust Bank W H O W E A R E : 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.

O U R E T H O S : 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/.

W H A T W E S P E C I A L I S E I N : We concentrate on residential mortgages, residential second charges, BTL, regulated and unregulated bridging finance, and structured and development finance.

MEET THE TEAM: Paula Purdy

Neil O’Shea

SALES DIRECTOR, BRIDGING

BUSINESS DEVELOPMENT DIRECTOR – STRUCTURED PROPERTY SOLUTIONS

07825 720 616 ppurdy@utbank.co.uk

07785 447 158 NOshea@utbank.co.uk

Paul Turton

DIRECTOR - BUSINESS DEVELOPMENT & MARKETING – PROPERTY

Caroline Mirakian

07887 716 015 pturton@utbank.co.uk

07825 720 586 cmirakian@utbank.co.uk

One Ropemaker Street London EC2Y 9AW

124 | Lender Index

utbank.co.uk

SALES & MARKETING DIRECTOR – MORTGAGES

hello@utbank.co.uk

Product types Charges Funding model FCA regulated 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 Rental calculations & exposure

Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Bridging, development, residential 1st and 2nd charge , BTL and structured finance 1st and 2nd Deposit funded Yes 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 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 England, Wales and Scotland; development and BTL in England and Wales only AVMs, drive by, full, and short and long form Yes Yes Yes No Yes Varies by product; please call to discuss ASTL, FIBA and NACFB Varies by product Valuation and legal for bridging and residential Yes No for bridging; yes for BTL and residential Yes Yes for bridging and residential; no for BTL and development Yes for certain items For bridging, will consider land with planning permission; for BTL and residential, will not lend against land alone

Lender Index | 125

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.

Watch our brand video to learn more.

Asset Finance Bridging Finance Buy-To-Let Mortgages Property Development Finance Structured Property Finance

We go further so you can too

Notes:

128 | The Index

A S T R O N G F O U N D AT I O N S TA R T S W I T H T H E R I G H T PA RT N E R S H I P BRINGING DEVELOPERS, INVESTORS & LENDERS T O G E T H E R , S E A M L E S S LY

D E B T & E QU I TY FU ND I NG S OLU TION S LAND OPPOR TU NI TI E S / PAR T B U I LT S C H E ME S / R E S IDEN TIAL IN VESTMEN T AFFORDAB LE H OU S I NG / A S S E T MANAG E ME NT / JOIN T VEN TURES

JONATHA N VAND E R MOLE N 0783 150 9965 jv@vandermolenre.co.uk

A DAM BREW S 0755 520 1428 ab@vandermolenre.co.uk

VANDERMOLENRE.CO.UK

West One Loans W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Tom Cantor

Paul Huxter

0203 928 1822 Thomas.Cantor@westoneloans.co.uk

0203 927 0022 Paul.Huxter@westoneloans.co.uk

HEAD OF BRIDGING FINANCE

HEAD OF INTERMEDIARY SALES AND DISTRIBUTION

Guy Murray

HEAD OF DEVELOPMENT FINANCE

0208 736 2268 Guy.Murray@westoneloans.co.uk

The Edward Hyde Building 38 Clarendon Road Watford WD17 1JW

130 | Lender Index

westoneloans.co.uk

sales@westoneloans.co.uk

Product types Charges Funding model FCA regulated Interest range

Bridging, development, BTL and residential 1st and 2nd Capital markets, institutional and private funding Yes 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 Bridging: retained, serviced; default interest charged at double reduced rate; dev: rolled interest interest Sectors Max LTV Max LTGDV Max LTC Min & max loan term Min & max loan size

All Bridging 75%; dev: 70%; BTL: 80%; BTL (2nd charge): 75% 65% 85% 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) Min property value Bridging: £100,000; BTL: £90,000; dev min GDV: £1.5m Valuation retypes 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 Bridging: no; dev: yes; BTL: yes Commission rate 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

Lender Index | 131

Notes:

132 | Lender Index

Whitehall Lending W H O W E A R E : 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.

O U R E T H O S : 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.

W H A T W E S P E C I A L I S E I N : 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.

MEET THE TEAM: Anthony Bodenstein

Mev Mirza

0203 026 7437 anthony@whitehalllending.com

0203 026 7437 mev@whitehalllending.com

Gabriele Pascazio

Oliver Foskett

0203 026 7437 gabriele@whitehalllending.com

0203 026 7437 oliver@whitehalllending.com

MANAGING DIRECTOR

BUSINESS DEVELOPMENT MANAGER

VICE PRESIDENT

49 Grosvenor Street Mayfair, London W1K 3HP

134 | Lender Index

CHIEF OPERATING OFFICER

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

Retained and serviced; default interest charged at 2% pm on top of the agreed interest rate

Sectors

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

Lender Index | 135





 

Interest rate ≤0.70% pcm Interest rate ≥0.70% pcm 









 



















































  

Max LTV ≤75%



Max LTV ≥75%





England, Scotland, Wales ESW

ESW

ESW

EW

ESW

EW

ESW

ESW

EW

ESWNI

EW

New builds























Heavy Refurb





















Grade listing buildings

























Green/sustainable offering Planning permission needed

























Upfront fees













Broker portal Early redemption charges















Investment







Owner occupied







Electronic signatures accepted







136 | Lender Index

  

  





















ESW

ESW

EW

E

EW





























 

 











 

Lending on land



Catalyst



CapitalRise



 

FCA regulated



Buzz Capital





Bluecroft Finance

2nd charge



BloomSmith



Blend Network



Blackfinch



Black & White Bridging

Atelier



Beaufort Capital

Aspen Bridging



Beaufort Bridging

Alternative Bridging Corporation

1st charge

Avamore Capital

Allica Bank

in partnership with

Albatross

Lender Matrix





































 







 







Market Financial Solutions

Maslow Capital

2nd charge

 



 





Interest rate ≤0.70% pcm Interest rate ≥0.70% pcm  Max LTV ≤75%

  



FCA regulated

 

   

Max LTV ≥75%





 



  



 



   

LendInvest

Ingenius



Kuflink

Hilco Real Estate Finance

     

KHK Capital

Hampshire Trust Bank



Inhale Capital

Funding 365

 

Elite Lending



DCI Finance

    

Cohort Capital

1st charge

Century Capital

Finanze

in partnership with

Fairbridge Capital

Lender Matrix





      



   







England, Scotland, Wales

EW

New builds

    



 



     



Heavy Refurb

    



 







   



 



     









Grade listing buildings

EW

EW

Green/sustainable offering Planning permission needed

 

Upfront fees

  

EW

ESW ESWROI EWNI



 





     

Owner occupied

EW

EW

ESWNIROI



 

ESW

EW

ESW ESW

  

 

Early redemption charges Investment

ESWNIROI





Broker portal

EW

   

 









 



    



 





 

 

Electronic signatures accepted

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Lending on land

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Lender Index | 137

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Interest rate ≤0.70% pcm Interest rate ≥0.70% pcm  Max LTV ≤75%

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Whitehall Lending

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West One

FCA regulated

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United Trust Bank

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Topland

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Together

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The Property Box Loan Company

2nd charge

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TFG Capital

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Somo

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Recognise Bank

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Precise

MVC Development Finance

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Ortus Secured Finance

MSP Capital

1st charge

Octane Capital

MS Lending

in partnership with

Masthaven Finance

Lender Matrix

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Max LTV ≥75%

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England, Scotland, Wales ESW

ESW

EW

EW

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ESWNI

ESW

ESW

EW

ESW

ESW

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ESWNI

ESW

ESW

EW

New builds

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Heavy Refurb

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Grade listing buildings

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Green/sustainable offering Planning permission needed Upfront fees

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Owner occupied

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Electronic signatures accepted

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Lending on land

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Investment

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Early redemption charges

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Broker portal

138 | Lender Index

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Notes:

� L·: . ��

-= � ' �

/y . 0) �

L1Vup to75%

Self-funded. Providing certainty of execution

5-7 days on closing 24 hours on decision

Efficiency & speedy turnarounds

Loan amount £100,000 to £20m

Providing residential and commercial loans

Interest from 0.99% per month

Flexible pricing

Term length 3-12 months

Cooperative & transparent relationship with customers

If you're seeking a dynamic bridging finance lender, please do contact Whitehall Lending, to explore how we can support your needs.

@ www.whitehalllending.com @) info@whitehalllending.com @ 0203 026 7437

@ 4 Hill Street, Mayfair, London, WlJSNE