Specialist property lender · England, Wales & Scotland

Short-term property finance, underwritten by the people who decide.

We fund bridging, refurbishment and development exit facilities from £150,000 to £10 million. No credit committee queue, no broker-chain guesswork — a direct answer on your deal, usually the same working day.

Facility range
£150k – £10m
Loan to value
Up to 75%
Typical term
3 – 24 months
Indicative terms
Same day

Figures are indicative maximums for illustration. All lending is subject to underwriting, valuation and credit approval; criteria are guidelines, not entitlements.

Illustrative cost calculator

Model a facility before you pick up the phone.

Move the sliders to see how gross loan, retained interest and net advance interact. It is a working illustration, not a quotation.

£1,200,000
65%
0.89% pcm
12 months
Gross facility
£780,000
Arrangement fee (2%)£15,600
Interest per month£6,942
Interest retained (12 months)£83,304
Indicative net advance£681,096
Redemption amount at term£780,000

Illustration only. Assumes interest retained for the full term and a 2% arrangement fee; it excludes valuation, legal, title insurance and any exit or broker fees. Figures are not a quotation or an offer of finance and will change following underwriting and valuation.

Finance solutions

Residential bridging

Chain breaks, auction purchases and below-market-value acquisitions on non-owner-occupied stock.

Refurbishment finance

Light and heavy works funded with staged drawdowns released against surveyor sign-off.

Development exit

Refinance a completed scheme onto cheaper terms while units are sold or let.

All finance solutions
Why borrowers come back

Principal lender

We lend our own capital, so the credit view you get on day one is the one that completes.

Underwriter on every call

You speak to the person writing the credit paper — not a call handler reading a criteria grid.

Complexity is normal here

Part-built schemes, mixed tenure, corporate structures, second charges behind a cooperative first — we will tell you quickly if it is not for us.

Have a deal on a deadline? Send it over and we will give you a straight answer.