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The
Think
Family

We are a private debt group providing simple and fast property loans.

As a lender, we think it is crucial to know why we do what we do. You can find out more here, but these are our “Whys”:

1. We aim to support hundreds of entrepreneurial developers create dream properties for renters or buyers

2. We aim to give investors a decent return on their hard-earned money, including many of our team members, well beyond typical bank deposit rates

3. We aim to give bright, energetic, ethical people a chance at a new career as we build our team outside of normal hiring routes for careers in finance

4. We will give 10% of our pre-tax profits to worthy causes in our communities - to find out more, check out our Think Further page

How
We
Think

Property lending can be overly slow and complex when it doesn’t need to be! We think too many borrowers get let down by lenders that treat them like underwriting checklists rather than partners.

We think differently. Our aim is to see every borrower succeed, so we take a pragmatic approach to lending to help get loans over the line, using our extensive property expertise to curate loans that meet each borrower’s needs.

Nobody goes into a property deal expecting issues, but we all know they can arise. We always look to work with our borrowers to find solutions to tricky situations, from restructuring loans to giving generous extension terms to help when projects get delayed.

Why Borrow With Us

Speed

We regularly complete loans in under 10 working days. We deliver on speed when others can't.

Service

Whoever you want to speak to - and at any point in the loan process - we're only a phone call away. Many borrowers choose us for our customer service because we take a truly personal approach to lending, tailored specifically to each borrower and broker.

Simplicity

Property finance doesn't need to be complicated, so we keep things simple! From inquiry all the way to completion and redemption, our process is straightforward and easy to follow.

Security

Unlike other lenders, we lend with our own money. This means we're aligned with you to see you succeed. Other lenders put burdensome covenants into their loan agreements which could lead to funding being pulled at any time. We don't.

Meet Our Team

Justin is the founder and director of the company, which he started back in 2014. He works across all departments, providing the team with ways to make Think bigger and better. He enjoys splitting his time between the UK and the USA, preferring the latter for the warmer weather.

Justin Stewart

Founder & CEO

Justin is the founder and director of the company, which he started back in 2014. He works across all departments, providing the team with ways to make Think bigger and better. He enjoys splitting his time between the UK and the USA, preferring the latter for the warmer weather.

Liz joined in 2019 and now heads our all women lending team! A priceless cog in the Think machine, she is a truly wanted women by all our clients. When not managing Think’s day-to-day, she enjoys long walks on the weekend with her family and dog Bailey.

Liz Tan

Head of Lending

Liz joined in 2019 and now heads our all women lending team! A priceless cog in the Think machine, she is a truly wanted women by all our clients. When not managing Think’s day-to-day, she enjoys long walks on the weekend with her family and dog Bailey.

Matt joined as our Finance Director in late 2022. He is a chartered accountant whose previous role was as Head of Finance for a national charity. He loves football and is a voluntary director of Chester Football Club. He also has 2 young boys (i.e. no time for hobbies!!)

Matt Dickenson

Finance Director

Matt joined as our Finance Director in late 2022. He is a chartered accountant whose previous role was as Head of Finance for a national charity. He loves football and is a voluntary director of Chester Football Club. He also has 2 young boys (i.e. no time for hobbies!!)

Where We Are

Location
ThinkUS LLC
3715 Northside Pkwy NW STE 500\n Building 100
Atlanta, Georgia GA 30327
United States
Phone

Office : +1 (404) 862 2007

Our Hours

MON-FRI 09:00 – 17:00

Follow Us
Linkedin Facebook-f Instagram Twitter
The difference with Think is they work with you. They understand the industry and don't complicate situations. Great to work with!
John W, BorrowerHusen Developments
John W, Borrower
Think Property provides excellent client support, providing me with ... full control of my investments.  As a result I now have a diversified and successful portfolio of loans that gives me a strong income stream. I highly recommend Think Property to anyone who is looking for an alternative way to invest their money. 
JB, Investor
JB, Investor
[I am] hugely a big ambassador and believer in Think Property Finance. They're good to communicate with. They turn around OIPs really quickly. They turn around the funds really quickly, and they take a pragmatic approach. The team are great to deal with!
Jack J, BorrowerEXP Property
Jack J, Borrower
I have every confidence in investing with [Think] and continue to enjoy the benefits of placing my money with them. If you are frustrated with low interest rates from banks and building societies and want to make your money work harder for you then do not hesitate to consider investing with this company!
JC, Investor
JC, Investor
In terms of customer service they are excellent. It felt as though we were working with a family business. If you are starting out in developing, or are a small to medium size developer, I could not recommend Think more highly.
Daniel F, BorrowerThe Momentum Group
Daniel F, Borrower
Think Property provide a transparent and personal service that provides a healthy and reliable return. The high standard of scrutiny provided by the Think Property team on every investment gives me peace of mind helped by the regular interest payments.
LM, Investor
LM, Investor
We have used Think Property for ... years now and the service we get is by far the best we have ever got. The company as a whole has never failed [us].
Hardeep R, BorrowerGPML Group
Hardeep R, Borrower
My personal experience in dealing with Think Property Finance has been a really good one ... the biggest reason is urgency! You get things done and fast, that is what I like the most. This results in minimum delays which is key for a small company like us who are trying to achieve big things.
Indy M, BorrowerSurety Construction
Indy M, Borrower
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ThinkUS LLC - 3715 Northside Pkwy NW STE, 500\n Building 100, Atlanta, Georgia GA 30327, United States

Senior Development Loan

Purchase Costs
(up to)
1 %
Development Costs
(up to)
1 %
max Loan
£ 1 m
max LTGDV
1 %
month Term
1- 2
from Rate
(per month)
0. 0 %

Senior Development Loan

We provide Senior Development Loans for up to 18 months on almost any residential project with development costs under £1.5m. As we lend on small- to medium-sized projects, we’re still able to complete in market-beating times where required.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

One such Senior Development Loan was against a block of new-build apartments in Poole. The development proposal changed during the loan, and our flexibility enabled us to meet the borrower’s changing needs during the term.

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View Case Studies

Light Development Loan

Purchase Costs
(up to)
1 %
Development Costs
(up to)
1 %
max Loan
£ 1 m
max LTGDV
1 %
month Term
1- 2
from Rate
(per month)
0. 0 %

Light Development Loan

If you have a project – involving a major refurb, conversion or extension – and require funds for both the purchase (i.e. on day 1) and the development work (i.e. loan drawdowns), then our Light Development Loan is for you. Even with drawdowns, we make the process as simple as possible. And for these projects, we typically don’t even require monitoring surveys, either.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

On this loan, we had a borrower who required a Light Development Loan to purchase an ex-semi commercial unit to convert into flats. They needed funds very quickly, and we were able to structure a deal to provide the loan needed.

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Auction Bridging Loan

max LTV
1 %
max Loan
£ 2 m
month Term
1- 2
from Rate
(per month)
0. 0 %

Auction Bridging Loan

If you have your eyes set on a property soon to go under-the-hammer, then our Auction Bridging Loan enables you to go into the auction with confidence. We’ll arrange terms with you up front, so that you know exactly what you can afford to pay. And given the speed with which we complete on loans, delivering on the finance after you’ve secured the property won’t be a problem.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

Here we had a borrower looking to purchase an HMO at auction. We agreed terms upfront, and after the borrower was successful at auction, we completed just a few days later.

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View Case Studies

Residential Bridging Loan

max LTV
1 %
max Loan
£ 1 m
month Term
1- 2
from Rate
(per month)
0. 0 %

Residential Bridging Loan

If you’re looking for a straightforward, short-term loan against a UK property that you own – or are about to purchase – then our Residential Bridge is for you. We provide terms up to 15 months to help you bridge your funding gap, whether it’s a house sale, refinance, or an other source of funding that’s just a few months down the road.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

Here’s an example of one of our Residential Bridging Loans, on a house in Croydon. Our borrower needed a 6 month loan to purchase a property before selling it on to other developers.

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Refurb Bridging Loan

Purchase Costs
(up to)
1 %
max Loan
£ 2 m
max LTGDV
1 %
month Term
1- 2
from Rate
(per month)
0. 0 %

Refurb Bridging Loan

Our Refurb Bridging Loan is for projects where the borrower is looking to refurbish, convert or extend a property. We provide up to 70% of the purchase price on day 1, and the borrower then provides the funding themselves for any work required. Because of this, developers typically love this product when the refurb or conversion costs are small, as it enables them to maximise their day 1 funding.

SIMPLE

Apply for a loan in a matter of minutes

FLEXIBLE

We’ll work with you to provide the loan you need

FAST

Receive funding from within two weeks if required

Case Study

We recently lent to a developer who was looking to convert a house in Oxfordshire into an HMO. They had the funds for the conversion, so just needed as much on day 1 to help with the purchase costs. We provided 70% LTV even though another lender had down-valued the property.

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View Case Studies