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Find the loan you need with a lender you can trust.

We specialize in providing short-term finance to professionals in property development, from those just starting out to those with decades of experience under their belt. We also help others who may not be in property development but need quick finance and have a property to borrow against. Take a look below at the variety of options we have on offer. Take a look below at the variety of options we have on offer.

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Residential Loans

Residential Bridge

Simple, short-term finance to get you where you need to be.

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Refurb Bridge

Quick, simple finance for quick flips and simple refurbs.

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Auction Bridge

Secure finance to give you backing in the auction house.

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Development Loans

Light Development

Finance for major refurbs, conversions and extensions.

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Senior Development

From a one house new-build, to an apartment block development.

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Commercial Loans

Commercial Bridge

Simple finance against almost any real estate (that's not a house!)

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Mixed Use Bridge

Uncomplicated loans for complex cases.

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FAQs

Most frequent questions and answers

This varies loan-by-loan, so click on the individual loan types to find out more

For experienced developers, we are willing to lend up to 80% of the purchase price on our Refurb Bridge product when they are carrying out the refurbishment at their own expense.

Give us a call on the number at the top of the page. Or, simply fill in the form below and one of our team will be in touch shortly!

Simply put, a Refurb Bridge is for loans where you are carrying out a refurbishment or conversion but only need funds for the purchase (i.e., on day 1). If you need funds for development as well, that’s where our Light Development loan can help!

Unfortunately not. We are not currently regulated by the FCA to be able to offer these products.

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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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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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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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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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Commercial Bridging Loan

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

Commercial Bridging Loan

If you have a commercial property you wish to borrow against, our short-term Commercial Bridging Loan may provide the financing solution you require. We are happy to take a case-by-case view on almost any asset class – from offices to retail units and warehouses. If you’re unsure whether it’s something we’d lend against, fill in our Find Out More form and we’ll give you a call to discuss.

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 provided a Commercial Bridging Loan to a borrower who required financing for a large development. They had an unencumbered commercial unit – with planning for flats – which we took security over to enable us to lend.

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Mixed Use Bridging Loan

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

Mixed Use Bridging Loan

Our Mixed Use Bridging Loan product is available for a variety of asset types. Some borrowers wish to borrow against a semi-commercial property, such as a shop with flats above. Others wish to borrow against a portfolio of different asset types. Whatever combination of real estate it is, we take the complexity out of the loan process and simply appraise each asset individually to work out a lending solution. If you have a mixed-use enquiry, and want to see if it’s something we’d consider, fill in our Find Out More form and we’ll give you a call.

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

An example of one of our Mixed Use Bridging Loans was with a borrower in Bristol. They required a loan against 2 neighbouring properties: a semi-detached house and an ex-community hall. We structured a bridging loan to provide the financing the borrower required

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