Lending built around what we know.
We provide unregulated bridging and refurbishment loans secured by first charge on residential and semi-commercial property in England and Wales. Acquisitions, refinances, light and heavy refurbishment, and development exit. We lend where we know what we are doing, and nowhere else.
Lending criteria
Every deal is assessed on its merits by an experienced underwriter. These are the parameters we lend within.
| Loan size | £1,000,000 to £5,000,000 |
|---|---|
| Security | Residential and semi-commercial property in England and Wales, held as investment or development stock. Single assets and portfolios considered. |
| Charge | First legal charge |
| Term | 3 to 18 months |
| Loan to value | Up to 75% of open market value, depending on asset and exit |
| Purpose | Acquisition, refinance, capital raise, light and heavy refurbishment, development exit. Business and investment purposes only. |
| Borrowers | UK companies and SPVs, and experienced property professionals borrowing for business purposes. Personal guarantees typically required from principals. |
| Exit | Sale or refinance. We lend against exits we believe in, and we will tell you plainly if we don't. |
| Interest | Retained, serviced, or part-and-part, structured to suit the deal |
We know what we are good at. And we know what we aren't.
Focus is a deliberate choice. It is what lets us move quickly and stand behind our terms. If a deal is not right for us, we will say so on the first call and, where we can, point you somewhere better suited.
What we do
- Residential and semi-commercial bridging, £1m to £5m
- Acquisition and refinance bridging
- Light and heavy refurbishment
- Development exit loans
- Portfolio and multi-asset security
- Broker-introduced and direct enquiries
We do not offer regulated mortgages, lend to owner-occupiers, or provide consumer credit, and we do not lend below £1m, on second charges, or outside England and Wales.
What happens when you send us a deal
Your enquiry is read by a person, not processed by a form. We check it against the criteria above and come back with a straight answer. If it is a yes, the indicative terms we issue reflect how we actually expect to complete.
From there, valuation and legals are instructed early and run in parallel. We put the same work into choosing our professional partners as we put into our own process: the valuers and law firms we instruct are specialists in short-term lending, chosen because they move at the pace of the deal and get it right first time. Your named underwriter holds the case from enquiry to drawdown, so nothing is lost in a handover and you always know who to call.