Property finance when timing matters.
Bridge, refurbishment, commercial and semi-commercial funding for property investors and developers across England and Wales.
What borrowers use us for.
Short-term property finance for transactions that need speed, clarity and practical underwriting.
Purchase bridge
Fast funding for property acquisitions where timing, completion certainty or auction deadlines matter.
Refinance
Short-term refinance where an existing facility needs to be replaced, extended or restructured.
Refurbishment
Funding for property improvement plans with a clear works scope, budget, programme and exit route.
Chain break
Bridge finance where a delayed sale, refinance or receipt creates a timing gap.
Capital release
Raise short-term capital against property security for business-purpose funding needs.
Commercial assets
Commercial and semi-commercial property loans where the asset, exit and borrower position are clear.
Product snapshot.
Indicative criteria only. Every case is subject to underwriting, valuation, legal due diligence, funding availability and approval.
Application process.
A clean process from enquiry to completion. We move faster when the facts are clear from the start.
Send basics
Borrower, property, loan amount, security, valuation position, timing and exit strategy.
Initial review
We check criteria fit, security, leverage, exit, borrower background and funding route.
Terms
Where the case fits, heads of terms are issued for borrower review and acceptance.
Completion
Valuation, legal due diligence, AML/KYC, funding checks and drawdown conditions are completed.
Documents we usually need.
Requirements vary by borrower, asset and transaction complexity. These are the usual starting points.
Borrower and transaction
- Borrower structure and company details
- Directors, shareholders and beneficial owners
- Loan purpose and business-purpose confirmation
- Source of funds and contribution evidence
- Exit strategy and supporting evidence
- Adverse credit or complexity explanation, if any
Property and security
- Property address and tenure
- Purchase contract or refinance statement
- Valuation report or comparable evidence
- Works schedule, budget and programme if refurbishing
- Insurance details
- Solicitor details and completion deadline
Borrower FAQ.
Short answers to the questions borrowers usually ask before submitting a case.
Do you lend directly to borrowers?
Yes. We can review borrower enquiries directly, although many transactions are introduced through brokers or professional advisers.
Do you lend across the whole UK?
Our current geography is England and Wales only.
How quickly can you issue terms?
Where the initial information is clear and the case fits criteria, we target heads of terms within 24 hours.
Is approval guaranteed after terms?
No. All lending remains subject to underwriting, valuation, legal due diligence, funding availability, completion conditions and final approval.
Ready to start?
Send the property, borrower, amount required, timing and exit route. We’ll review and confirm the next step.