Short-term property finance with clear parameters.
Bridge, refurbishment, commercial and semi-commercial lending across England and Wales.
Core products.
Numbers-led criteria for the transactions we are set up to review quickly.
Bridge loans
Short-term property bridge finance for purchase, refinance, chain break and capital release scenarios.
Refurbishment
Funding for property improvement works with a clear scope, budget, programme and exit route.
Commercial
Commercial and semi-commercial lending where the asset, security, borrower and exit are clear.
Full criteria table.
Criteria are indicative only. All lending is subject to underwriting, valuation, legal due diligence, funding availability and final approval.
Product availability and leverage may reduce depending on asset type, location, valuation basis, borrower profile, exit route, legal position and funding requirements.
Property types.
We focus on property-backed lending where value, security and exit can be properly evidenced.
Residential investment
Investment property, buy-to-let, portfolios and non-owner-occupied residential assets.
Mixed-use
Semi-commercial property where the income, use, title and marketability are clear.
Commercial
Commercial assets considered where the security, tenant profile, use and exit are acceptable.
Refurbishment
Works-led transactions with a credible borrower, budget, programme and monitoring approach.
Auction purchase
Time-sensitive acquisitions where the completion deadline and funding requirement are clear.
Portfolio cases
Multiple assets considered where title, valuation and security structure are manageable.
What we avoid.
Clear exclusions save everyone time. These cases are unlikely to proceed unless specifically agreed as an exception.
Asset exclusions
- Owner-occupied or regulated residential lending
- Properties outside England and Wales
- Highly specialist assets with limited resale market
- Assets with unresolved title defects or unacceptable legal risk
- Uninsurable property or inadequate insurance position
Transaction exclusions
- Unclear exit strategy or unsupported refinance assumption
- Unexplained source of funds or contribution
- Material undisclosed adverse credit, litigation or fraud concerns
- Works cases without credible budget, scope or programme
- Cases that fail AML, sanctions, legal or funder requirements
Process flow.
A short route from enquiry to drawdown when the deal is well packaged.
Submit
Send borrower, property, amount, exit, valuation position and timing.
Screen
We check fit, security, leverage, exit, borrower and funding route.
Terms
Where the case fits, we aim to issue heads of terms quickly.
Diligence
Valuation, legal, AML/KYC, source of funds and funding checks.
Complete
Conditions satisfied, funds flow agreed and drawdown completed.
Check a deal.
Send the property, borrower, amount, security, exit and timing. We’ll confirm whether it fits.