One product, done properly.
We provide unregulated bridging loans secured by first charge on residential property in England and Wales. Acquisitions, refinances, light and heavy refurbishment, and development exit. That is the whole book, by design.
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 property in England and Wales, held as investment or development stock. Single assets and portfolios considered. |
| Charge | First legal charge |
| Term | Typically 12 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.
A narrow book is a deliberate choice. It is what lets us move quickly and stand behind our terms. If your deal sits in the right-hand column, we will say so on the first call and, where we can, point you somewhere better suited.
What we do
- Residential 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
What we don't
- Regulated mortgages or owner-occupied lending
- Consumer lending of any kind
- Ground-up development finance
- Second charge lending
- Loans below £1m
- Scotland and Northern Ireland
What happens when you send us a deal
First, a quick screen against the criteria above, done by a lender, not a form. You get a straight answer and, if it is a yes, indicative terms that reflect how we actually expect to complete.
From there, valuation and legals are instructed early and run in parallel. Your named underwriter holds the case from enquiry to drawdown, so nothing is lost in a handover and you always know who to call.