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Lender Index 2026/27

Bridging, Commercial, BTL and Development Finance A broker’s essential guide to finding the right lender

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Development Finance Features

Lender Index | 1

Contents 6 8 12 14 18 20 22 26 28 32 34 36 38 40 42 46 48 52 54 56 60 62 64 68 72 76 78 82 86 88 90 92 94 98 102 106 110 112 116 118 120 124 128 130 132 136 140 144 146

Albatross Allica Bank Alternative Bridging Corporation Ascot Bridging Finance Aspen Bridging Atelier Avamore Capital Beaufort Bridging Beaufort Capital Black & White Bridging BLEND Bluecroft Finance Bridge Invest Brightstone Law CapitalRise Charles Street Cohort Capital Colenko Daizun Investments Evolve Lending Group Fairbridge Capital Goldentree Financial Services Hampshire Trust Bank Hilco Real Estate Finance InterBay Lendco LendInvest London Credit Masthaven Mint Property Finance MVC Development Finance LTD Morpheus Lending MS Lending Group MT Finance Octane Capital Ortus Secured Finance Pallas Capital Precise Roma Finance ScotLend Somo StreamBank TAB TFG Capital Together United Trust Bank West One Whitehall Lending Lender Matrix

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Albatross Lending Group W H O W E A R E : Albatross Lending Group was founded on a simple principle: certainty of execution. As a specialist bridging and commercial finance lender, our product pillars span residential, commercial and refurbishment finance, delivered through a multi-divisional structure that lets us tailor solutions rather than force-fit them. Our reputation rests on doing what we say we will, supported by market-leading technology that speeds decisioning and removes friction from every transaction. We lend from our own discretionary fund, giving us direct control over terms and speed, while institutional funding lines behind us provide the reassurance and scale to deliver at any size. O U R E T H O S : We are obsessed with the customer journey. That means direct access to decision-makers, clear communication, personal ownership, and a willingness to assess every case on its merits. Backed by diversified institutional funding, substantial discretionary capital, and strategic family office investment, we have capital ready to deploy across property and commercial finance. We aim to grow without losing the responsive, entrepreneurial service that defines Albatross, while lending responsibly and building long-term relationships with brokers and borrowers. W H A T W E S P E C I A L I S E I N : Bridging, light and heavy refurbishment, development exit, second-charge and complex property finance, alongside secured commercial loans for UK SMEs. We specialise in cases requiring speed, flexible structuring, projection-led underwriting, and a genuinely commercial view, including acquisitions, refinancing, debt consolidation, growth, and working capital. MEET THE TEAM: Jordan Fearnley-Brown

Nils Raber

0208 079 7691 jordan@albatrosslending.co.uk

0208 079 7691 nils@albatrosslending.co.uk

Lewis Casserley

David Cardoso

0208 079 7691 lewis@albatrosslending.co.uk

0208 079 7691 david@albatrosslending.co.uk

CO-FOUNDER & PRINCIPAL

36 Soho Square, London, W1D 3QY

6 | Lender Index

ASSOCIATE DIRECTOR

LENDING ASSOCIATE

www.albatrosslendinggroup. co.uk

info@albatrosslending.co.uk

Product types Charges Funding model

Bridging & development 1st and 2nd Internal equity, HNW investors, bank and institutional funding lines, and ownership of our own regulated fund FCA regulated No Interest range Bridging from 0.75% pcm Fixed/variable interest Fixed Treatment of interest & Rolled, retained, serviced default interest 2% above standard rate of interest. Extensions available on request Sectors Residential, development, industrial, retail, hospitality, HMO Max LTV 75% Max LTGDV 75% Max LTC 85% Min & max loan term 3–36 months Min & max loan size £50,000–£10m Min property value £75,000 Valuation retypes Yes Rental calculations & exposure N/A Geographical lending areas England and Wales Types of valuation accepted AVMs, retypes, Red Book, shortform New builds Yes Heavy Refurb Yes Grade listed buildings Yes Green/Sustainable product No Planning permission needed Yes Commission rate 1–2% Associations/Charters NACFB Types of landlords accepted Limited companies/individual/first-time/portfolio Upfront fees No Broker portal No Early redemption charges No Investment Yes Owner occupied Yes Electronic signatures accepted Yes Lending on land No

Lender Index | 7

Allica Bank W H O W E A R E : Allica Bank is on a mission to give established businesses, and the brokers who support them, the banking they deserve. Our core lending supports a wide range of deals, including commercial mortgages, bridging finance and asset finance. Alongside lending, we offer business current account, so you can support your client beyond a single deal. With direct access to experienced business development managers and underwriters, expect fewer delays, clearer answers, and a smoother journey. We’re also proud to be named Commercial Lender of the Year at the Bridging & Commercial Awards for five years in a row. O U R E T H O S : We believe established businesses deserve better banking. That’s why we support and reward them with fast, reliable decisions and real human support. Our experienced business development managers and underwriters work closely with broker partners to deliver a personal, straightforward service when it matters most. W H A T W E S P E C I A L I S E I N : We specialise in straightforward business banking and finance for established businesses across the UK, including asset finance, bridging finance, commercial mortgages, growth finance, invoice finance and specialist buy-to-let. MEET THE TEAM: Stephen Spinks

Steve Palfreeman

07943 184 749 Stephen.spinks@allica.bank

0207 846 2637 Steve.palfreeman@allica.bank

Charissa Chang

Brandon Hall

07494 596 184 Charissa.chang@allica.bank

07399 793 967 Brandon.hall@allica.bank

HEAD OF BROKER SALES – COMMERCIAL MORTGAGES (SOUTH AND CENTRAL)

HEAD OF BROKER SALES – COMMERCIAL MORTGAGES (NORTH AND MIDLANDS)

Allica Bank Limited, 4th/5th Floor, 15 Worship Street, London, EC2A 2DT

8 | The Index

HEAD OF BROKER SALES – BRIDGING FINANCE

HEAD OF BROKER SALES – ASSET FINANCE

www.allica.bank/introducers

Commercial mortgages introducers@allica.bank Bridging finance bridging@allica.bank Asset finance afproposals@allica.bank

Product types

Commercial mortgages, bridging finance, asset finance, growth finance, invoice finance specialist BTL, business current account and business overdraft

Charges Funding model FCA regulated Interest range

1st

Fixed/variable interest Treatment of interest & default interest Sectors

Fixed and variable options

Max LTV

Commercial owner-occupied 80%; commercial investment 75%; BTL 75%; bridging finance 85%

Max LTGDV Max LTC Min & max loan term

Bridging finance up to 65%

Min & max loan size

Commercial owner-occupied mortgages, £150,000–£10m, Commercial investment mortgages £150,000–£15m, Specialist BTL £200,000–£15m, Bridging finance £150,000–£10m

Min property value Valuation retypes Rental calculations & exposure

Case-by-case basis

Geographical lending areas Types of valuation accepted

England, Scotland and Wales

New builds Heavy Refurb Grade listed buildings

Yes

Deposit funded Yes Commercial investment from 3.70% (variable), 7.90% (fixed); Semi-commercial investment from 2.35% (variable), 6.30% (fixed); Specialist BTL from 5.95% (fixed only); Commercial owner-occupier from 2.30% (variable), 6.50% (fixed); Semi-commercial owner-occupier from 1.80% (variable), 6.00% (fixed); Standard bridging finance residential from 0.69% (fixed), semi-commercial from 0.74% (fixed); commercial from 0.82% (fixed) and refurb from 0.77% (fixed)

Various by product, please call to discuss Residential, HMOs, offices, industrial, retail and hospitality, as well as specialist sectors including healthcare, professional practices, public houses, schools and nurseries

Bridging finance up to 90% Commercial owner-occupied 5–30 years; Commercial investment 5-year commitment, 25-year profile; BTL 5-year interest only; Bridging finance: various by product, please call to discuss

Yes Commercial investment and owner-occupied 130% debt service cover; Semicommercial investment 120% debt service cover; Repayment cover calculated at pay rate for fixed rate mortgages and pay rate plus 1% for variable rates Bridging finance – Full RICS valuations. AVMs and desktop valuations available up to 70% (standard bridging) No Grade 1 or Grade A (Scotland) listed buildings are out of appetite but can sometimes be done by exception

Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Yes, Commercial mortgages: 0.25% for EPC rating A-C evidenced at application Case-by-case basis Various by product, please call to discuss NACFB Patron Experienced only Bridging finance: yes Yes Yes Yes Yes Yes No

The Index | 9

How business banking used to be,

Find out more at allica.bank/introducers introducers@allica.bank | 0330 094 3333

Allica Bank Limited is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (FRN: 821851). Registered office: 4th/5th Floor, 15 Worship Street, London, EC2A 2DT. Registered in England and Wales with company number 07706156.

Alternative Bridging Corporation W H O W E A R E : At Alternative Bridging Corporation, we have been providing specialist lending to the property industry, business community and homeowners for more than 30 years. We use our experience and expertise to help an increasing number of brokers and their clients. We have a resolute focus on maintaining a short chain of command, with all directors and executives under one roof. This means we are able to make swift decisions, while also making it possible to take on and consider more complex cases, and we can often provide an alternative solution even when other lenders have said “no”. O U R E T H O S : Collaboration is a core part of our ethos. This means many brokers choose to work with us again and again—building a long-term relationship that can help to make the process swift and simpler. Collaboration also assists with our product development, keeping brokers and their clients front of mind when developing and enhancing products. We have a range of bridging loans, refurbishment loans and development finance loans to suit every need. Innovative solutions to target specific borrower needs include our drawdown facility, the Alternative Overdraft and PartX Property Finance, a pre-approved, part-exchange facility for developers. W H A T W E S P E C I A L I S E I N : Alternative Bridging provides bridging and development finance for commercial and residential assets to owner-occupiers and investors. We have been working with our broker partners to satisfy the widest community possible for over 30 years. This has been achieved by developing products such as the Alternative Overdraft. MEET THE TEAM: Paul Gavin HEAD OF SALES

0207 096 8123 07570 708 414 paul.gavin@alternativebridging.co.uk

2 Imperial Place Maxwell Road Borehamwood WD6 1JN

12 | Lender Index

www.alternativebridging.co.uk

hello@alternativebridging.co.uk

Product types:

Bridging, development, term and specialist

Charges:

1st and 2nd

Funding model:

Shareholders and bank lines

FCA regulated:

Yes

Interest range:

Bridging from 0.70%; development from 0.99%; and term loan from 6% pa over BBR

Fixed/variable interest:

Both

Treatment of interest + default interest:

Retained or serviced; default interest by agreement

Sectors:

Residential, commercial, development, and regulated loans

Max LTV:

70%

Max LTGDV:

70%

Max LTC:

90%

Min & max loan term:

3 months–5 years

Min & max loan size:

£200,000–£10m

Min property value:

£100,000

Valuation retypes:

Yes

Rental calculations & exposure:

N/A

Geographical lending areas:

England, Wales and Scotland

Types of valuation accepted:

Standard and AVM

New builds:

Yes

Heavy Refurb:

Yes

Grade listed buildings:

Yes

Green/sustainable product:

Planning permission needed:

Yes

Commission rate:

By agreement

Associations/Charters:

NACFB and BDLA

Types of landlords accepted:

Any

Upfront fees:

Broker portal:

Yes

Early redemption charges:

Investment:

Yes

Owner occupied:

Yes

Electronic signatures accepted:

Yes

Lending on land:

Lender Index | 13

Ascot Bridging Finance W H O W E A R E : Ascot Bridging Finance is a UK-based, family-run lender providing fast, flexible short-term property and development finance. Our experienced team combines deep market knowledge with a hands-on, common-sense approach, enabling quick decisions and reliable execution. We can complete transactions within just a few days, subject to legal processes. Pricing is transparent, with fees including valuation, legal, arrangement and exit costs clearly outlined upfront, alongside any applicable ad-hoc fees. We work closely with brokers and borrowers to structure efficient solutions. O U R E T H O S : Ascot Bridging Finance is built on transparency, speed and long-term relationships. We take a pragmatic, case-by-case approach to lending, ensuring clarity and consistency throughout. Backed by strong funding lines, we have significant capital available, supporting a broad range of property transactions. Our focus is on delivering dependable, straightforward finance solutions with a personal service that brokers and borrowers can trust. W H A T W E S P E C I A L I S E I N : We specialise in fast, flexible bridging and development finance for residential property, including purchases, refinances, auction deals, refurbishments, and complex cases requiring pragmatic, common-sense underwriting. We excel in below market value transactions, offering up to 100% funding or more. MEET THE TEAM: James Holehouse

Debbie Wilson

01925 467170 jamesholehouse@ascotbridgingfinance.co.uk

01925 467170 debbiewilson@ascotbridgingfinance.co.uk

SENIOR UNDERWRITER

SENIOR BUSINESS DEVELOPMENT MANAGER

Danielle Withnell PORTFOLIO MANAGER

01925 467170 daniellewithnell@ascotbridgingfinance.co.uk

8 Webster Court, Carina Park, Warrington WA5 8WD

14 | Lender Index

www.ascotbridgingfinance.co.uk

enquiries@ascotbridgingfinance.co.uk

Product types:

Bridging & development finance

Charges:

1st and 2nd charges (in conjunction with a 1st charge)

Funding model:

Institutional funding lines and high-net-worth investor

FCA regulated:

Interest range:

Bridging from .69% pcm and Development from .95% pcm

Fixed/variable interest:

Fixed

Treatment of interest + default interest:

Retained Interest calculated monthly and default interest 3% pcm

Sectors:

Residential, semi commercial, commercial and land with residential planning

Max LTV:

75%

Max LTGDV:

70%

Max LTC:

No maximum

Min & max loan term:

3–12 months (up to 18 months by referral)

Min & max loan size:

£37,500–£1m

Min property value:

£50,000

Valuation retypes:

Yes

Rental calculations & exposure:

N/A

Geographical lending areas:

England, Scotland and Wales

Types of valuation accepted:

AVMs, re-types, short and long form

New builds:

Yes

Heavy Refurb:

Yes

Grade listed buildings:

Grade 2 listed buildings can be considered

Green/sustainable product:

Planning permission needed:

Yes

Commission rate:

Associations/Charters:

N/A

Types of landlords accepted:

Limited companies, individual, first-time and portfolio

Upfront fees:

Yes

Broker portal:

Early redemption charges:

Investment:

Yes

Owner occupied:

Electronic signatures accepted:

Yes

Lending on land:

Yes as long as residential planning is in place

Lender Index | 15

BEYOND FINANCE: UNLOCKING THE POTENTIAL IN EVERY PROPERTY

With rates starting from 0.69% and our commitme finance, we can promise and deliver timely solution clients.

BMV

We lend against open market value, not just purchase price, so your client may access 100% funding or more, depending on the deal.

DUAL REP

SMALL DEVELOPMENTS

Dual representation handled with transparency, compliance, and clear communication, protecting all parties.

Speed, flexibility, and small developm We understand tighter quickly, and keep proj

ent to fast, flexible ns to your

certainty for ments. margins, fund jects moving.

01925 467170

CREATIVE BRIDGING SOLUTIONS We specialise in Bridging Finance for Property Owners and Investors in the UK.

Aspen Bridging W H O W E A R E : Aspen has the benefit of having over £500m in group equity ready to fund. We offer bridging, refurb, development and bridge-to-let. We provide DocuSign legal and a no-valuation loan of up to 85% LTV, with direct access to your dedicated underwriter. Our award-winning product range leads the way in not only heavy conversions and refurbishments, supporting developers for longer at better leverage and lower pricing on heavier works. The bridge-to-let product uniquely assists clients who need a flexible option after the bridge, should that be a refinance or sale option in a very changing market. O U R E T H O S : At Aspen we love to innovate and listen to our clients to see where there are gaps in the market. With our award-winning product range including development and refurbishment, our experienced team provides drawdowns to clients within 48 hours of visits, keeping projects moving quickly and efficiently. Our underwriters get on the front foot to understand the client’s requirements and look to overcome any problems that may arise. Our extensive experience from sales to underwriting means we all work as one team to provide the best outcome on every deal. W H A T W E S P E C I A L I S E I N : Aspen specialises in development and all types of refurbishment, from Grade 1 listed property to auction finance or a foreign national purchase. With all of our products, your client will get quick decisions directly from our team, who will keep you updated throughout. MEET THE TEAM: Steve Gregory

Kevin Beale

07716 098 079 steveg@aspenbridging.co.uk

07860 855 229 kevin@aspenbridging.co.uk

BDM – SOUTH & WALES

BDM – MIDLANDS & THE NORTH

Mike Allen

BDM – LONDON & EAST

07513 480 392 mikeallen@aspenbridging.co.uk

2 Stratford Court Cranmore Boulevard Solihull B90 4QT

18 | Lender Index

www.aspenbridging.co.uk

enquiries@aspenbridging.co.uk

Product types

Bridging, development and BTL

Charges

1st

Funding model

Equity funded by FTSE main listed company

FCA regulated

Interest range

Stepped Rate 0.35–0.49%; flat rate 0.65–0.84%

Fixed/variable interest

Fixed Rate

Treatment of interest & default interest

Retained interest; 0.85-2% applied case-by-case

Sectors

Residential, investment, commercial, semi-commercial, HMO, refurb and development

Max LTV

85%

Max LTGDV

75%

Max LTC

90%

Min & max loan term

3 months–5 years

Min & max loan size

£200,000-£15m

Min property value

£100,000

Valuation retypes

Yes

Rental calculations & exposure

100% of payrate on Bridge to Let

Geographical lending areas

England and Wales

Types of valuation accepted

Internal Valuation, Redbook and retypes

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/Sustainable product

Planning permission needed

Commission rate

1–2%

Associations/Charters

BDLA and FIBA

Types of landlords accepted

Ltd co, individual, FTB/FTL, foreign national, ex-pats, offshore ltd co, portfolio landlords

Upfront fees

Broker portal

Yes

Early redemption charges

Investment

Yes

Owner occupied

No, unless owner occupied commercial

Electronic signatures accepted

Yes

Lending on land

Lender Index | 19

Atelier W H O W E A R E : Atelier is a leading Living Sector development finance lender, and has deployed over £1bn across the UK real estate market. We understand that for professional developers, speed and certainty are critical. Our funding process is designed to deliver both, alongside a strong Day One advance to support project momentum from the outset. We provide highly competitive loans from £3m to £40m, up to 70% LTGDV, across residential-led sectors including Residential, Build-to-Rent, Student and Care. Atelier delivers competitive funding solutions, giving experienced developers the confidence to move quickly and execute with certainty. O U R E T H O S : Atelier is an established and responsible lender, operating to institutional standards with a clear focus on transparency, reliability and long-term relationships.We stay close to the market, listening to brokers and developers and understanding the realities they face, so that we can deliver funding solutions that work in practice, not just in principle. We recognise that time is critical in every transaction. Our team is structured to deliver both speed and certainty and is trusted by brokers and developers who value continuity and expert support, from first drawdown through to final repayment. W H A T W E S P E C I A L I S E I N : We specialise in development finance, providing competitive and flexible funding solutions for professional developers working across Residential, BTR, Student and Care schemes. MEET THE TEAM: Matthew Blaine Young

Raj Hothi

0207 846 8263 matthewblaine.young@atelierfinance.co.uk

020 7846 8257 raj.hothi@atelierfinance.co.uk

Tricia Martin

Luke Eadie

020 7846 8265 tricia.martin@atelierfinance.co.uk

020 7846 8225 luke.eadie@atelierfinance.co.uk

HEAD OF ORIGINATION

LENDING DIRECTOR

London office 94-96 Wigmore Street, London, W1U 3RF

20 | Lender Index

LENDING DIRECTOR

LENDING MANAGER

www.atelierfinance.co.uk

enquiries@atelierfinance.co.uk

Product types:

Development finance

Charges:

1st

Funding model:

Institutional

FCA regulated:

Interest range:

From BBR + 4.99% variable

Fixed/variable interest:

Variable, no floor

Treatment of interest + default interest:

Interest rolled or serviced, additional 6.0% pa default rate if facility not

Sectors:

Residential, BTR, student and care

Max LTV:

70% with discretion to go higher

Max LTGDV:

70% with discretion to go higher

Max LTC:

90%

Min & max loan term:

6–36 months

Min & max loan size:

£3m–40m

Min property value:

£4m

Valuation retypes:

Case-by-case

Rental calculations & exposure:

Case-by-case

Geographical lending areas:

England, Scotland and Wales

Types of valuation accepted:

Red Book valuation, from valuer on Atelier panel

New builds:

Yes

Heavy Refurb:

Yes

Grade listed buildings:

Yes

Green/sustainable product:

Planning permission needed:

Yes

Commission rate:

Negotiable

Associations/Charters:

NACFB

Types of landlords accepted:

Corporate

Upfront fees:

0.5–1.0%

Broker portal:

Yes

Early redemption charges:

Considered on case-by-case basis

Investment:

Owner occupied:

Electronic signatures accepted:

Yes

Lending on land:

Yes – only if planning in place with intent to develop

redeemed or extended prior to term date

Lender Index | 21

Avamore Capital W H O W E A R E : Avamore Capital stands at the intersection of traditional lending and innovative property finance. As a specialist lender in development, refurbishment, part complete development and bridging finance, we empower property professionals with tailored, forward-thinking funding solutions. We specialise in complex funding structures, combining deep expertise with a broker-centric mindset. We work closely with brokers and borrowers to understand each project, structuring pathways from inception to successful exit. Our comprehensive suite of products and features ensures a seamless process, delivering flexible, innovative solutions that meet the unique challenges of every deal while building lasting, trusted relationships. O U R E T H O S : Avamore’s ethos is defined by precision and partnership. We take the time to understand every deal in detail, delivering tailored solutions that reflect the specific needs of each borrower and broker. No two transactions are the same, and neither is our approach. We prioritise proactive thinking over standardised lending, combining deep expertise with a commitment to innovation. By continually refining our processes, we make complex transactions more efficient and transparent. Our focus is simple, to provide intelligent funding solutions that empower our clients to move forward with confidence and long-term success in an evolving property market. W H A T W E S P E C I A L I S E I N : Avamore Capital specialises in all forms of development lending, from our part complete development product, to our strength across all types of refurbishments and conversions, to innovative solutions in funding/equity structures on development projects. We strive to find a solution for all projects that meet our client’s needs. MEET THE TEAM: George Ormerod

Aidan Lesslie

Relationship manager

07824 333 747 go@avamorecapital.com

07491 972 329 al@avamorecapital.com

(LONDON)

(SOUTH-EAST & EAST ANGLIA)

Samantha Graydon

Tom Morrissey

Relationship manager

(SOUTH & SOUTH-WEST)

(LONDON)

07523 367 903

07376 335 515

sg@avamorecapital.com

Cannon Place 78 Cannon Street London EC4N 6HL

22 | Lender Index

tm@avamorecapital.com

www.avamorecapital.com

enquiries@avamorecapital.com

Product types:

Development, refurb, part complete development and bridging

Charges:

1st

Funding model:

Multiple institutional funding lines

FCA regulated:

Interest range:

From 6.5% + BBR

Fixed/variable interest:

Fixed and variable available

Treatment of interest + default interest:

Retained Interest. Default interest of 2% pcm following grace period. Extensions available at lower rates

Sectors:

Residential, mixed use, HMOs and student accommodation

Max LTV:

85%

Max LTGDV:

75%

Max LTC:

90%

Min & max loan term:

3–24 months

Min & max loan size:

£250,000-plus

Min property value:

N/A

Valuation retypes:

Yes

Rental calculations & exposure:

N/A

Geographical lending areas:

England and Wales

Types of valuation accepted:

Red Book valuations and retypes

New builds:

Yes

Heavy Refurb:

Yes

Grade listed buildings:

Yes

Green/sustainable product:

Planning permission needed:

Commission rate:

1–2%

Associations/Charters:

ASTL, BDLA and NACFB

Types of landlords accepted:

Limited companies, first-time/experienced developers

Upfront fees:

Yes

Broker portal:

Yes

Early redemption charges:

Investment:

Yes

Owner occupied:

Electronic signatures accepted:

Yes

Lending on land:

Lender Index | 23

Refurbishment

Part Complete Development

Development

Bridging

Funding for light, medium or heavy refurbs Grade listed and student accomodation considered No exit fee regardless of the build cost

Flexible on experience Solution driven equity structures Flexible on PGs

How can we help?

Ability to step in at any stage of the build Experienced team with strong track record in funding PCDs Pre-agreed equity release available

Acquisitions and development exits Net Sales proceeds available Lend against OMV not 180 day value

ADAM BUTLER Sales & Marketing Director ab@avamorecapital.com 07388 919 116

GEORGE ORMEROD Relationship Manager go@avamorecapital.com 07824 333 747

SAMANTHA GRAYDON Relationship Manager sg@avamorecapital.com 07523 367 903

TOM MORRISSEY Relationship Manager tm@avamorecapital.com 07376 335 515

AIDAN LESSLIE Relationship Manager go@avamorecapital.com 07491 972 329

020 3440 9651 www.avamorecapital.com enquiries@avamorecapital.com

Beaufort Bridging W H O W E A R E : Beaufort Bridging is a sister company of Beaufort Capital, which was established in 2013 to provide development finance to experienced property developers. For over a decade, Beaufort Capital has successfully provided market-leading senior, stretch senior, bridge, mezzanine and equity funding. Drawing on the experience of the wider Beaufort Capital team, Beaufort Bridging provides standalone bridging finance across all asset classes throughout Great Britain. We specialise in large-ticket loans ranging from £3m to £75m+ and can provide an expression of interest within 24 hours of receiving an enquiry. Contact us today to speak to a member of the team. O U R E T H O S : Beaufort Bridging specialises in bridging opportunities upwards of £3m, with the ability to structure and deliver facilities of £75m and beyond. With decades of experience in finance and development in the UK property market, Beaufort Bridging is able to identify opportunities to maximise the potential of a project. Our experience enables us to underwrite complex cases that require deep understanding of the development lifecycle. Beaufort Bridging aims to achieve its ambitious lending targets through offering fast, high-quality service and certainty of delivery W H A T W E S P E C I A L I S E I N : Beaufort Bridging provides bridging finance for a wide range of purposes including residential, mixed-use, commercial and undeveloped land. Funding is available throughout England, Scotland and Wales. Beaufort Bridging can provide large loans of up to £75m, and potentially above. MEET THE TEAM: Richard Titcombe ASSOCIATE DIRECTOR

0203 0266 143 07584 095 772 richard@beaufortbridging.co.uk

7 Curzon Street London W1J 5HG

26 | Lender Index

www.beaufortbridging.co.uk

enquiries@beaufortbridging. co.uk

Product types

Bridging

Charges

1st and 2nd

Funding model

Private

FCA regulated

Interest range

Bridging from 0.7% per month

Fixed/variable interest

Variable

Treatment of interest & default interest

Rolled, retained or serviced

Sectors

All real-estate asset classes

Max LTV

70%

Max LTGDV

70%

Max LTC

85%

Min and max loan term

6–36 months

Min and max loan size

£3m–75m-plus

Min property value

None

Valuation retypes

Yes

Rental calculations and exposure

N/A

Geographical lending areas

England, Scotland and Wales

Types of valuation accepted

Red Book

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/sustainable product

Planning permission needed

Commission rate

Negotiable

Associations/charters

N/A

Types of landlords accepted

N/A

Upfront fees

Yes

Broker portal

Early redemption charges

Yes

Investment

Yes

Owner occupied

Yes

Electronic signatures accepted

Yes

Lending on land

Yes

Lender Index | 27

Beaufort Capital W H O W E A R E : Established in 2013, the Beaufort Capital team has financed and developed more than five million square feet of property of all asset classes across the UK, and excels at creating opportunities where traditional funders are unable to provide the right solutions. Beaufort Capital considers all locations in England, Scotland and Wales and all asset classes from residential and commercial to healthcare, PBSA, hotels, mixed use and industrial. The team can provide expressions of interest within 48 hours and indicative terms within five working days. Contact us today to speak with a member of the team. O U R E T H O S : Beaufort Capital’s aim is to support and build long-term relationships with good-quality developers, empowering each of them to maximise their return on capital. Beaufort Capital has decades of experience in finance and development in the UK property market and invests its expertise in every developer it works with. Understanding that no two developments are the same, Beaufort Capital is committed to providing swift, flexible solutions to achieve optimal funding structures on every project. ESG plays a key role in Beaufort Capital’s decision-making process, allowing industry-leading projects to be unlocked across the UK. Our ESG strategy is at: beaufortcapital.co.uk/esg.html. W H A T W E S P E C I A L I S E I N : Beaufort Capital specialises in providing established property developers; senior debt, stretched senior, mezzanine finance and bridge-to-development funding for real estate transactions in Britain. With facilities ranging from £10m–£150m+, Beaufort Capital supports experienced sponsors seeking certainty of capital, speed and efficient execution. All references to “Beaufort Capital” relate to Beaufort Senior Secured GP SARL. MEET THE TEAM: Mark Quigley

Steffan Goold

07342 885 277 mark@beaufortcapital.co.uk

07342 881 311 steffan@beaufortcapital.co.uk

Peter French

Valentina Stefanucci

07884 226 144 peter@beaufortcapital.co.uk

07920 330 879 valentina@beaufortcapital.co.uk

MANAGING DIRECTOR- UK REAL ESTATE FINANCE

ASSOCIATE DIRECTOR

7 Curzon Street London W1J 5HG

28 | Lender Index

DIRECTOR

ANALYST

www.beaufortcapital.co.uk

enquiries@beaufortcapital.co.uk

Product types

Development

Charges

1st and 2nd

Funding model

Private

FCA regulated

Interest range

Stretched senior debt from 5% over SONIA; mezzanine from 10% over SONIA; bridge to development from 1% pcm

Fixed/variable interest

Variable

Treatment of interest & default interest

Rolled; fixed higher rate of default interest may be

Sectors

All real estate asset classes

Max LTV

60%

Max LTGDV

70%

Max LTC

85%

Min and max loan term

12-36 months per development project

Min and max loan size

£10m-150m-plus (stretched senior debt) and £3m–15m (mezzanine finance)

charged in exceptional circumstances

per single development project. Larger facilities available for multiple projects

Min property value

£15m GDV

Valuation retypes

Yes, if dated within 3 months and from our accepted list of valuers

Rental calculations and exposure

N/A

Geographical lending areas

England, Scotland and Wales

Types of valuation accepted

Red Book

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/sustainable product

Planning permission needed

Commission rate

Negotiable

Associations/charters

N/A

Types of landlords accepted

N/A

Upfront fees

Yes

Broker portal

Early redemption charges

Yes

Investment

Owner occupied

Electronic signatures accepted

Yes

Lending on land

Yes

Lender Index | 29

ENGINEERED FOR RECOVERIES When performance drops, we increase the output. Our LPA Receivers & Recoveries team applies controlled pressure at the right time - generating heat, driving performance and keeping recoveries moving forward. Fast assessment. Decisive action. Sustained output. We don’t ease off. We keep recoveries ﬁring at full capacity - maintaining pressure, accelerating progress and delivering results. Contact our team to keep your recoveries ﬁring on all cylinders.

Hinesh Varsani

07841 249737 hvarsani@bmortlakes.com

Matthew Perrett

07377 596758 mperrett@bmortlakes.com

Mark Downham

07494 104 857 mdownham@bmortlakes.com

Michael Yianni

020 7323 1100 myianni@bmortlakes.com

17 Hanover Square, Mayfair, London W1S 1BN t: 020 7323 1100 www.bmortlakes.com

The Association of Property and Fixed Charge Receivers FS 79502

Black & White Bridging W H O W E A R E : Black & White provides bridging finance that enables borrowers to seize opportunities traditional lenders often cannot support. Built on a commitment to transparency, speed and certainty, we deliver faster turnaround times alongside market-leading lending criteria. Backed by an award-winning team, our approach is defined by clear communication, decisive lending and solutions without grey areas. That’s what makes us Black & White. O U R E T H O S : We are a business built on traditional values, strong relationships and trust. We are recognised as a lender of integrity; one that delivers on its promises without compromise. Our funding model is designed to create fair outcomes for everyone. Investors, borrowers and brokers all benefit from a truly transparent lending approach built around clarity, speed and certainty. We do not charge upfront or administration fees and there are no hidden costs. Our ESG strategy asks staff to volunteer two days annually, we support various charities, and our Head Office was recently fitted with local sustainable materials. W H A T W E S P E C I A L I S E I N : We specialise in residential and commercial bridging finance across a wide range of transactions, including purchases, acquisitions and refinancing. Our market-leading criteria and truly transparent approach mean we can support even the most complex scenarios. Whatever your client’s needs, we are confident in delivering the right solution. MEET THE TEAM: Magnus Duke Dadzie

Mike Underwood

07956 329292 mdd@nogreyareas.co.uk

07502 456603 mun@nogreyareas.co.uk

Rick Davey

Shahed Popat

07471 222 953 rjd@nogreyareas.co.uk

07425 380124 spo@nogreyareas.co.uk

RELATIONSHIP DIRECTOR

Bristol: York House, 1300 Parkway North, Bristol BS34 8YU London: 6-7 St John’s Lane, Farringdon, London EC1M 4BG Manchester: XYZ Building, 2 Hardman Boulevard, Spinningfields, Manchester M3 3AQ

32 | Lender Index

RELATIONSHIP DIRECTOR

www.nogreyareas.co.uk

enquiries@nogreyareas.co.uk

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest & default interest Sectors Max LTV Max LTGDV Max LTC Min & max loan term Min & max loan size Min property value Valuation retypes Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Bridging (and development) 1st (and 2nd) HNWs, Institutions No From 0.69% upwards Fixed - Retained interest: interest is calculated on the gross loan for the duration of the facility and deducted at completion - Rolled interest: interest in capitalised and accrued monthly, calculated on the principle and outstanding interest at the end of each monthly period - Serviced interest: interest is calculated on the gross loan with the first month deducted at completion and serviced monthly thereafter - Default interest is 75% loading of the standard rate All Residential and commercial sectors 75% 75% 90% 3–24 months including extension £50,000-£10m N/A Yes 125% DSCR at 5.5% stress rate England and Wales 180 day valuations only. AVMs (up to 75% resi), re-types, Red Book Yes Yes Yes–75% max LTV Yes Yes case-by-case FIBA Limited companies, individual, first-time and portfolio No No No (3-month minimum interest) Yes No (residential 1st charge), Yes (commercial owner occupied) Yes Yes–55% max LTV, C3 usage required

Lender Index | 33

BLEND W H O W E A R E : BLEND is an award-winning, family-office specialist property lender providing Development Finance, Development Exit and Refurbishment loans from £350,000–£10m. We combine senior banking experience with the speed, flexibility and personal service of a boutique lender. Since 2017, we have supported experienced property developers and investors with structured funding solutions, clear decision-making and certainty of execution, helping clients complete projects and unlock opportunities with confidence. O U R E T H O S : Our ethos is built around certainty. We do not just issue terms; we back them. Borrowers and brokers have direct access to BLEND’s decision-makers and credit team, so transactions are assessed properly from the outset. By combining early credit input, pragmatic structuring and clear communication, we aim to give clients confidence that the deal agreed is the deal delivered. W H A T W E S P E C I A L I S E I N : BLEND specialises in Development Finance, Development Exit and Refurbishment loans for experienced property developers and investors. We fund residential and commercial-to-residential projects, with facilities from £350,000–£10m, up to 75% LTV, 75% LTGDV and 95% LTC. MEET THE TEAM: David Alcock

Daniel Patterson

07785 715 954 david.alcock@blendnetwork.com

07500 705 790 daniel.patterson@blendnetwork.com

Yann Murciano

Josh Dalah

07557 796 821 yann.murciano@blendnetwork.com

07570 971 044 josh.dalah@blendnetwork.com

MANAGING DIRECTOR

RELATIONSHIP MANAGER

CEO

142 New Cavendish Street London W1W 6YF

34 | Lender Index

ANALYST

www.blendnetwork.com

enquiries@blendnetwork.com

Product types

Development finance, development exit and refurb loans

Charges

1st (can provide 2nd in some cases)

Funding model

Family office, HNWs and institutional

FCA regulated

Yes

Interest range

Development finance from 5.50% pa. above base rate, Bridging from 0.79% pm

Fixed/variable interest

Fixed and floating

Treatment of interest & default interest

Rolled, retained and serviced, default rate on a case-by-case basis

Sectors

Residential, mixed-use and commercial, acquisition, refurb, conversion, ground-up and exit

Max LTV

75%

Max LTGDV

75%

Max LTC

95%

Min & max loan term

3 months

Min & max loan size

24 months

Min property value

No min

Valuation retypes

Yes

Rental calculations & exposure

N/A

Geographical lending areas

England, Wales and Northern Ireland

Types of valuation accepted

Red Book and retypes

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/Sustainable product

Yes

Planning permission needed

Yes

Commission rate

1–2%

Associations/Charters

N/A

Types of landlords accepted

Limited companies and individuals

Upfront fees

Yes

Broker portal

Early redemption charges

Investment

Yes

Owner occupied

Electronic signatures accepted

Yes

Lending on land

Lender Index | 35

Bluecroft Finance W H O W E A R E : We do bridging the way it should be done: fast and flexible finance solutions to meet the diverse needs of individuals & businesses that require short-term funding. Bluecroft Finance is a rapidly growing lender in the UK bridging finance market. We provide bridging loans from £75k to £3M with LTV up to 80%. We’re a storybook lender that doesn’t use algorithms to decide cases. Our dedicated team will review each case in detail and offer a hassle-free service that can get loans funded quickly. O U R E T H O S : Funded by a combination of private funding and institutional funding lines, we plan to achieve significant growth and increase our loan book to £100m within the next 12 months. Because of our personal approach, we can look at each case and build a bespoke deal that will satisfy all parties involved. We lend across England, Wales and Scotland. W H A T W E S P E C I A L I S E I N : We’re a specialist bridging lender providing a speedy loan process for brokers and clients. We prioritise residential, commercial and semi-commercial loans for a variety of property transactions including 1st & 2nd charges. We do Residential Auction purchases up to 80% LTV & Semi-Commercial up to 75% LTV. MEET THE TEAM: Katy Fogarty

Harriet Worth

BUSINESS DEVELOPMENT MANAGER (SOUTH WEST)

BUSINESS DEVELOPMENT MANAGER (MIDLANDS)

07354 201 459 katy.fogarty@bluecroftfinance.com

07593 721 278 Harriet.worth@bluecroftfinance.com

Daniel Smith

BUSINESS DEVELOPMENT MANAGER (LONDON)

07858 818 399 daniel.smith@bluecroftfinance.com

6 Ambassador Place Stockport Road Altrincham WA15 8DB

36 | The Index

www.bluecroftfinance.com

enquiries@bluecroftfinance.com

Product types

Bridging, auction, 2nd charge bridging, residential, commercial, semi-commercial and light refurbishment

Charges

1st and 2nd

Funding model

Private funding combined with institutional funding lines

FCA regulated

Interest range

All bridging products from 0.99%

Fixed/variable interest

Fixed and variable

Treatment of interest & default interest

Retained, serviced

Sectors

Residential, commercial, semi-commercial, HMO, hospitality, planning, retail, office block conversions and more

Max LTV

80%

Max LTGDV

75%

Max LTC

N/A

Min & max loan term

3–18 months

Min & max loan size

£75,000–£3m

Min property value

£100,000

Valuation retypes

Yes

Rental calculations & exposure

N/A

Geographical lending areas

England, Scotland and Wales

Types of valuation accepted

Short form residential valuations, AVMs, Desktops, BMVs, Red Book valuations

New builds

Yes/No

Heavy Refurb

Grade listed buildings

Yes

Green/Sustainable product

Planning permission needed

Commission rate

Case-by-case

Associations/Charters

NACFB, BDLA

Types of landlords accepted

Limited companies, individual, first-time and portfolio

Upfront fees

Broker portal

Early redemption charges

Investment

Yes

Owner occupied

Electronic signatures accepted

Yes

Lending on land

The Index | 37

Bridge Invest W H O W E A R E : Bridge Invest has been providing bridging finance for more than 10 years, supporting borrowers across the residential, semi-commercial, and commercial sectors. We offer both bridging loans and revolving credit facilities, with loan sizes ranging from £100,000 to £10m across England and Wales. Our funding is backed by high-net-worth individuals and institutional debt funds and banks. Our experienced team of industry professionals supports both borrowers and brokers throughout the entire process, from initial enquiry through to redemption, ensuring a smooth, efficient, and reliable lending experience. O U R E T H O S : Bridge Invest believes in a no-nonsense approach to lending, delivering bespoke solutions tailored to each client’s needs. We are committed to finding ways to say yes, supported by investment in our people, systems, and technology to ensure a process that is smooth, efficient, and transparent. We pride ourselves on consistency and reliability, never changing agreed terms once a deal is in progress. With over £250m in funding available for deployment this year, we are well-positioned to support our clients. We also partner with TreeApp, planting a tree in the UK for every loan completed. W H A T W E S P E C I A L I S E I N : Bridge Invest specialises in straightforward, no-nonsense lending for residential, semi-commercial, and commercial properties throughout England and Wales. We assess every case individually and take a pragmatic approach. Once terms are issued, clients and brokers can be confident that we will deliver on our commitments and complete the transaction. MEET THE TEAM: Daniel Glicksman

Kairan Howard -Shawbell

07710 381 636 daniel@bridgeinvest.co.uk

07592 050396 kairan@bridgeinvest.co.uk

Erbil Erbi

Ilgin Ercenik

07411 058627 erbil@bridgeinvest.co.uk

07785 626610 ilgin@bridgeinvest.co.uk

SENIOR BUSINESS DEVELOPMENT MANAGER

Office address 48 Warwick Street London W1B 5AW

38 | Lender Index

www.bridgeinvest.co.uk

BUSINESS DEVELOPMENT MANAGER

BUSINESS DEVELOPMENT EXECUTIVE

info@bridgeinvest.co.uk

Product types

Bridging, and Revolving Credit Facility

Charges

1st and 2nd

Funding model

HNWs and Debt Fund

FCA regulated

Yes

Interest range

Bridging from 0.69% PM, Revolving Credit from 0.89% PM

Fixed/variable interest

Fixed

Treatment of interest & default Rolled, retained, serviced interest charged daily interest Sectors

Residential, Semi Commercial and All Commercial except Farms and Religious Buildings

Max LTV

75% of the 180 day

Max LTGDV

75% of the 180 day

Max LTC

100%

Min & max loan term

3 Months–2 years

Min & max loan size

£100,000–£10,000,000

Min property value

£150,000

Valuation retypes

Yes

Rental calculations & exposure N/A Geographical lending areas

England and Wales

Types of valuation accepted

AVMs, re-types, desktop, Red Book, etc.

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Grade 2 Yes

Green/Sustainable product

Planning permission needed N/A Commission rate

Negotiable

Associations/Charters

Types of landlords accepted

Limited companies/individual/first-time/portfolio

Upfront fees

Broker portal

Early redemption charges

Investment

Yes

Owner occupied

Yes

Electronic signatures accepted Yes Lending on land

Yes

Lender Index | 39

Brightstone Law LLP W H O W E A R E : Brightstone Law is an award-winning firm that has operated in the legal field for more than 30 years. The firm provides an unrivalled range of services to an extensive range of bridging lenders, including work on loan origination, dispute resolution and collection, sales conveyancing, professional negligence claims, insolvency, county court possession, High Court litigation and LPA receiverships. O U R E T H O S : We are recognised as acting for a broad range of specialist finance lenders from small, bespoke, niche private lenders to large, nationally recognised banks. The firm has a wealth of experience in dealing with commercial/residential loans, consumer credit loans, FCA-regulated loans and non-regulated loans. Brightstone Law is an associate member of the ASTL. W H A T W E S P E C I A L I S E I N : We provide quality services to lending clients in the bridging and long-term sectors, practising the complete range of disciplines required by principal lenders. Our reputation is founded on an experienced team of dedicated lawyers, delivering expertise responsively through clear communication. MEET THE TEAM: Jonathan Newman

Rehka Chelvendra

0208 731 3080 jn@brightstonelaw.co.uk

0208 731 3080 rc@brightstonelaw.co.uk

SENIOR PARTNER

PARTNER

Harry Peradigou PARTNER

0208 731 3080 hp@brightstonelaw.co.uk

Brightstone House 511 Centennial Park Centennial Avenue Elstree Hertfordshire WD6 3FG

40 | Lender Index

www.brightstonelaw.co.uk

info@brightstonelaw.co.uk

CapitalRise W H O W E A R E : CapitalRise is a leading specialist in prime property finance. We are the only dedicated finance provider for high-end developments in London, the Home Counties, and beyond. Founded by experienced developers, we understand the challenges and time involved in raising finance for projects. As such, CapitalRise offers cost-effective property finance that is faster, simpler and more flexible than traditional sources of capital. Finance is typically in the range of £1m-20m, and we offer a variety of products – including senior, stretched senior and mezzanine funding, as well as acquisition, development and sales period loans. O U R E T H O S : CapitalRise was established in 2016 by CEO Uma Rajah, alongside the founders of luxury development firm Finchatton. CapitalRise focuses on funding prime property projects across England and Wales. Loans have been provided in some of the most desirable areas of prime London, including Knightsbridge, Belgravia, Mayfair, Kensington, Chelsea and Grosvenor Square – as well as other locations, such as the Wentworth Estate, Marlow, St George’s Hill and the Cotswolds. To date, CapitalRise has written over £610m of loans against more than £1.3bn of property value. W H A T W E S P E C I A L I S E I N : We specialise in fast and flexible funding solutions for high-end property development, refurbishment and bridging. CapitalRise offers senior, stretched senior and mezzanine funding. There are no upper or maximum £-per-square-foot or capital value restrictions. MEET THE TEAM: Lee Francis

Raf Chowdhury

07880 650 651 lf@capitalrise.com

07443 074 064 rc@capitalrise.com

HEAD OF ORIGINATION

LENDING DIRECTOR

Katy Katani

LENDING DIRECTOR

07799 262 381 kk@capitalrise.com

33 Cavendish Square London W1G 0PW

42 | Lender Index

www.capitalrise.com/borrow

borrow@capitalrise.com

Product types:

Bridging, development, refurb, airspace finance. Senior, stretched senior, and mezzanine

Charges:

1st and 2nd

Funding model:

Combination of various institutional funding lines, and a platform of family offices/HNWIs

FCA regulated:

Yes (for investors only)

Interest range:

Bridging from 0.80%pcm, development from 5.75% pa (over bank of England base rate)

Fixed/variable interest:

Offer both fixed and variable products

Treatment of interest + default interest:

Offer both rolled and serviced

Sectors:

Residential ground-up, refurb, airspace, and bridging. Commercial projects considered

Max LTV:

75%

Max LTGDV:

70%

Max LTC:

90%

Min & max loan term:

12–36 months

Min & max loan size:

£1m–20m

Min property value:

N/A

Valuation retypes:

Yes

Rental calculations & exposure:

Geographical lending areas:

England and Wales

Types of valuation accepted:

Retypes and Red Book

New builds:

Yes

Heavy Refurb:

Yes

Grade listed buildings:

Yes

Green/sustainable product:

Planning permission needed:

Yes

Commission rate:

1% (negotiable)

Associations/Charters:

BDLA

Types of landlords accepted:

Limited companies, individual and portfolio

Upfront fees:

Yes

Broker portal:

Early redemption charges:

Yes

Investment:

Owner occupied:

Electronic signatures accepted:

Yes

Lending on land:

Yes (planning permission required though)

Lender Index | 43

Charles Street Finance W H O W E A R E : Charles Street Finance is a well established, fast-growing specialist finance provider that prides itself on putting the customer at the heart of its operations. Established in 1983, in Manchester, we’ve rapidly established a reputation for speed, service and certainty, even in the most complex of deals. Our growing team works out of offices in Cheadle, offering clients a relationship they can bank on. We work with brokers to offer high service levels, flexible criteria, and a broad commercial product range including bridging, refurbishment, buy-to-let, semi-commercial, commercial, and revolving credit facility loans. O U R E T H O S : We were founded on a simple principle: to back good opportunities where the security, borrower and exit make sense. We build trust through transparency, fairness, and accountability, doing the right thing, even when it’s not the easiest. Our relationships are rooted in honesty, consistency, and a genuine commitment to our clients’ long-term success. We’re strengthening our funding and investing for growth, scaling our success while staying true to the judgement, speed and control that have always set us apart. W H A T W E S P E C I A L I S E I N : Our focus is on helping clients to grow their businesses. We work with brokers to place commercial finance for professional property investors, developers and landlords. From complex structures to tight deadlines, our experienced team takes a straightforward, hands-on approach, working quickly to find solutions to get the deal done. MEET THE TEAM: Jonathan Sally

Mike Mather

07795 843272 Jonathan.Sally@charlesstreetfinance.com

07730 587 536 Michael.Mather@charlesstreetfinance.com

Carl Graham

Louise Ward

07759 648 713 Carl.Graham@charlesstreetfinance.com

07730 578890 Louise.Ward@charlesstreetfinance.com

MANAGING DIRECTOR

SALES MANAGER

SALES DIRECTOR

Office address 5500 Lakeside, Cheadle Royal Business Park, Cheadle, Stockport, SK8 3GR

46 | The Index

CUSTOMER RETENTION MANAGER

www.charlesstreetfinance.com

newbusiness@charlesstreetfinance.com

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest & default interest

Bridging, development, BTL and term

Sectors

Residential, mixed-use, commercial, development, office, industrial, retail, hospitality, PBSA, HMO

Max LTV Max LTGDV Max LTC Min & max loan term Min & max loan size Min property value Valuation retypes Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

75%

1st and 2nd (including 3rd party 1st and 2nd charges) PE and institutional debt No Bridging from 0.99%; development from 12%; term from 8.9% Both Additional 0.5% charged daily, automatic extension, then interest charged daily; higher rate capped at 2.5%

70% 75% 3 months – 25 years £50,000–£5m (larger loans by exception) £75,000 Yes Yes Nationwide (excluding NI) AVMs, desktop, full RICS Yes Yes Yes Yes Yes Variable NACFB, BDLA Limited companies/individual/first-time/portfolio No No Yes Yes Yes Yes Yes

The Index | 47

Cohort Capital W H O W E A R E : Cohort Capital is a leading short-term real estate finance provider, delivering rapid, flexible funding across the UK property sector since 2019. Founded by debt finance specialist Matt Thame and investor Bal Sohal, we leverage over 100 years of combined experience. Backed by institutional and family office capital, we provide tailored bridging finance from £1m–50m. Our equity-based approach, private capital structure and sector expertise allow us to assess assets and sponsors, access off-market opportunities and commit quickly, often closing deals in just over two weeks. O U R E T H O S : Cohort Capital is a pragmatic, solutions-led lender focused on certainty, speed and execution. We take a commercially driven, common-sense approach, supporting both straightforward and more complex transactions where challenges may sit with the borrower, asset or strategy. Decisions are made quickly and in-house, with terms issued directly from our investment committee and final approval from the founder. With no third-party funders or hidden constraints, we offer true discretion, flexibility and certainty of execution, designing lending solutions around what borrowers actually need, not rigid criteria. W H A T W E S P E C I A L I S E I N : Cohort Capital specialises in bespoke bridging finance, delivering fast, decisive funding with full credit-backed commitment. We focus on delivering tailored solutions and have the ability to consider assets, sponsors and strategies that sit outside a traditional lender’s requirements. MEET THE TEAM: Matt Thame

Robert Pritchard

0207 659 4403 Matt.thame@cohortcapital.co.uk

07427 495 121 robert.pritchard@cohortcapital.co.uk

CEO AND CO-FOUNDER

CHIEF INVESTMENT OFFICER

Dipen Patel

CHIEF COMMERCIAL OFFICER

07885 523 760 dipen.patel@cohortcapital.co.uk

97 Park Lane London W1K 7TG

48 | Lender Index

www.cohortcapital.co.uk

enquiries@cohortcapital.co.uk

Product types Charges Funding model FCA regulated Interest range

Bridging, light refurb and land with planning 1st and 2nd Family offices, investors, institutional and proprietary capital No Bridging from 0.75% pm Refurb from 0.85% pm

Fixed/variable interest Treatment of interest and default interest

Fixed or variable

Sectors Max LTV Max LTGDV Max LTC Min & max loan term Min & max loan size Min property value Valuation retypes Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

All residential and commercial sectors considered

Retained or serviced Default interest rates agreed on a case-by-case basis 75% 70% 90% 3–36 months £1m–50m No minimum Yes Agreed on a case-by-case basis UK and Europe Red book and retypes Yes Yes Yes No Lending assessed on a current use value Up to 2% N/A Individuals, UK and offshore corporate entities Yes No Agreed on a case-by-case basis Yes No Yes Yes

Lender Index | 49

Colenko W H O W E A R E : Colenko is a specialist property lender providing bridging loans and development finance for UK investors and developers. Our senior team has delivered over £1bn in secured lending over the past 20 years, combining sector expertise with advanced systems to deliver fast, flexible finance. We focus on speed, clarity and execution, issuing credit-backed terms within 24 hours and progressing deals efficiently to completion. We take a straightforward, practical approach to lending, ensuring funding works in practice as well as on paper, with clear communication and consistent delivery throughout. O U R E T H O S : Our approach is built on clarity, communication and commitment. We assess each opportunity thoroughly, providing full transparency on what we can deliver and structuring facilities that work from the outset. We prioritise speed and certainty, moving quickly where it counts while maintaining sound judgement and attention to detail. Once terms are issued, we stand behind them, navigating complexity and supporting brokers and borrowers through to completion. Our focus is simple: clear thinking, straightforward processes and consistent delivery that enables clients to move forward with confidence. W H A T W E S P E C I A L I S E I N : Short-term bridging and development finance, including residential, semi-commercial and commercial bridging, refurbishment and ground-up development. We specialise in fast-moving transactions, complex structures and high-leverage opportunities, delivering flexible funding solutions with speed, certainty and practical underwriting for property investors and developers. MEET THE TEAM: Mark Marlow

Richard Claypole

0204 576 9470 mark@colenko.com

0203 739 7944 richard@colenko.com

Kendyl Binnie

Lee Moran

020 4514 0930 kendyl@colenko.com

0207 948 9706 lee@colenko.com

HEAD OF SALES

SENIOR CREDIT MANAGER

BDM MIDLANDS & NORTH

33 Broadwick Street, London, W1F 0DQ

52 | Lender Index

BDM, LONDON AND SOUTH

www.colenko.com

enquiries@colenko.com

Product types Charges Funding model FCA regulated Interest range

Bridging, development 1st and 2nd Private capital and institutional funding partners No Bridging from 0.55% per calendar month; development from 0.85% per calendar month

Fixed/variable interest Treatment of interest and default interest

Fixed monthly rates

Residential, semi-commercial, commercial, refurb, development and HMO

Rolled, retained or serviced options available; default interest applied on overdue balances Up to 75% LTV (bridging) Up to 75% LTGDV Up to 90% LTC Up to 24 months (typically 3–24 months)] £100,000–£3m Case-by-case basis Yes Not applicable for short-term lending (case assessed) England and Wales AVM, short-form and RICS Red Book valuations Yes Yes Yes No Yes Case-by-case NACFB, BDLA Individuals, limited companies, first-time and experienced developers Yes No No (product dependent) Yes No Yes Yes

Lender Index | 53

Daizun Investments W H O W E A R E : Daizun Property Finance is a family-run principal lender across bridging and development, majority funded with in-house capital for rapid decisions. Our sister company is an active property developer, meaning we bring real world insight into ground-up development and heavy refurbs as well as more straightforward bridging from a borrower’s perspective. Property experts sit alongside banking professionals and accountants to form the nimble Daizun team. Benefit from same-day credit decisions, transparent fees and a commercial view on every deal. An experienced team in both property and finance, delivering reliable lending with no surprises. O U R E T H O S : Reliability and a commercial mindset sit at the heart of our business. Our team blends property developers with banking professionals and accountants, meaning every loan gets a pragmatic, human assessment; there is never a “computer says no” response. This philosophy has earned us a 95% repeat borrower rate over five years. Fresh capital led to a doubling of the loan book last year and, with significant growth planned for 2026/7, our commitment to brokers and borrowers alike will deepen as we scale. When we commit, we deliver. W H A T W E S P E C I A L I S E I N : Residential, commercial and mixed-use bridging and development finance up to £4million. We exceed 80% loan to purchase price on residential bridging where the LTV is sub 75%. Ground-up development finance represents 50% of our loan book, with standard bridging constituting the rest. MEET THE TEAM: James Edwards

Ndiwe Rocque

0208 050 1744 James@daizun.co.uk

0208 050 1744 Ndiwe@daizun.co.uk

CEO & CO-FOUNDER

CFO

Ben Irvin

BUSINESS DEVELOPMENT MANAGER

0208 050 1744 Ben@daizun.co.uk

Gilmoora House, 57-61 Mortimer Street, London, W1W 8HS

54 | Lender Index

www.daizun.co.uk

info@daizun.co.uk

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest and default interest

Bridging, refurb and development

Residential, commercial and mixed-use

1st Majority self-funded No Circa 1% per calendar month Fixed Serviced (full and partial) and retained. Default rate – loan dependent

75% 75% 90% 3–24 months £200,000–£4m £266,666.66 Yes N/A England and Wales Redbooks, retypes and desktops Yes Yes Yes Yes Yes Case-by-case NACFB Patron Lender Limited companies, individual, first-time, portfolio and offshore 2% deducted from day 1 advance N/A No Yes No Yes Yes

Lender Index | 55

Evolve Lending Group W H O W E A R E : Evolve Lending Group is an independent principal lender operating with an exclusive joint venture with Empowered Pensions Group. Backed by an experienced team, we deliver trusted, intelligent secured finance built on rapid execution and clear communication to complete deals efficiently. We do not fund development or refurbishment finance. We prioritise a tailored approach, lending to unique structures, UK trading businesses, entrepreneurs and property professionals. Clients benefit from market-leading incentives, including free standard valuations, alongside complete pricing transparency with zero hidden application, valuation, legal, exit, or default costs across every deal. O U R E T H O S : Our ethos centers on transparency, agile execution, and absolute principal certainty. Backed by pension-led funding via Empowered Pensions Group, institutional funding lines and robust private capital, we enter the 2026/27 period fully capitalised with substantial funds ready for immediate deployment. We believe borrowing should be straightforward, eliminating hidden costs and bureaucratic friction to build lasting broker and borrower relationships. As part of our wider corporate responsibility, we embed responsible lending practices across our credit framework, actively integrating ESG principles by prioritising paperless digital processes, supporting energy-efficient security assets, and conducting thorough governance checks across all partner operations. W H A T W E S P E C I A L I S E I N : Evolve Lending Group specialises in bespoke secured property finance for unique lending structures, UK trading businesses, entrepreneurs, and property professionals. We deliver standalone first-charge short- to mid-term bridging over £750,000, and below £750,000 equitable, second-charge short- to mid-term bridging, and tailored revolving credit facilities. Please note: We do not fund development or refurbishment schemes.

124 City Road, City of London, EC1V 2NX

56 | The Index

www.evolvelending.co.uk

enquiries@evolvelending.co.uk

1st charge bridging, equitable and 2nd charge bridging/ equitable and 2nd charge revolving credit facilities (RCFs) 1st, equitable and 2nd charge Private, pension, and institutional lines FCA Annex 1 registered 1st charge bridging from 0.79% pm. Equitable, 2nd charge and RCFs from 1.25% pm Always fixed Retained, part-and-part or serviced, charged pro rata per month. RCFs charge pro rata per day All sectors considered 75% of MV N/A N/A 1 month – 24 months for bridging. Up to 36 months for RCFs £27,500–£3.5m, with higher limits available by case referral £100,000 Yes N/A England and Wales AVMs, desktops, retypes, Red Book Yes No Yes No N/A From 1% or as agreed BDLA Limited companies/individual/portfolio Yes – £750 No No Yes Yes Yes No

The Index | 57

F L E X I B L E

•

E T H I C

In Exclusive Partnership with

EVOLVE LENDING GROUP

A N I N D E P E N D E N T, P R I VAT E LY - F U N D E D

SECURED LENDER FOR TRADING BUSINESSES,

ENTREPRENEURS AND PROPERTY PROFESSIONALS

SEEKING TRUSTED, INTELLIGENT FINANCE

EVOLVELEND

124 CITY ROAD • CITY O PHONE +44 (0) 203 289 9908

A L

•

R E S P O N S I V E

CORE LENDING PROPOSITION E Q U I TA BLE & 2 n d C H A R G E BR I D G I N G | BELOW £750k

Bespoke Structured Finance 1st CHARGE BRIDGING | ABOVE £750k

Standalone Property Capital Solutions R E V O LV I N G C R E D I T FA C I L I T I E S | BELOW £750k

Exclusively Equitable & 2nd Charges We do not offer any development or refurbishment finance

DING.CO.UK

OF LONDON • EC1V 2NX ENQUIRIES@EVOLVELENDING.CO.UK

Fairbridge Capital W H O W E A R E : Fairbridge Capital is an unregulated bridging lender established in 2019, offering fast and flexible short-term finance on both residential and commercial properties in England, Wales and Scotland. With an experienced in-house team, we aim to complete deals within 7–10 days and pride ourselves on a smooth, responsive service. Our pricing is transparent, covering all standard fees: valuation, legal, set-up, exit, and default where applicable. With competitive rates from 0.85% pcm and up to 75% LTV. O U R E T H O S : At Fairbridge Capital, we take pride in our transparency and the strong relationships we build, which are greatly valued by our brokers and returning borrowers. Each case is assessed individually, as no two loans are the same. We are committed to using our in-house expertise and efficiency to deliver tailored financial solutions that help our clients achieve their goals. W H A T W E S P E C I A L I S E I N : Fairbridge Capital specialises in residential bridges, refurbishment bridges, commercial and semi-commercial bridges, development exit bridges, second charge bridges, third-party charge bridges, and lending to foreign national borrowers. All credit histories are taken into consideration. MEET THE TEAM: Dalian Gill

Aman Bajwa

07792 366 433 dalian@fairbridgecapital.co.uk

07483 274 944 aman@fairbridgecapital.co.uk

DIRECTOR

85 Gresham Street London EC2V 7NQ

60 | The Index

DIRECTOR

www.fairbridgecapital.co.uk

enquiries@fairbridgecapital. co.uk

Product types

Bridging, refurb, development and exit bridge (unregulated lending)

Charges

1st and 2nd

Funding model

Institutional and HNWI’s

FCA regulated

Interest range

From 0.85%

Fixed/variable interest

Fixed

Treatment of interest & default interest

Retained and serviced; Default Interest 2% pcm above Interest Rate

Sectors

Residential, Commercial, development, HMO, Semi Commercial

Max LTV

75% (Higher LTV can be offered on Below Market Value Transactions)

Max LTGDV

70%

Max LTC

90%

Min & max loan term

3–24 Months

Min & max loan size

£50,000–£5m

Min property value

£100,000

Valuation retypes

Yes

Rental calculations & exposure

N/A

Geographical lending areas

England, Wales and Scotland

Types of valuation accepted

Red Book valuations, Short Form Reports, AVMs and re-types

New builds

Yes (Valuers will be asked to deduct any new build premium)

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/Sustainable product

N/A

Planning permission needed

Yes

Commission rate

Negotiable

Associations/Charters

N/A

Types of landlords accepted

All including foreign nationals

Upfront fees

No, only 3rd party fees such as valuations and legals

Broker portal

Early redemption charges

No but minimum term is 3 months

Investment

No (Lend on Vacant Possession Market Value)

Owner occupied

Yes (must be a 2nd charge and for business purposes only)

Electronic signatures accepted

Lending on land

The Index | 61

Goldentree Financial Services W H O W E A R E : Established in 2001, Goldentree is a short-term secured property lender based in Warrington. Goldentree specialises in bridging and development finance, lending between £100,000 and £10m. The company offers loan facilities at up to 75% LTGDV and up to 90% LTC on terms up to 24 months. They lend private cash for greater flexibility and speed. With Goldentree, there’s no valuation (they use their own people to save time and money) and they employ their own in-house solicitors for greater speed and less cost. Regulated deals can be processed through Goldentree’s sister company, Birchwood Mortgages Limited. O U R E T H O S : Goldentree’s ethos is to treat all brokers, clients and stakeholders fairly. It aims to respond to all enquiries as quickly as possible and always within 24 hours of receiving them. Goldentree doesn’t have complex funding lines; the company is backed by the family behind BetFred and has the cash ready to lend. W H A T W E S P E C I A L I S E I N : Ground up development finance and residential bridging finance have been the core of what Goldentree does for the last 25 years. Goldentree relaunched its bridging offering in late 2025 and offers bridging loans at interest rates as low as 0.72% retained. MEET THE TEAM: Scott Hannah

Sam Wilson

07882 901 915 scott.hannah@goldentreefs.co.uk

07432 026 899 sam.wilson@goldentreefs.co.uk

HEAD OF SALES

BUSINESS DEVELOPMENT MANAGER

Ryan Hughes

BUSINESS DEVELOPMENT MANAGER

07999 901 915 ryan.hughes@goldentreefs.co.uk

Unit 4a, Birchwood One Business Park, Dewhurst Road, Birchwood, Warrington, WA3 7GB

62 | Lender Index

www.goldentreefs.co.uk

info@goldentreefs.co.uk

Product types

Bridging finance, development finance and interest serviced term loan up to 36 months

Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest and default interest Sectors Max LTV Max LTGDV Max LTC Min & max loan term Min & max loan size Min property value Valuation retypes Rental calculations & exposure Geographical lending areas Types of valuation accepted

1st charge only Private funding, backed by the family behind BetFred No (but sister company Birchwood Mortgages is) From 0.72% Fixed Rolled, retained, serviced Residential, commercial, bridging, ground-up development and light & heavy refurb For bridging finance, 75%; for development finance, 65% For bridging finance, 75%; for development finance, 65% 90% Bridging, up to 12 months; development up to 24 months £100,000–£10m N/A No N/A England, Scotland and Wales For bridging AVM’s. For development, in-house valuations using our own team of in-house surveyors

New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Yes Yes No No No Negotiable BDLA, NACFB Limited companies, individuals and first-time developers Yes No No Yes No No Yes

Lender Index | 63

Hampshire Trust Bank W H O W E A R E : HTB is a specialist bank built around brokers, funding complex residential investment and development through development finance, bridging, term and specialist BTL. Brokers and borrowers have direct access to decision-makers, with dedicated teams providing clear ownership of each case from initial enquiry through to completion. We are funded through bank deposits and securitisation, providing certainty of funding. There are no exit fees on bridging, arrangement fees are typically 2% while valuation fees vary and dual representation is available in bridging and mortgages. Our teams bring deep experience across complex structures, portfolios and specialist property types. O U R E T H O S : We do not offer one size fits all. Every facility is structured around the client, the asset and the broker’s plan, with manual underwriting and direct access to decision-makers throughout. Our funding model, supported by deposits and securitisation, ensures capital is consistently available to deploy. We support brokers across bridging, term and development, helping clients move from acquisition through to refinance or exit. We factor sustainability into our lending decisions, supporting long-term housing needs and responsible investment. We focus on clarity, structured lending and consistent delivery, building long-term relationships with brokers and their clients. W H A T W E S P E C I A L I S E I N : We structure bridging, development and term funding for complex residential investment, including HMOs, MUFBs, semi-commercial property, holiday lets, BTR and PBSA. We support portfolio landlords, professional investors and SME developers across acquisition, refinancing, refurbishment and exit strategies. MEET THE TEAM: Henry Manley-Cooper

Neil Leitch

Specialist Mortgages and Bridging Finance 0207 862 6200 henry.manley-cooper@htb.co.uk

0113 360 3271 neil.leitch@htb.co.uk

Andrea Glasgow

Scott Apps

DEPUTY MANAGING DIRECTOR, BRIDGING FINANCE

SALES DIRECTOR, SPECIALIST MORTGAGES AND BRIDGING FINANCE

0207 886 4718 andrea.glasgow@htb.co.uk

80 Fenchurch Street London EC3M 4BY

64 | The Index

www.htb.co.uk

MANAGING DIRECTOR, DEVELOPMENT FINANCE

HEAD OF DISTRIBUTION, DEVELOPMENT FINANCE

0207 903 0137 scott.apps@htb.co.uk

specialistmortgages@htb.co.uk developmentfinance@htb.co.uk

Product types

Bridging, development, specialist BTL and term

Charges

1st

Funding model

Deposit backed and securitised

FCA regulated

Yes

Interest range

Bridging from 0.70% per month; term from 5.54%; development from 7.50%

Fixed/variable interest

Both available

Treatment of interest & default interest

Rolled, retained and serviced; default interest charged only

Sectors

Residential, development, semi-commercial,

where contractually agreed, capped and transparent HMO, MUFB, PBSA and holiday lets

Max LTV

75%

Max LTGDV

70%

Max LTC

Up to 90%

Min & max loan term

Bridging 12–24 months; Term 5–30 years; Development 12–30 months

Min & max loan size

£100,000–£35m

Min property value

£100,000

Valuation retypes

Yes

Rental calculations & exposure

Specialist stress testing with bespoke affordability for portfolio and complex scenarios

Geographical lending areas

England, Scotland and Wales

Types of valuation accepted

AVMs, short form residential and Red Book, and long form

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Yes, Grade II only

Green/Sustainable product

No (sustainability considerations embedded within lending decisions)

Planning permission needed

Yes (development); case-by-case on bridging

Commission rate

By agreement

Associations/Charters

FIBA, NACFB, BDLA and IMLA

Types of landlords accepted

Individuals, limited companies, LLPs and portfolio landlords

Upfront fees

Broker portal

Yes

Early redemption charges

Yes (term); No (bridging)

Investment

Yes

Owner occupied

Electronic signatures accepted

Yes

Lending on land

Yes, with planning

The Index | 65

Notes:

OPPORTUNITY KNOCKS. CERTAINTY DELIVERS. As one of the sector’s best capitalised lenders, Hilco Real Estate Finance offers levels of speed, certainty and service that are unmatched.

Hilco Real Estate Finance W H O W E A R E : Hilco Real Estate Finance (“HREF”) was established in 2023 and has quickly emerged as a lender of choice for large loans to the real-estate sector. Working across the full range of residential and commercial asset classes, HREF offers institutional grade financing alongside an entrepreneurial and flexible approach to meet clients’ short and medium-term financing needs. Backed by the Hilco Global group- a subsidiary of The ORIX Group, one of the world’s largest global investment managers with over $565bn of assets under management- HREF is one of best capitalised lenders in the sector. O U R E T H O S : HREF boasts one of the sector’s most experienced teams, made up of finance experts alongside industry specialists across a variety of sectors, including residential and commercial as well as alternative asset classes including hotels, care homes, holiday parks, student accommodation, and agricultural. This expertise underpins the firm’s philosophy of “entrepreneurial flexibility alongside institutional rigour”, allowing us to make better informed, quicker decisions that align with borrowers’ needs. W H A T W E S P E C I A L I S E I N : A sector agnostic lender, HREF offers bridging and medium-term finance across the UK and Ireland. With short-term lending options from £3m to more than £150m up to two years, and medium-term loans for two-to-six year terms, we have a solution for most borrowing requirements. MEET THE TEAM: Sean Adams

Alexey Shokhin

sadams@hilcoglobal.com 07968 553341

ashokhin@hilcoglobal.com 07984 748 773

Matt Watson

Steve Allen

mawatson@hilcoglobal.com 07900 570 197

sallen@hilcogobal.com 07547 222420

MANAGING DIRECTOR

SENIOR BUSINESS DEVELOPMENT CONSULTANT

DIRECTOR

20 North Audley Street Mayfair, London W1K 6WE

68 | Lender Index

DIRECTOR

hilcoglobal.com/companies/ hilco-real-estate-finance/

info@hilcoglobal.com

Product types

Bridging finance and medium-term loans

Charges

1st

Funding model

Funded via parent co Orix Group and independent funding lines

FCA regulated

No, but registered for AML / KYC purposes

Interest range

Bridging from 0.59% per month

Fixed/variable interest

Fixed and variable offered (variable dependent on transaction size)

Treatment of interest & default Interest can be rolled, retained or serviced, or interest a combination of both. Totally flexible criteria. Default interest variable per transaction. Sectors

All sectors considered

Max LTV

80%

Max LTGDV

N/A

Max LTC

80%

Min & max loan term

24 months max, min by negotiation (bridging), 5 years +1 +1, 24 months min (medium-term lending)

Min & max loan size

Min £3m, no max

Min property value

£4m

Valuation retypes

Yes

Rental calculations & exposure Per deal basis Geographical lending areas

All UK & Republic of Ireland

Types of valuation accepted

Full red book

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/Sustainable product

Yes

Planning permission needed N/A Commission rate

By negotiation

Associations/Charters

NACFB

Types of landlords accepted

All

Upfront fees

Yes, by negotiation

Broker portal

Early redemption charges

Yes, if within min period

Investment

Yes

Owner occupied

Yes (non-regulated)

Electronic signatures accepted Yes Lending on land

Lender Index | 69

Now lending from £3m to £150m across bridge, short-term and medium-term loans in the UK and Ireland. Contact us at HREFEnquiries@hilcoglobal.com

Notes:

InterBay W H O W E A R E : At InterBay, we specialise in commercial, semi-commercial, BTL and bridging finance. We’re experts in delivering bespoke solutions for brokers. Our in-house teams, including our national sales team, real-estate specialists, completions and underwriting, work collaboratively to structure tailored lending solutions that support borrowers in achieving their goals. With extensive market knowledge, an experienced team and a broad product range, we’re committed to finding a way forward. Explore our full range of products and lending criteria to discover why we’re your trusted industry experts. O U R E T H O S : We understand the importance of building strong, long-lasting relationships with our brokers and are keen to work alongside them so that we can find the best possible solution for their clients. With our range of innovative products and flexible, supportive service, you have the backing of a specialist lender that not only understands the market, but who understands your specific needs. Leveraging our extensive market knowledge, we look to say ‘yes’ where others say ‘no’. However challenging or straightforward a case may seem, we’re always determined to deliver. W H A T W E S P E C I A L I S E I N : We offer: a dedicated in-house lending team - multiple securities on a single loan - options available for mixed property portfolios - flexible criteria, combined with manual underwriting - experience with complex proposals and ownership structures - lending against investment value considered for commercial properties down.

Office address - Solent Business Park, Forum 4, Whiteley, Fareham, Hampshire PO15 7AD

72 | Lender Index

www.interbay.co.uk/contact-us

enquires@interbayuk.com

Product types

Commercial, semi-commercial, BTL and bridging

Charges

1st

Funding model

Retail deposits

FCA regulated

Interest range

Product dependent – refer to website

Fixed/variable interest

Fixed

Treatment of interest & default interest

Product dependent – refer to website

Sectors

Retail, light industrial, offices, food outlets, childcare day nurseries, pharmacies and GP & dental surgeries

Max LTV

75%

Max LTGDV

Product type dependant – refer to website

Max LTC

Product type dependant – refer to website

Min & max loan term

Product type dependant – refer to website

Min & max loan size

Product type dependant – refer to website

Min property value

Product type dependant – refer to website

Valuation retypes

Yes (refer to account manager)

Rental calculations & exposure

Property and customer type dependant – refer to website

Geographical lending areas

England and Wales

Types of valuation accepted

Short and long form

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Grade I and Grade II*

Green/Sustainable product

EPC reductions via Select Club brokers

Planning permission needed

Yes

Commission rate

For further information, speak to our national specialist finance sales team

Associations/Charters

UK Finance, IMLA, AMI, FLA, NACFB, FIBA, and the Financial Services Forum

Types of landlords accepted

Portfolio and non-portfolio landlords, HMOs, SPVs, trading company, trust and SIPP/SASS

Upfront fees

Yes

Broker portal

Yes

Early redemption charges

Yes

Investment

Yes

Owner occupied

Yes

Electronic signatures accepted

Lending on land

Lender Index | 73

Notes:

Lendco W H O W E A R E : Lendco is one of the UK’s leading specialist lenders, providing bridging loans and BTL mortgages for property investors across England and Wales. We offer funding from £150,000 to £10m, up to 75% LTV, with terms ranging from 2 months to 30 years. Combining a user-friendly application portal with dedicated human support, we help brokers every step of the way. With a ‘can do’ ethos, we focus on delivering flexible solutions that enable our broker partners and their clients to succeed. W H A T W E S P E C I A L I S E I N : We are specialists in complex bridging requirements and BTL mortgages. Our products cover residential, commercial and semi-commercial assets, as well as land with planning, and a range of borrower profiles including first-time landlords, foreign nationals, and limited companies. MEET THE TEAM: Alex King

Ben Pike

07968 553 317 aking@lendco.co.uk

07519 328 426 bpike@lendco.co.uk

Graham Palmer

James Phillips

07541 689 262 gpalmer@lendco.co.uk

07519 328 425 jphillips@lendco.co.uk

EXECUTIVE DIRECTOR

SENIOR BROKER SALES EXECUTIVE - BTL

BUSINESS DEVELOPMENT SPECIALIST - BRIDGING

9th Floor, 24 Monument Street, London, EC3R 8A

76 | Lender Index

www.lendco.co.uk

SENIOR BROKER SALES EXECUTIVE - BTL

sales@lendco.co.uk

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest and default interest

Bridging, BTL, product transfers, land with planning

Residential, commercial, semi-commercial, land with planning

Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

1st Institutional investment No (CBTL permitted) Bridging from 0.69%, BTL from 4.29% + 3 months Sonia Fixed, tracker Rolled, serviced. Can extend 12 months on BTL by referral, subject to partial underwrite. Default bridging rate 2%pm 75% 70% N/A 2 months–30 years £100,000-£5m (£10m by referral) £150,000 Yes by approval Yes England and Wales AVMs, retypes, Red Book, short-form Yes Yes Yes–Grade II No Yes–for land Bridging up to 2%, BTL 0.75% NACFB Limited companies, trading companies, individual, first-time, portfolio, foreign nationals and expats Yes Yes Yes Yes No Yes Yes

Lender Index | 77

LendInvest W H O W E A R E : LendInvest Mortgages delivers fast, flexible property finance to meet your clients’ demands. From bridging and development to BTL and residential, we support investors, portfolio landlords and homeowners with a tech-led approach. We’ve redefined the application process, allowing brokers to submit bridging enquiries in minutes. By blending industry expertise with market-leading technology, we make every deal move faster. We’re dedicated to providing bespoke service and solutions to our intermediary partners, ensuring that today’s modern property professionals thrive. O U R E T H O S : LendInvest’s mission is to make mortgages simple for everyone. Our Mortgages Portal combines up-to-date technology with in-house expertise, making the financing journey easier for brokers and clients alike. W H A T W E S P E C I A L I S E I N : We specialise in regulated and unregulated bridging finance, including refurbishment, development exit and financing for ground-up development projects. We offer fixed and tracker BTL loans for standard properties, HMOs and MUFBs; and residential mortgages for borrowers with adverse credit and complex income streams. MEET THE TEAM: Michael Minnie

Daryl Sabatini

0203 836 1837 michael@lendinvest.com

0203 836 1837 daryl.sabatini@lendinvest.com

Caelan Gokani

Chris Bean

0203 836 1837 caelan.gokani@lendinvest.com

0203 836 1837 chris.bean@lendinvest.com

HEAD OF SALES FOR BRIDGING

BRIDGING BDM

4-8 Maple Street London W1T 5HD

78 | Lender Index

BRIDGING BDM

RELATIONSHIP DIRECTOR, STRUCTURED FINANCE

www.lendinvest.com

enquiries@lendinvest.com

Product types Charges

Bridging, development, BTL and term

Funding model

Alternative property finance platform funded by public and private securitisation, Luxembourg funds, forward flows, HNWs & listed bonds

FCA regulated Interest range Fixed/variable interest Treatment of interest and default interest

Yes

Sectors

Residential mainly; semi-commercial, commercial and land on short-term lending side

Bridging 85%

Upfront fees

Broker portal

Yes

Early redemption charges

Bridging: no; development: exit fee

Investment

Yes

Owner occupied

Yes

Electronic signatures accepted

Yes

Lending on land

Yes

1st; 1st and 2nd combined for regulated bridging only

Bridging from 0.82%; refurb GDV from 0.89%; development 5.5% + BBR Bridging fixed; development variable Rolled, retained and serviced; Default - additional 1.25% fee with default rate at 2% - calculated daily

Development 70% 85% Bridging: 3-12 months; development: 3-24 months Bridging: £75,000–£15m; development: £1m–20m Review min loan size Yes; case-by-case Case-by-case England, Scotland and Wales AVMs, desktop, retypes, Red Book Yes Yes Yes No Yes N/A Limited Companies, individuals, first time and portfolio

Lender Index | 79

FOR INTERMEDIARIES ONLY

Cut the Short-term and flexible financing for your clients property projects. From Refurbishments to Regulated Bridging we have fast and simple solutions.

Highlights: • Regulated bridging and unregulated loans up to £15m • Refurbishment GDV 75% day one / 100% costs / 70% LTGDV • Refurbishment bridge up to 85% Gross LTV • Dual Representation and AVMs up to 75% • Bridge to let - with incentives on solicitor and valuation costs • Speed and certainty - expert people supported by leading technology

Simple, for everyone. www.lendinvest.com tel: 0203 836 1837 enquiries@lendinvest.com

London Credit W H O W E A R E : London Credit, an experienced principal lender with over 14 years in the market, offers fast financing with streamlined procedures. With ample resources and a proficient team, we ensure efficient completion of bridging and development enquiries. As part of a large group specialising in investments and real estate management, we provide prompt offers within hours, complete due diligence checks in 24 - 48 hours and use experienced solicitors to overcome obstacles. Client satisfaction and delivering what we promise are our priorities, and our straightforward process has no hidden fees. O U R E T H O S : London Credit is committed to delivering on its promises. Our experienced professionals are dedicated to providing exceptional assistance and customised solutions. Collaborating closely with introducers and clients, we tailor solutions to address their needs, from pre-drawdown to term and post-redemption. Our dedication to client satisfaction ensures a high level of professionalism in loan execution and management. Our financing process is straightforward and user friendly, prioritising ease of use for our valued clients. W H A T W E S P E C I A L I S E I N : As a principal lender, London Credit provides fit-for-purpose specialist funding. We offer competitive short-term loans, through our extensive funding and experienced team. We specialise in bridging loans for residential, semi-commercial and commercial properties, refurbishment and development finance, and aim to complete all enquiries smoothly and on time. MEET THE TEAM: Jake Mccausland

Chris Stylianides

07858 308 656 jake.mccausland@londoncredit.com

07585 338 684 chris.stylianides@londoncredit.com

Constantinos Savvides

Andy Georgiou

07789 266 976 constantinos.savvides@londoncredit.com

07795 233 456 andy.georgiou@londoncredit.com

HEAD OF DEVELOPMENT FINANCE

HEAD OF UNDERWRITING

4th Floor, 22 Soho Square, London, W1D 4NS

82 | Lender Index

www.londoncredit.com

HEAD OF BUSINESS DEVELOPMENT

SENIOR BUSINESS DEVELOPMENT MANAGER

enquiries@londoncredit.com

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest and default interest

Bridging and development

Residential, commercial and semi commercial

1st and 2nd Equity, private and institutional investors and funding lines No Bridging from 0.69%; development from 0.79% Fixed Rolled, retained, serviced

75% residential; 70% semi commercial; 70% commercial 70% 90% 3–18 months £150,000–£4m £200,000 Case-by-case N/A England Red Book Yes Yes Yes No Yes Up to 2% NACFB and BDLA Limited companies, individual, first-time and portfolio No No Yes Yes No No No

Lender Index | 83

Notes:

Masthaven W H O W E A R E : Brokers tell us they want a lender who means what they say on day one – and that’s exactly how we operate. We can provide more than “indicative terms.” Our credit team can also assess your case before we issue a term sheet - so, when you present it to your client, you can do so with total conviction because it’s already backed by a commitment from us. Our underwriters are directly accessible, and decisions are made by experienced people. We’re also open to reviewing cases early before full packaging, to provide more certainty when it matters.. O U R E T H O S : We believe in honest conversations and keeping our word because that’s exactly how trust is built. For over 20 years, we have shown that reliability is about people you can always reach and promises you can count on. You can pick up the phone to anyone here and know you will get a straight answer from the start. We have grown with the market, adapted with the times but have never changed what matters most: trusted people making trusted decisions, and delivering loans exactly as promised. That’s the Masthaven way. It always has been. W H A T W E S P E C I A L I S E I N : Masthaven Finance offers specialist lending across England, Scotland and Wales. From regulated and unregulated bridging (first and second charge)to complex credit, heavy refurb with drawdowns, developer exit, commercial bridging, mortgages, secured loans and both regulated and non- regulated development finance. MEET THE TEAM: Jim Baker

Ginny Warby

07870 842 613 jim.baker@masthaven.co.uk

07939 580 401 ginny.warby@masthaven.co.uk

Chris Parr

Josh Hawker

SALES DIRECTOR - BRIDGING & DEVELOPMENT

HEAD OF SALES – MIDLANDS, NORTH & SCOTLAND

07497 000 508 chris.parr@masthaven.co.uk

Academic House 24-28 Oval Road London NW1 7DJ

86 | The Index

SENIOR BDM - SOUTH EAST & LONDON

SENIOR BDM – SOUTH WEST & SOUTH WALES

07300 404 347 josh.hawker@masthaven.co.uk

bridging@masthaven.co.uk

Product types

Bridging, development, self-build and commercial

Charges

1st and 2nd charge (or a combination of both) + cross charge

Funding model

Institutional bank funding, mezzanine investors, shareholders and private equity

FCA regulated

Yes

Interest range

Bridging from 0.79 – 1.09%; development from 0.89 – 1.14%

Fixed/variable interest

Fixed

Treatment of interest & default interest

Rolled for regulated; retained for non-regulated. Extension fee is 1.5%. Interest on a non-regulated case would revert to rolled up interest in an extension as no longer retained

Sectors

Residential, development and commercial

Max LTV

75%

Max LTGDV

70%

Max LTC

100%

Min & max loan term

Regulated 1–12 months, Non-regulated 1–18 months

Min & max loan size

£50,000–£3m (higher by referral)

Min property value

£100,000 (lower by referral)

Valuation retypes

Yes (by referral)

Rental calculations & exposure

N/A

Geographical lending areas

England, Wales and mainland Scotland

Types of valuation accepted

AVMs, Red Book, OMV and retypes (by referral)

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Grade II; Grade I (by referral)

Green/Sustainable product

Planning permission needed

By referral

Commission rate

Up to 2% of net

Associations/Charters

BDLA and NACFB

Types of landlords accepted

Limited company, individual, first-time, and portfolio

Upfront fees

Valuation and legal fees only

Broker portal

Early redemption charges

Investment

Yes

Owner occupied

Yes

Electronic signatures accepted

Yes

Lending on land

Yes (by referral)

The Index | 87

Mint Property Finance W H O W E A R E : Mint Property Finance has a strong track record in property-backed funding. As part of the wider Mint group, we benefit from a skilled, well-established team delivering efficient, reliable service. We offer up to 90% lending products and pride ourselves on fast turnaround times, with deals typically completed within days. Our focus extends beyond simply providing funding; we work tirelessly to streamline processes, remove friction and enhance every stage of the customer journey for brokers and borrowers alike. O U R E T H O S : Mint Property Finance is committed to delivering consistent value to our clients and partners. With strong funding lines and capital ready to deploy throughout 2026, we are well-positioned to support a wide range of property transactions. Our focus remains on speed, flexibility and reliability, ensuring borrowers can access funding quickly while benefiting from a straightforward, solutions-driven approach tailored to their needs. W H A T W E S P E C I A L I S E I N : Mint Property Finance specialises in fast, flexible property-backed bridging and short-term finance. Through our range of bridging, refurbishment, development and investment finance products, we support acquisitions, refinances and refurbishments with tailored funding solutions and up to 90% lending to help clients maximise opportunities and complete transactions quickly. MEET THE TEAM: Irene Thomas

John Steel

Main: 0161 710 2006 Direct: 0161 710 2731 irene.thomas@mintpf.co.uk

Main: 0161 710 2006 Direct: 0161 710 2582 John.Steel@mintpf.co.uk

Adam Robson

Corey Burns

Main: 0161 710 2006 Direct: 0161 710 2763 Adam.Robson@mintpf.co.uk

Main: 0161 710 2006 Direct: 0161 470 7167 Corey.Burns@mintpf.co.uk

MANAGING DIRECTOR

BDM

HEAD OF KEY ACCOUNTS

Peel House, 30 The Downs, Altrincham, Cheshire WA14 2PX

88 | Lender Index

BDM

www.mintpropertyfinance.co.uk

hello@mintpf.co.uk

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest and default interest Sectors Max LTV Max LTGDV Max LTC Min & max loan term Min & max loan size Min property value Valuation retypes Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Bridging, development, BTL and term 1st and 2nd HNWs and institutional funding lines No Bridging from 0.75%; development from 0.80% Variable Rolled, retained, serviced. Standard rate interest charged on defaulting loans (3%) Residential, development office, industrial, retail, HMO 90% 65% N/A Up to 18 months £75,000–£3m N/A Yes N/A England and Wales AVMs, desktop, retypes, Red Book Yes Yes Yes, only Grade II listed buildings No Yes where required Up to 2% of the arrangement fee BDLA, FIBA Limited companies, individual, first-time and portfolio No for all loans except development where there is £995 upfront set up fee No No Yes Yes on 2nd charge business loans No Yes, where there is planning permission granted and we are doing the development

Lender Index | 89

MVC Development Finance Ltd W H O W E A R E : MVC is a family-owned residential development funder. We are run by experienced property professionals with extensive first-hand development experience and have been lending to small and medium sized developers and builders for 25 years. We regularly receive repeat business from developers and have long-established relationships, some of which go back over 20 years. O U R E T H O S : We are traditional in our approach and pride ourselves in providing an excellent service. Our offers are easy to understand, and we do not have hidden charges or fees. We are looking to build long-term relationships based on trust and performance. W H A T W E S P E C I A L I S E I N : Our product is simple: we provide senior funding for residential development. We lend up to 65% of GDV and our loans are typically £750,000–£3,500,000. Geographically, we cover most of England, from Devon in the South West to Manchester and Leeds in the North. MEET THE TEAM: Jon Mann

Pauline Biscoe

01277 351 860 jon.mann@mvcfinance.co.uk

01277 351 860 pauline.biscoe@mvcfinance.co.uk

HEAD OF OPERATIONS

The Old Dairy Radley Green Farm Radley Green Farm Road Ingatestone, Essex CM4 0LU

90 | The Index

MANAGER—EXECUTIVE SUPPORT

www.mvcfinance.co.uk

enquiries@mvcfinance.co.uk

Product types

Development

Charges

1st

Funding model

In-house funds

FCA regulated

Interest range

9.75%–13%

Fixed/variable interest

Variable

Treatment of interest & default Rolled, quarterly interest Sectors

Residential

Max LTV

N/A

Max LTGDV

65%

Max LTC

85%

Min & max loan term

Development: 12–18 months

Min & max loan size

Development: £750,000–£3,500,000

Min property value

N/A

Valuation retypes

Yes

Rental calculations & exposure N/A Geographical lending areas

England and Wales

Types of valuation accepted

Red Book and in-house

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Green/Sustainable product

Yes

Planning permission needed Yes Commission rate

Case by case

Associations/Charters

N/A

Types of landlords accepted

N/A

Upfront fees

Yes

Broker portal

Early redemption charges

Investment

Owner occupied

Electronic signatures accepted Negotiable Lending on land

The Index | 91

Morpheus Lending W H O W E A R E : Morpheus Lending is a bridging lender on a mission to modernise the specialist lending market, through a digital-first approach backed by extensive human experience. The business delivers fast, reliable outcomes, with average completions achieved in 7-10 days rather than weeks. This comes with prompt commercial decision-making throughout, and access to key senior teams. Morpheus’ relationship-first approach to solving client problems, supported by market-leading technology, is a key factor in its recent £120m fundraise and its growth since launching O U R E T H O S : Morpheus Lending’s ethos is built around certainty, transparency and responsible lending which delivers fast and dependable outcomes – all whilst maintaining a pragmatic, commercial approach. The business is committed to supporting its local community with various partnerships and charitable causes across Salford, Manchester and Lancashire. Morpheus Lending has significant committed capital available to deploy throughout the 2026/2027 period, enabling further technological enhancements and consistent support for brokers and borrowers across bridging and further afield. W H A T W E S P E C I A L I S E I N : Morpheus Lending specialises in standard bridging finance across all asset types, as well as below-market-value transactions and light refurbishment loans up to 85% LTV. They complete transactions in as little as seven days, supported by dual representation legals and free AVMs. They also provide auction-assured funding. MEET THE TEAM: Matt Mawdesley

Stuart Dunk

07791 892 082 matt@morpheuslending.co.uk

07743 135 493 stuart@morpheuslending.co.uk

James Dewey

Sonny Gohel

07495 039 983 james.dewey@morpheuslending.co.uk

07598 055 053 sonny@morpheuslending.co.uk

CEO & FOUNDER

FINANCE AND TREASURY DIRECTOR

SENIOR BUSINESS DEVELOPMENT MANAGER

Ministry of Work, 41 New Cross Street, Manchester, M27 4TU

92 | Lender Index

HEAD OF OPERATIONS

www.morpheuslending.co.uk

enquiries@morpheuslending. co.uk

Product types Charges

Bridging and light refurb 1st charge; additional 2nd charge subject to 1st charge on other security property

Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest and default interest

Institutional funding lines

Sectors Max LTV

Residential, commercial and semi-commercial

No Rates from 0.89% per month Fixed Retained, serviced and hybrid interest - no exit fees charged on redemption. Daily rate - interest charged on redemption. Loan extensions available 85% light refurb; 75% residential; 65% semi-commercial/commercial; 60% land with planning

Max LTGDV Max LTC Min & max loan term Min & max loan size Min property value Valuation retypes Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted

N/A 80% plus all transaction costs on BMV 3–18 months £50,000–£5m (will consider higher by exception) £65,000 residential; £150,000 commercial Yes N/A England and Wales AVMs, Red Books, short forms and desktops Yes, subject to build control sign off and new build warranty at completion No Yes Yes No Flexible, based on requirement case-by-case FCA Annex I Individuals, first-time owners, limited companies, LLPs, sole traders, partnerships, SIPPs & SASSs and trusts

Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

No Yes No Yes No Yes Yes, on land with planning

Lender Index | 93

MS Lending Group W H O W E A R E : Set up in 2021 and offering no minimum loan size from the start, the company has grown to over 30 members of staff and lent over £575m. MS Lending Group is a fast, flexible and reliable bridging lender. We respond to all new enquiries within a couple of hours and offer terms and instruct the same day. We don’t believe in upfront costs, and all loans are individually underwritten. Using AVMs and Desktop valuations we can complete without a full valuation. Bridging should be fast– and MS Lending Group is exactly that. O U R E T H O S : We’re not tick box, and we don’t believe bridging should be either. We are proactive and relentless in seeking the best outcome for our clients. We love to discuss the complexities and intricacies of a deal. We pride ourselves on doing exactly what we say we will do and our reputation and feedback in the industry are testament to our great service. We are here to innovate the bridging market, offering no minimum loan size, no valuation, day rate bridging, light refurbishment bridging and more. W H A T W E S P E C I A L I S E I N : Our speed and service make us the fastest lender in the market, instructing the same day. We are flexible, with a case-by-case approach and no strict loan-to-value criteria and checklists. We are reliable- if we say we will do it, no way we will let you down. MEET THE TEAM: Tom Herbert

Alec Lawrence

RELATIONSHIP MANAGER (THE NORTH & SCOTLAND)

RELATIONSHIP MANAGER - LONDON

tomherbert@mslendinggroup.co.uk 07586 552179

aleclawrence@mslendinggroup.co.uk 07345 454359

Ash Kendall

Alex Wright

RELATIONSHIP MANAGER (MIDLANDS & WALES)

RELATIONSHIP MANAGER - SOUTH EAST

ashkendall@mslendinggroup.co.uk 07353 150662

alexwright@mslendinggroup.co.uk 077410 96999

Peter Maina

Dylan Rose

petermaina@mslendinggroup.co.uk 07353 150717

dylanrose@mslendinggroup.co.uk 07974 233 839

RELATIONSHIP MANAGER - THE SOUTH

Sandfield House Water Lane Wilmslow, Cheshire SK9 5AR

94 | Lender Index

SALES SUPPORT TEAM LEADER

www. mslendinggroup.co.uk

enquiries@mslendinggroup. co.uk

Product types:

Bridging

Charges:

1st and 2nd

Funding model:

HNWs and institutional

FCA regulated:

Interest range:

Bridging from 0.8%

Fixed/variable interest:

Variable

Treatment of interest + default interest:

Options of fully retained, part serviced, part retained and rolled

Sectors:

Residential, commercial, semi-commercial, HMO and industrial

Max LTV:

85%

Max LTGDV:

N/A

Max LTC:

N/A

Min & max loan term:

No min; max 18 months

Min & max loan size:

No min; no max

Min property value:

No min

Valuation retypes:

Yes

Rental calculations & exposure:

N/A

Geographical lending areas:

England, Wales and Scotland

Types of valuation accepted:

AVMs, desktop, retypes, Red Book and no valuation

New builds:

Yes

Heavy Refurb:

Grade listed buildings:

Yes

Green/sustainable product:

Yes, EPC and social housing; £1,000 back if you improve EPC rating

Planning permission needed:

Commission rate:

Up to 2%

Associations/Charters:

Registered with FCA

Types of landlords accepted:

All

Upfront fees:

Broker portal:

Early redemption charges:

Yes

Investment:

Yes

Owner occupied:

Yes

Electronic signatures accepted:

Yes

Lending on land:

Yes

Lender Index | 95

MT Finance W H O W E A R E : MT Finance is a multi-award winning and market-leading specialist finance lender focused on commercial, buy-to-let mortgages, and bridging loans. Since 2008 the company has excelled at delivering fit-for-purpose specialist loans at speed, and its approach to lending is something it has been consistently recognised for within the specialist finance industry. O U R E T H O S : MT Finance’s commitment to ESG includes supporting UK charities, annual governance auditing, a rigorous recycling regime, providing valuable work experience opportunities for students and a cashback scheme that awards £250 credit to borrowers who achieve an energy performance (EPC) rating of A or B at any time during the term of their loan. We are also proud to be a signatory of the HM Treasury Women in Finance Charter. To find out about the many ways we are making a difference please visit our website. W H A T W E S P E C I A L I S E I N : We specialise in providing seamless specialist finance solutions for the bridging, buy-to-let and commercial markets. MEET THE TEAM: Joe Grace

Nigel Robbins

07309 718 034 joe@mt-finance.com

07943 150 225 nigel@mt-finance.com

James Briggs

Richard Sherman

07985 532 739 jamesb@mt-finance.com

07366 144 697 richard@mt-finance.com

SENIOR BUSINESS DEVELOPMENT MANAGER

NATIONAL ACCOUNT MANAGER

Office address Level 20, Broadgate Tower, 20 Primrose Street, London EC2A 2EW

98 | Lender Index

www.mt-finance.com

NATIONAL ACCOUNT MANAGER

SENIOR BUSINESS DEVELOPMENT MANAGER

enquiries@mt-finance.com

Product types Charges Funding model FCA regulated Interest range

Bridging, BTL and commercial mortgages 1st and 2nd (bridging only) Institutional funding lines Yes Bridging from 0.89%; BTL from 2.99%; semi-commercial from 7.20%; commercial from 7.29%

Fixed/variable interest Treatment of interest & default interest Sectors Max LTV Max LTGDV Max LTC Min & max loan term Min & max loan size Min property value Valuation retypes Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Fixed Bridging: retained, serviced; mortgagees: interest only and capital repayment Residential, semi-commercial, commercial (bridging only), office, retail, BTL, HMO, PBSA, industrial, leisure and MUFB Bridigng 70%; BTL 80%; Commercial 75% N/A N/A Bridging 3–24 months; Mortgages up to 35 years Bridging £50,000–£5m; BTL £25,001-£3m; commercial £100,000–£2.5m £50,000 on BTL and £100,000 on bridging Yes All 5-year mortgages stressed payrate at 125%. Refer for 2-year mortgage stress. N/A for Bridging. England and Wales AVMs (bridging only), retypes, short form, Red Book Yes Yes Yes No Bridging: case-by-case; Mortgages: Yes Bridging up to 2%; BTL case-by-case; semi-commercial and commercial 1.5% Personal borrowers; FTB / FTL; limited companies; expats; portfolio Yes – BTL and Commercial Mortgages: Yes; Bridging: No Mortgages: Yes; Bridging: No Yes Bridging: Yes; Mortgages: No No No

Lender Index | 99

Octane Capital W H O W E A R E : Octane Capital was recently acquired by Aldermore Bank. Established in 2017, our founders, Jonathan Samuels and Matt Smith, were also behind successful specialist lender Dragonfly Property Finance. We offer bridging, refurbishment and developer exit finance with one of the cheapest rates in the market (0.69% per month (BBR linked)). We are proud to have lent over £2.2bn since inception. O U R E T H O S : Our emphasis is on certainty, delivery and service. In terms of certainty, our funding is from our parent company, Aldermore Bank. For delivery, we have assembled one of the market’s most experienced teams to ensure we have the best chance of delivering for your clients. When it comes to service, whether it’s providing credit-backed terms in two hours, fully underwriting new applications in 48 hours or responding to all underwriting queries within 24 hours, we believe we provide industry-leading levels. W H A T W E S P E C I A L I S E I N : We focus on short-term finance secured on residential and semi-commercial property. We fund refurbishment projects of all shapes and sizes – including light, heavy, structural and change-of-use projects. We also have a strong appetite for developer exit loans, including those not yet at practical completion. MEET THE TEAM: Jonathan Samuels

Matt Smith

0345 222 9009 jonathan@octanecapital.co.uk

07813 577 584 matt@octanecapital.co.uk

Richard Deacon

Rick Hollingsworth

07817 822 554 richard.deacon@octanecapital.co.uk

07398 147 373 rick@octanecapital.co.uk

CEO

DIRECTOR OF CREDIT AND RISK

MANAGING DIRECTOR (SALES)

Haskell House 152 West End Lane London NW6 1SD

102 | Lender Index

HEAD OF SHORT-TERM CREDIT

www.octanecapital.co.uk

deals@octanecapital.co.uk

Bridging – refurb and development exit 1st only Funded by Aldermore Bank Plc No Rates across all products start from 0.69% pm (BBR Linked) Fixed and variable Rolled Residential investment properties, commercial-toresidential conversions, HMO and MUFB 75% 75% 85% 1–24 months £150,000–£15m £200,000 Yes N/A England and Wales AVM, remote, and Red Book Yes Yes Grade II Listed Only No No 1.5-2% Proc No Limited companies, individual, first-time and portfolio No No No Yes No Yes No

Lender Index | 103

From plans

Developer exits, including before PC

Decorative refurbishments

Structural refurbishments loft conversions and extensions

House to HMO/ flats conversions

Semi-commercial refurbishments

Pre-planning acquisitions

To profit

Credit-backed terms in 2 hours Full underwriting of new applications in 48 hours Access to the Credit Managers

0345 222 9009

deals@octanecapital.co.uk

octanecapital.co.uk

For use by mortgage intermediaries only. Rates can go up or down with BBR. Octane Capital is a trading name of Aldermore Bank PLC. Aldermore Bank PLC is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority (Financial Services Register number: 204503). Registered Office: Apex Plaza, Forbury Road, Reading, RG1 1AX. Registered in England. Company No. 947662. Invoice Finance, Commercial Mortgages, Property Development, Buy-To-Let Mortgages and Asset Finance lending to limited companies are not regulated by the Financial Conduct Authority or Prudential Regulation Authority. Asset Finance lending where an exemption within the Financial Services and Markets Act 2000 (Regulated Activities) Order 2001 applies, is exempt from regulation by the Financial Conduct Authority or Prudential Regulation Authority.

Ortus Secured Finance W H O W E A R E : Established in 2013, Ortus Secured Finance is a bank owned principal lender, part of Kvika Banki, providing structured real estate finance across the UK and Northern Ireland. With offices in London, Manchester and Belfast, we combine regional expertise with funding from £500,000 to £25 million. We focus on complex and transitional situations including operational real estate, offshore structures and evolving business plans. Typical completion timelines are 2 to 4 weeks. Ortus delivers certainty, flexibility and speed. We listen, then find a way. O U R E T H O S : Ortus Secured Finance takes a pragmatic, commercially-driven approach to lending, deploying its own capital as part of a well-capitalised banking group. We work with brokers and borrowers on complex transactions where structure, timing and certainty are critical. Our focus is on delivering flexible funding aligned to business plans rather than rigid criteria. By understanding each transaction, we provide dependable execution where traditional lenders cannot. Consistency, clarity and delivery underpin everything we do. W H A T W E S P E C I A L I S E I N : Ortus Secured Finance provides structured finance across commercial and residential property, including development exit and stabilisation loans. We support complex situations across offices, industrial, hotels, care homes and mixed-use assets, delivering flexible structures and certainty of execution. MEET THE TEAM: Jamie Russell

Matt Boggan

07741 196 308 jamie@ortussecuredfinance.co.uk

07775 096 565 matt.boggan@ortussecuredfinance.co.uk

Mel Howard

Rodger Long

COMMERCIAL DIRECTOR – LONDON & SOUTHEAST

RELATIONSHIP DIRECTOR – YORKSHIRE, NORTHWEST, NORTHEAST & SCOTLAND

RELATIONSHIP DIRECTOR – MIDLANDS & WALES

RELATIONSHIP ASSOCIATE – LONDON & SOUTHEAST

07467 188 508 mel.howard@ortussecuredfinance.co.uk

Nations House 103 Wigmore Stree London, W1U 1QS

106 | The Index

07876 851 721 rodger.long@ortussecuredfinance.co.uk

www.ortussecuredfinance.co.uk

enquiries@ortussecuredfinance. co.uk

Product types

Bridging, development, BTL and term

Charges

1st and 2nd (2nd charge only where makeweight security)

Funding model

FCA regulated

Interest range

Residential bridging at circa 0.85%; commercial bridging at circa 0.92%

Fixed/variable interest

Both

Treatment of interest & default interest

Can be serviced, retained, part-retained or interest roll-up.

Sectors

Hotels and leisure assets, care homes, holiday lets, industrial/warehouses, office, retail, semi-commercial/mixed use, portfolios and residential

Max LTV

Commercial – max 60% MV

Max LTGDV

Residential – max 70% MV

Max LTC

N/A

Min & max loan term

N/A

Min & max loan size

Up to 3 years

Min property value

£250,000–£25m

Valuation retypes

N/A

Rental calculations & exposure

Yes subject to approved valuer and timescales

Geographical lending areas

N/A

Types of valuation accepted

England, Wales, Scotland, Northern Ireland and Ireland

New builds

Red Book

Heavy Refurb

Yes – on development exit deals

Grade listed buildings

Green/Sustainable product

Yes

Planning permission needed

Commission rate

Yes

Associations/Charters Types of landlords accepted

Limited companies, individual, first-time, portfolio, SSAs, charities and offshore

Upfront fees

Broker portal

Early redemption charges

Investment

Yes

Owner occupied

Yes

Electronic signatures accepted

Yes

Lending on land

The Index | 107

WE LISTEN, THEN FIND A WAY. Jamie Russell

Mel Howard

Matt Boggan

Rodger Long

Commercial Director

Relationship Director

Relationship Associate

t: +44 7741 196 308

t: +44 7467 188 508

t: +44 7775 096 565

t: +44 7876 851 721

PRODUCTS PRODUCTS

DEVELOPMENT EXIT Flexible interest structures No ERCs or Exit costs Equity release to support projects

HIGH-VALUE SINGLE UNIT Support for complex borrower structures No ERCs or Exit costs Hybrid interest structures available

STABILISATION LOAN Underwritten on forward rental income & projections (trading) Terms up to 36 months Ideal for repositioning or lease-up

COMMERCIAL BRIDGING Bespoke structuring Rapid execution Ideal for auction purchases or repositioning

Shane Donnelly Director t: +44 7442 091 031

w: ortussecuredfinance.com t: 020 3637 5056 e: enquiries@ortussecuredfinance.co.uk

Pallas Capital W H O W E A R E : Established in 2016 by a team of professionals from law, finance, development and construction backgrounds, we have rapidly grown from a relatively small start-up to a team of over 275 people globally. With responsibility for property development assets and real estate lending across Australia, New Zealand, and the United Kingdom, our focus is exceptional customer service, speed and certainty of execution. Our bridging and development finance products cover every stage of the property cycle. Whether you’re acquiring, refurbishing, developing or refinancing, we can structure a facility that fits your project, anywhere in the UK. O U R E T H O S : Supported by diverse institutional funding lines, we provide maximum flexibility and responsiveness for brokers - a life-cycle lender that has the autonomy and surety of delivery to support your clients through a variety of scenarios with confidence. The origination and underwriting teams work seamlessly for a wholly positive case journey - from first enquiry through to completion and beyond. We actively engage with brokers on a level that invites collaboration and feedback - which we can pour back into our proposition to ensure we’re answering your needs and evolving with you. W H A T W E S P E C I A L I S E I N : We offer up to £35 million for mixed use, residential and commercial development, and bridging loans. Our funding covers a broad range of borrower needs, .including: purchase, refinance, equity release, development exit, refurbishment, ground-up development and refinancing of vacant land. MEET THE TEAM: Ben Keenan

Uliana Kuzmis

+44 7763 715 591 ben.keenan@pallascapital.co.uk

+44 7393 175 577 uliana.kuzmis@pallascapital.co.uk

Archie Dickinson

Anna Thompson

+44 7947 724 590 archie.dickinson@pallascapital.co.uk

+44 7824 165 881 anna.thompson@pallascapital.co.uk

EXECUTIVE DIRECTOR

CHIEF CREDIT OFFICER

ORIGINATOR

Fora Liberty House 3.01, 222 Regent Street London, W1B 5TR

110 | Lender Index

ORIGINATOR

www.pallascapital.co.uk

lending@pallascapital.co.uk

Product types Charges Funding model FCA regulated Interest range

Bridging and development 1st A diverse set of institutional funding lines No Bridging from 0.7% per month, refurb from 0.7% per month, dev exit from 0.75% per month, land from 0.9% per month and ground-up development from 9.5% pa

Fixed/variable interest Treatment of interest & default interest

Variable

Residential, commercial, mixed use and land

Rolled, serviced or retained

75% 70% 90% 9–36 months £750,000–£35m N/A Yes N/A UK-wide Red Book, retypes Yes Yes Yes No Yes Up to 2% NACFB, BDLA Limited companies, individuals and partnerships Yes No Yes Yes No Yes Yes

Lender Index | 111

Precise W H O W E A R E : We’re Precise: mortgage experts with a no-frills approach to lending. When it comes to bridging, we really know our stuff- our specialist finance sales team are skilled in both regulated and unregulated bridging finance. There’s also a Precise app to help brokers save time and stay in the know while out and about. Features include real-time case updates, customisable push notifications and on-the-go calculators. Plus, as part of OSB Group, our sales team can discuss solutions from InterBay, for commercial and semi-commercial lending. O U R E T H O S : We believe lending doesn’t need to be complicated, so our approach is simple: we provide the products your customer needs, when you need them. We’re proud to work exclusively with intermediaries and have designed our products and criteria with brokers in mind, alongside support from our experts and a best-in-class level of service. We’re aware of our responsibilities as a specialist lender and the positive impact we can make on society through our activities. As such, responding to the challenges and opportunities that ESG matters present has now become an integral part of OSB Group’s strategy. www.osb.co.uk/sustainability/esg-hub/environment W H A T W E S P E C I A L I S E I N : We specialise in residential mortgages and bridging. Our criteria are renowned for being clear-cut and straightforward, which means that you can find answers and compare information quickly and easily. No faff, no fuss!

Precise Mortgages, 2 Charter Court, PO Box 6037, Wolverhampton, WV1 9QW

112 | Lender Index

www.precisemortgages. co.uk/intermediaries/

enquiries@precisemortgages. co.uk

Regulated and non-regulated bridging 1st and 2nd Retail deposits Yes Refer to website Refer to website Refer to website Bridging and residential Product type dependant – refer to website Product type dependant – refer to website Product type dependant – refer to website Product type dependant – refer to website Product type dependant – refer to website Product type dependant – refer to website Yes, subject to referral Product/applicant specific – refer to website England and Wales AVM, short form and long form Yes Yes Yes: grade II England and Wales; grade C Scotland No Product type dependant – refer to website Speak to your BDM UK Finance, IMLA, AMI, FLA, NACFB, FIBA, and the Financial Services Forum Refer to website Only upfront fee is the valuation fee – refer to website Yes for 1st charge lending, no for bridging Product type dependent – refer to website Yes Yes Yes No

Lender Index | 113

Notes:

NOT ALL BRIDGING LENDERS ARE THE SAME. Fast. No frills. No fuss. Great value bridging.

Intermediaries only.

Roma Finance W H O W E A R E : At Roma, we’re the lender that stands beside you and your clients from first conversation to final exit. We focus on people before assets, taking a holistic view that supports confident decision-making. We move fast, with ten funding lines for flexibility, and offer AVMs, desktops and dual representation as standard. Our commitment continues beyond completion, supporting brokers and borrowers through build, exit and transition with clear communication and access to decision makers. With expertise across bridging, development and term lending throughout England, Wales and Scotland, we’re finance that goes further. This is relationship-led lending. This is #lovetolend. O U R E T H O S : At Roma, our ethos is built on empowering borrowers and creating prosperity through property. Guided by strong ESG values, we prioritise learning, collaboration, innovation and integrity. We underwrite the person before the property and champion education so colleagues, brokers and borrowers feel supported throughout their journey. We’re award‑winning for how we treat our people, promoting transformational leadership and contributing to our wider community. By growing talent from within and aligning every stakeholder to a shared purpose, we ensure our commitment to people drives everything we do. W H A T W E S P E C I A L I S E I N : Roma specialises in guiding borrowers through the full property journey. Our FLOW bridging, GROW development and PRO term ranges create a seamless cycle — from acquisition, through refurb or development, to releasing equity for the next project. We build lasting relationships through expertise and finance that goes further. MEET THE TEAM: Sonia Mann

George Tuffin

07779 258 787 sonia.mann@romafinance.co.uk

07458 044 022 george.tuffin@romafinance.co.uk

Mark Foley

Alisha Chu

07706 735 582 mark.foley@romafinance.co.uk

07516 507 929 alisha.chu@romafinance.co.uk

HEAD OF SALES

SENIOR BUSINESS DEVELOPMENT MANAGER

15 Carnarvon Street, Manchester, M3 1HJ

116 | Lender Index

www.romafinance.co.uk

SENIOR BUSINESS DEVELOPMENT MANAGER

enquiries@romafinance.co.uk

Product types

Bridging, development, refurb, auction, BTL, revolving credit facility and commercial mortgages

Charges Funding model FCA regulated Interest range Fixed/variable interest Treatment of interest & default interest

1st and 2nd

Residential, semi-commercial, commercial and investment development

Institutionally backed by multiple funding lines No Competitive rates Variable interest Rolled, retained, serviced. A revised rate may apply 75% bridging; 65% development; 75% term 65% 85% 3–24 months £75,000–£3m £100,000 Yes – subject to PI cover 1.25% x the lower of the market rent and actual rent England, Wales and Scotland AVMs, retypes, physical, desktop Yes Yes Yes – Grade II only No Yes Variable FIBA, BDLA, NACFB Limited companies, individual, first-time and portfolio Valuations and legal fees – charged at cost No Yes Yes Business purposes only Yes Yes with planning

Lender Index | 117

ScotLend W H O W E A R E : ScotLend Group is a specialist bridging lender headquartered in Scotland, founded by entrepreneur Sanjay Agarwal and finance expert David Travers. The business has scaled rapidly to become Scotland’s leading provider of security-based finance. Following significant equity backing in June 2024, ScotLend now lends across Scotland, England and Wales. The business is built on clear decision-making, transparency and a straightforward approach to lending, delivering reliable outcomes for brokers and borrowers without unnecessary complexity. O U R E T H O S : We look at the deal, not the postcode. ScotLend lends across the UK with a straightforward, common-sense approach to underwriting. Brokers deal directly with decision-makers and get clear answers without delay. We are well-funded, with capital ready to deploy, and focused on consistent delivery rather than promises. Transparency runs through every deal, from first conversation to completion. No smoke and mirrors, no unnecessary friction. Just a lender that does what it says it will do. We offer: Residential bridging - Commercial bridging (semi-commercial/mixed use) - Land with planning bridging - 2nd charge bridging MEET THE TEAM: Ruth Aimson

Mikie Butcher

07769 481 333 ruth@scotlendgroup.co.uk

07526 065 105 mikie@scotlendgroup.co.uk

HEAD OF SALES

Calder House, Suite 15, 8 South Caldeen Road, Coatbridge ML5 4EG

118 | Lender Index

SENIOR BUSINESS DEVELOPMENT MANAGER

www.scotlendgroup.co.uk

ruth@scotlendgroup.co.uk and info@scotlendgroup.co.uk

Bridging 1st and 2nd Family office and institutional funding line No From 0.95% pcm Fixed Retained or serviced Residential, commercial, mixed use, industrial, retail, HMO and land with planning 75% 70% (refurb projects) N/A 3–18 months £30,000-£2m Circa £60,000 Yes N/A England, Wales and the whole of Scotland (no postcode restrictions) Full valuations, AVMs, retypes and Red Book Yes No Yes No Case dependant 1% from arrangement fee N/A Limited companies, individual, first-time and portfolio No No No Yes Yes, depending on situation Yes for initial paperwork Yes with full planning case dependant

Lender Index | 119

Somo W H O W E A R E : We’re Somo, a specialist UK bridging and business finance lender that has grown from a family-run venture into one of the most trusted names in property-backed finance. Founded in Manchester, we began as one of the UK’s earliest crowd-funded platforms and have since evolved into an award-winning lender with a national reputation. With over £500,000 lent and zero investor losses, our disciplined approach has earned industry recognition, including B&C’s Best Regional Bridging Lender award in 2025. We exist to make finance easier, supporting brokers with flexible lending and regular borrower-saving promotions. O U R E T H O S : Our ethos is simple: why make finance difficult? At Somo, we combine technology, commercial judgement and a people-first approach to look at every case from every angle, our 360Promise. Where others see obstacles, we look for ways to say “yes”. With significant institutional and investor funding ready to deploy, we focus on responsible, property-backed lending that supports brokers, borrowers and investors alike. Fast, transparent and relationship-led, combining AI systems and tech with human care and judgement, we exist to make finance easier – removing complexity, reducing friction and delivering certainty across every deal. W H A T W E S P E C I A L I S E I N : Somo offers first, second and equitable charge bridging loans, BMV, refurbishment finance, landlord cashflow support and secured business loans. We support everything from expansion to investment, tax, stock and turnaround funding. We’re known for our flexible criteria, ability to complete complex cases and adverse credit lending. MEET THE TEAM: Louis Alexander

Jade Keval

louis@somo.co.uk

0161 312 5656 jade.keval@somo.co.uk

Rob Johnson

Simon Cottrell

UNDERWRITING DIRECTOR

DIRECTOR OF INVESTOR RELATIONS

rob.johnson@somo.co.uk

simon.cottrell@somo.co.uk

CEO

St John’s House Barrington Road Altrincham Greater Manchester WA14 1JY

120 | Lender Index

SALES DIRECTOR

www.somo.co.uk

brokers@somo.co.uk

Product types

Bridging; light refurb and works; BMV; Breathing Space; a landlord's cashflow product; Lifeline Loan, a specialist insolvency and bankruptcy product; secured business loans

Charges Funding model FCA regulated Interest range

1st, 2nd, 3rd and equitable charge

Fixed/variable interest

Fixed monthly rate for the agreed term, with the option to roll up, retain or service interest

Treatment of interest + default interest

Fixed monthly rate for the agreed term, with the option to roll up, retain or service interest

Sectors

Residential, semi-commercial, commercial-to-residential, HMO, auction, BMV, refurb, landlord portfolio/cashflow and business-purpose property-backed lending

Max LTV

Up to 75% LTV on 1st charge; up to 70% LTV on 2nd charge; BMV up to 100% of purchase price where OMV supports. Product/property dependent

Max LTGDV

Refurb assessed case by case

Max LTC

Up to 100% of works costs may be considered alongside up to 70% LTV on refurb/Works cases. Product/property dependent

Min & max loan term Min & max loan size Min property value Valuation retypes Rental calculations & exposure Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters

1–24 months for bridging; up to 36 months for secured business loans

Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Institutional funding line plus private investor/HNW platform funding No - Somo lends on unregulated, business-purpose loans only From 0.71% per month on 1st charge bridging

£27,500–£3m TBC Yes N/A England, Wales and Scotland Valuations, AVMs, desktop valuations and retypes Yes No Yes - considered case by case N/A No 1–2% -plus any broker added fees NACFB member Limited companies, individuals, start-ups, portfolio landlords, first-time landlords and professional developers considered for business-purpose loans, sole traders Yes - £350 lock in, refundable + valuation fees if applicable In development Product dependant Yes We'll lend on a director's main residence even if it’s in their personal name Deal dependent With additional security

Lender Index | 121

Notes:

Why make things more difficult than they need to be. Why make finance difficult.

Whether you're an expert or new to bridging, we make the process clear, fast, and hassle-free. • 1st, 2nd, 3rd and Equitable Charge loans. • Market-leading rates and LTVs. • Loans for ANY business purpose.

0161 312 5656 | brokers@somo.co.uk

StreamBank W H O W E A R E : StreamBank is a UK specialist property lender with decades of combined experience across bridging, development and complex real-estate finance. Backed by a wider group of seasoned credit, legal and valuation professionals, our growing team delivers reliable results, typically completing deals in weeks rather than months under clear SLAs. We offer transparent pricing with no hidden costs, covering valuation, legal, exit and default considerations upfront, alongside straightforward application and set-up fees, and we regularly provide free valuations to maximise borrower value. O U R E T H O S : At StreamBank, our ethos is built on responsible, relationship-led lending that supports sustainable property outcomes alongside commercial performance. ESG principles are embedded into our credit thinking, with a clear commitment to ethical governance, efficient assets and positive social impact detailed within the ESG commitment available on our website. With capital ready to deploy, we combine disciplined underwriting with flexible decision-making, ensuring borrowers benefit from certainty of funding, speed of execution and long-term partnership thinking. W H A T W E S P E C I A L I S E I N : StreamBank specialises in property lending across UK bridging and development finance, providing senior loans for residential, mixed-use and complex assets, including time-critical acquisitions, planning-led schemes and structured refinances, delivered with speed, certainty and clear credit-led decision-making. MEET THE TEAM: Roz Cawood

Lorenzo Satchell

07539 021 322 rcawood@streambank.co.uk

07811 227 712 lsatchell@streambank.co.uk

MD PROPERTY FINANCE

NATIONAL ACCOUNT DIRECTOR

Cherim Nicholls

HEAD OF COMPLIANCE / MLRO

0203 978 1409 | ext. 222 cnicholls@streambank.co.uk

StreamBank Customer Care Team Capital Tower, 23rd Floor Greyfriars Road, Cardiff CF10 3AG

124 | Lender Index

www. streambank.co.uk

Telephone – 0203 973 4788 Email: customercare@streambank.co.uk

Product types

Bridging, development

Charges

1st and 2nd (2nd charges as a cross charge only)

Funding model

Bank deposits

FCA regulated

Yes

Interest range

Fixed/variable interest

Fixed interest

Treatment of interest & default interest

[Rolled & serviced]

Sectors

Eg. Residential, semi-commercial, commercial, HMO

Max LTV

75%

Max LTGDV

70%

Max LTC

N/A

Min & max loan term

Regulated 0 – 12, non-regulated 3-18

Min & max loan size

£100,000-£3m

Min property value

£150,000

Valuation retypes

Yes

Rental calculations & exposure

N/A

Geographical lending areas

England, Wales & Mainland Scotland

Types of valuation accepted

AVMs, Desktops, re-types, Red Book, etc

New builds

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/Sustainable product

Eg. interest charged daily;

If yes, details thereof (Eg: Yes, my product details)

Planning permission needed

Yes/no – dependant on project / product

Commission rate

1.5%

Associations/Charters

PRA, BDLA, NACFB

Types of landlords accepted

Limited companies/individual/first-time/portfolio

Upfront fees

Broker portal

Early redemption charges

Investment

Yes

Owner occupied

Yes

Electronic signatures accepted

Yes

Lending on land

Lender Index | 125

TAB W H O W E A R E : Commercial lending has a momentum problem; timelines slip, deals stall and decisions take too long. TAB was founded in 2018 to fix this, as a commercial mortgage lender and bridging specialist focused on speed, clarity and execution. Backed by £500m of funding from AB CarVal and with over £800m lent to date, we combine scale with direct access to decision-makers. We assess the full story behind every deal and move quickly when it stacks up, delivering mortgage outcomes at bridging speed. Our process is transparent, with clear costs and no hidden surprises. O U R E T H O S : TAB is committed to responsible lending, with a clear ESG policy guiding how we assess opportunities, support borrowers and manage risk across our portfolio. Our approach considers environmental impact, social responsibility and strong governance standards, ensuring we back projects with sustainable commercial logic. With £500m of institutional funding from AB CarVal we are well positioned to deploy at scale, supporting brokers and borrowers with consistency and confidence to deliver deals without delay. W H A T W E S P E C I A L I S E I N : We specialise in commercial mortgages and bridging, offering mortgages from 3.5% plus base, and bridging from 0.68% per month inclusive of base. We focus on cases where speed, structure and certainty matter, delivering tailored funding with direct decision-making. MEET THE TEAM: Karen Rodrigues

Michael Grant

07466 490 111 karenr@tabhq.com

07884 060 033 michaelg@tabhq.com

Sophie Meller

Kristofer Day

DIRECTOR OF SALES

HEAD OF SALES

SENIOR BUSINESS DEVELOPMENT MANAGER

07939 110 393 sophiem@tabhq.com

Regent House, Theobald Street, Borehamwood, WD6 4RS

128 | Lender Index

SE N I O R B USI N E SS D E V E LO PM E N T M A N AG E R SCOTLAND

07310 271 646 kristoferd@tabhq.com

www.tabhq.com

enquiries@tabhq.com

Product types Charges Funding model FCA regulated Interest range Fixed/variable interest

Bridging and mortgages

Sectors

Residential, development office, industrial, retail, hospitality and HMO

75%

1st AB Carval and Private Investors No Bridge starting from 0.68%; mortgage from 3.75% over Base Rate Retained/serviced

N/A Bridge 3 months – term 5 years £100,000-£5m £100,000 Yes – valuer must be on panel Up to 75% LTV UK mainland AVMs – maximum lend £500,000 Yes No Yes (Core+) ESG Depends on the case 1-2% NACFB, BDLA Limited companies, individual, first-time and portfolio No Yes Yes Yes Yes Yes No

Lender Index | 129

TFG Capital W H O W E A R E : TFG Capital was established in August 2014 by James Mortimore, to provide companies and property investors with a route to available funding in a challenging and increasingly risk-averse market. We aim to provide bespoke, flexible funding solutions and to complete within as little as 72 hours. Each case requires the client to pay valuation and legal fees upfront; TFG Capital, as a lender, does not charge any upfront fees but we do charge arrangement fees upon completion. O U R E T H O S : TFG Capital provides straightforward bridging finance based solely on security values, which enables businesses to get quick access to finance for whatever their immediate requirements are. Working with TFG Capital means dealing directly with decision-makers, and this coupled with streamlined processes means we can provide quick access to funding. W H A T W E S P E C I A L I S E I N : At TFG Capital, we specialise in providing fast, flexible finance for companies in need. Our ability to work to extremely tight deadlines, combined with a no-nonsense approach to lending, provides a level of comfort and certainty that is unique in our marketplace. MEET THE TEAM: James Mortimore

Luke Flanagan

07917 337 853 james@tfgcapital.co.uk

07395 791 275 luke@tfgcapital.co.uk

MANAGING DIRECTOR

HEAD OF SALES

Andrew Hunt

OPERATIONS DIRECTOR

07708 344 653 andrew@tfgcapital.co.uk

17 Jetstream Drive Doncaster DN9 3QS

130 | The Index

www.tfgcapital.co.uk

sales@tfgcapital.co.uk

Product types

Bridging and development

Charges

1st and 2nd

Funding model

Diversified funding line

FCA regulated

Interest range

1-2% per month

Fixed/variable interest

Fixed

Treatment of interest & default interest

Serviced and retained; standard default rate 3%

Sectors

Residential, commercial, semi-commercial and land with/without planning

Max LTV

75%

Max LTGDV

N/A

Max LTC

N/A

Min & max loan term

3–12 months

Min & max loan size

£50,000–£5m

Min property value

N/A

Valuation retypes

Yes

Rental calculations & exposure

N/A

Geographical lending areas

Security located in the UK

Types of valuation accepted

Security located in the UK

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/Sustainable product

Planning permission needed

Commission rate

Associations/Charters

NACFB, FIBA and BDLA

Types of landlords accepted

Limited companies, individuals and portfolio

Upfront fees

Broker portal

Early redemption charges

Yes

Investment

Yes

Owner occupied

Yes

Electronic signatures accepted

Lending on land

Yes

The Index | 131

Together W H O W E A R E : We’re Together: property finance experts with common sense. For over 50 years, we’ve helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to lending. Our large product suite of mortgages and secured loans gives us the flexibility to help in a wide range of specialist lending scenarios; including short-term finance, buy to let, commercial and semi-commercial mortgages. Based in Cheadle, Cheshire, our 900+ colleagues use their expertise and industry knowledge to help our customers throughout the UK, backed by the power of a £8.1 billion loan book. O U R E T H O S : At Together, we recognise potential, move at the right pace and make it happen. We power progress by providing people with access to inclusive finance. Our decisions are human and relationship‑led, allowing us to move at pace while giving everyone a fair chance to realise their ambitions. We actively support the development of our people, empowering them to thrive through ongoing investment in training. We also play our part in the communities we serve, through financial support and volunteering, and we work to make greener choices the easier option by educating ourselves and others. W H A T W E S P E C I A L I S E I N : We look beyond mainstream criteria and make fast, informed decisions for every case. We accept wide-ranging income sources; complicated purchases, non-standard property, imperfect credit or a combination of all four. Our experienced intermediary team and specialist distributors focus on securing the best outcomes for customers. MEET THE TEAM: Tanya Elmaz

MANAGING DIRECTOR INTERMEDIARY SALES

07903 557 898 tanya.elmaz@togethermoney.com

Michelle Walsh

INTERMEDIARY SALES DIRECTOR - COMMERCIAL FINANCE

07922 573 663 michelle.walsh@togethermoney.com

Nick Parker

Maeve Ward

07843 804 029 nick.parker@togethermoney.com

07596 883 479 maeve.ward@togethermoney.com

SALES DIRECTOR - NETWORKS AND CLUBS

Lake View Lakeside Cheadle Cheshire SK8 3GW

132 | Lender Index

www.togethermoney.com/ intermediaries

INTERMEDIARY SALES DIRECTOR - PERSONAL FINANCE

newbusiness@togethermoney. com

Product types

Regulated and unregulated bridging; BTL, commercial mortgages; business loans; first-charge mortgages; second-charge mortgages; and larger loans for HNW individuals (Premier for Intermediaries)

Charges

1st and 2nd

Funding model

Together has a diversified funding structure combining listed bonds, private and public securitisations, revolving credit facility and shareholder funds

FCA regulated

Yes

Interest range

Unregulated bridging from 0.85%; regulated bridging from 0.85%; BTL from 6.99%; commercial term from 8.84%

Fixed/variable interest Treatment of interest & default interest

Fixed and variable Retained or serviced

Sectors

Residential, office, industrial, retail, hospitality, PBSA, HMO, commercial units, social housing, leisure and healthcare

Max LTV Max LTGDV Max LTC

Up to 75%; higher on referral 70% max; case-by-case 85% max; case-by-case

Min & max loan term

Unregulated bridging 1–12 months, longer term by referral; regulated bridging 1– 12 months; BTL 6–30 years; commercial term 6–30 years (capital repayment), 6–10 years (interest only)

Min & max loan size

Unregulated bridging £26,000–£5m; BTL £30,000–£4.5m; commercial term £50,000–£5m. Higher loan sizes by referral

Min property value Valuation retypes

No minimum property value, subject to minimum loan size

Rental calculations & exposure

Our rental calculation is ICR (Interest Cover Ratio); we have no exposure rule but it is assessed at underwriting

Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters

England, Scotland and Wales

Types of landlords accepted

First-timer buyer, first-time landlord, non-portfolio and portfolio, non-UK expats and foreign nationals

Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Considered

AVMs, retypes, Red Book, 180-day and investment value on referral Yes No; light and medium refurbishment only Yes No No From 1.25% for fully packaged cases NACFB, FIBA, BDLA and NAPB

Yes Yes Yes Yes No Yes

Lender Index | 133

Together we achieve more. When your clients need flexible property finance, think Together. First and Second Charge | Buy to Let Bridging | Commercial Term Talk to us on 03330 601 565.

Scan to learn more from our experts.

For professional intermediary use only

United Trust Bank W H O W E A R E : United Trust Bank (UTB) is a dynamic and thriving UK specialist bank providing a range of secured funding facilities to individuals, housebuilders, developers, investors, landlords and SMEs. UTB is funded by its award-winning deposits business, and its real-estate finance solutions include regulated and unregulated bridging loans; larger and more complex structured property finance for a diverse variety of real-estate assets and borrowers; full cycle development funding for housebuilders; and residential and BTL mortgages and second charge loans. UTB is committed to supporting brokers and customers, helping them to seize opportunities and navigate uncertainty. O U R E T H O S : UTB is a dependable and experienced finance partner committed to building strong, long-term relationships and making a positive contribution to customers, brokers and the UK economy. We employ highly motivated and experienced people who understand the industries in which they operate and whose knowledge adds value to transactions and the bank’s relationships with brokers and customers. We understand the important role businesses can play in local communities, society and protecting our planet for future generations. You can find out more about our environmental and social governance policy at www.utbank.co.uk/esg/. W H A T W E S P E C I A L I S E I N : Regulated and unregulated bridging Loans for consumers, property professionals and companies, structured property finance for commercial and residential assets, full cycle development finance solutions for housebuilders and developers, BTL mortgages for individual landlords and limited companies, residential mortgages for homebuying/remortgaging, second charge loans. MEET THE TEAM: Orla Costello

HEAD OF PROPERTY DEVELOPMENT –REAL ESTATE FINANCE

07867 368 481 ocostello@utbank.co.uk

Bradley Illman

HEAD OF SALES – BRIDGING

07824 366 178 billman@utbank.co.uk

Liam Lawlor

Caroline Mirakian

HEAD OF SALES - STRUCTURED PROPERTY SOLUTIONS - REAL ESTATE FINANCE

MORTGAGES, BTL & BRIDGING PROPOSITION & MARKETING DIRECTOR

07341 078 055 llawlor@utbank.co.uk

07825 720 586 cmirakian@utbank.co.uk

One Ropemaker Street London EC2Y 9AW

136 | Lender Index

www.utbank.co.uk

hello@utbank.co.uk

Product types Charges Funding model FCA regulated Interest range

Bridging, property development, residential 1st and 2nd charge, BTL and structured property finance 1st and 2nd Deposit funded Yes Bridging rates from 0.57%; structured bespoke and development is project dependent

Fixed/variable interest

Bridging and BTL are fixed; development is variable, structured

Treatment of interest & default interest Sectors Max LTV Max LTGDV Max LTC

Rolled, retained and serviced; default interest charged at a fixed rate; higher

Min & max loan term Min & max loan size

rate capped at 2.5% Residential, HMO, MUB, Commercial, mixed-use and residential Bridging 75%; BTL 80%; residential 85%; 2nd charge 85% Bridging: 75%; development and structured: 70% Development and structured: 90% Bridging 1–24 months; development up to 36 months; structured up to 60 months; BTL 5–25 years; residential 5–40 years; 2nd charge 3–30 years Bridging: £100,000–£15m; structured: £2.5m–35m; development: £1m–35m; BTL: £50,000–£1.5m; residential £25,000–£2m; 2nd charge: £10,000-£1m

Min property value Valuation retypes

£100,000 for bridging; £100,000 for BTL; £90,000 for residential

Rental calculations & exposure

5-year fixed pay rate or 2-year fixed + 2%; exposure with BTL is max £5m or 20

Geographical lending areas Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed Commission rate Associations/Charters Types of landlords accepted Upfront fees Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Can be considered case by case BTL: ICR calculation of 125%, 130% or 140%, depending on tax band, using the loans to a single borrower(s) or limited company England, Wales and Scotland; development, BTL, structured in England and Wales only AVMs, drive by, full, and short and long form Yes Yes Yes No Yes Varies by product; please call to discuss ASTL, FIBA and NACFB Varies by product Valuation and legal for bridging and residential Yes No for bridging; yes for BTL and residential Yes Yes for bridging and residential; no for BTL and development Yes for certain items For bridging, will consider land with planning permission; for BTL and residential, will not lend against land alone

Lender Index | 137

At United Trust Bank, we believe that we can achieve more together than alone. That’s why we’re committed to building great relationships with our broker partners.

Find out more about UTB lending for intermediaries

Asset Finance Mortgages, Buy to Let & Bridging Real Estate Finance Savings & Deposits

The team to take you further

West One W H O W E A R E : As one of the UK’s largest non-bank lenders, West One offers a comprehensive range of specialist lending products to support property investment professionals, landlords and homeowners alike. Established in 2007 as a bridging finance lender, West One has since grown to include a range of complementary products, including development finance, first and second charge mortgages, BTL mortgages and commercial mortgages (all alongside bridging). O U R E T H O S : At West One Loans, we believe finance should be accessible, flexible and built around real-world needs. As a specialist lender, we simplify complex borrowing, helping customers and partners access tailored solutions across the property lifecycle. As an FCA-regulated business, we are guided by strong governance and act with integrity, transparency and accountability in every decision. We are committed to responsible lending that supports long-term financial wellbeing, while embracing ESG principles that promote sustainable growth, positive community impact and ethical practices. With over 20 years of expertise, we make access to finance easier, fairer and more effective. W H A T W E S P E C I A L I S E I N : West One has an integrated portfolio of lending products for the property finance lifecycle. We’ve built a reputation for our unique approach to credit and personalised approach to lending. We help homeowners, landlords, and property professionals discover the right financial solution across a diverse range of products. MEET THE TEAM: Tom Cantor

Paul Huxter

0203 928 1822 Thomas.Cantor@westoneloans.co.uk

0203 927 0022 Paul.Huxter@westoneloans.co.uk

CO-HEAD OF SHORT-TERM FINANCE

Guy Murray

HEAD OF INTERMEDIARY SALES AND DISTRIBUTION

DUNCAN ABRAHAM

CO-HEAD OF SHORT-TERM FINANCE

REGIONAL DIRECTOR

0208 736 2268 Guy.Murray@westoneloans.co.uk

Duncan.Abraham@enra.co.uk

The Edward Hyde Building 38 Clarendon Road Watford WD17 1JW

140 | Lender Index

www.westoneloans.co.uk

sales@westoneloans.co.uk

Product types Charges Funding model FCA regulated

Bridging, development, BTL, commercial and residential

Interest range

BTL Rates from 3.69% 2yr Fix and 4.39% 5yr Fix; development Rates From 5.00% margin + BBR; Bridging from 0.75% pm

Fixed/variable interest Treatment of interest & default interest Sectors

Both

Max LTV

Bridging 75%; development: 70%; BTL: 80%; BTL (2nd charge):75%; commercial: 75%; semi-commercial: 75%

Max LTGDV Max LTC

70%

Min & max loan term

Bridging 1-24 months; BTL 5-35 yrs; development 15-30 months; commercial 5-25 years

Min & max loan size

Bridging £75,000-£50m-plus (higher on referral); BTL £50,000-£2m (higher on referral); development £1m-30m (higher on referral); commercial £50,000-£3m

Min property value

Bridging: £100,000; BTL: £75,000; development minimum GDV: £1.5m; commercial – no minimum

Valuation retypes

Yes, by referral

Rental calculations & exposure

BTL: 125% coverage on basic rate taxpayers and limited companies, 140% for higher-rate and additional rate taxpayers; commercial: 120% limited company applications and 130% personal name applications

Geographical lending areas

Bridging, development, commercial, BTL: England and Wales. Bridging and BTL only: mainland Scotland

Types of valuation accepted New builds Heavy Refurb Grade listed buildings Green/Sustainable product Planning permission needed

Red Book. Full valuations needed for BTL and commercial

Commission rate

BTL: from 0.6% via clubs & networks; bridging: from 1%; development: from 1%; commercial: 1.5%

Associations/Charters

NACFB, ASTL, FIBA

Types of landlords accepted

First-time landlords, limited companies, Individual & portfolio investors, foreign nationals/Ex-pats (by referral), Share Purchase agreements, offshore and complex company structures

Upfront fees

Bridging: Yes; BTL: Yes, £199 application fee and valuation fee for BTL; commercial: N/A

Broker portal Early redemption charges Investment Owner occupied Electronic signatures accepted Lending on land

Yes

1st and 2nd Capital markets, institutional, and private funding Yes

Bridging: retained, serviced; default interest charged at double reduced rate; development: rolled interest Lending across all sectors

85%

Yes Yes Yes No Bridging: No; development: Yes; BTL: Yes; commercial: Yes

Bridging: No; development: No; BTL: product specific; commercial: product specific Yes Yes Yes Yes

Lender Index | 141

The Home of Specialist Lending In the ever changing property landscape, West One is a constant. Real lending. Real people. Over 20 years of making property finance accessible. To submit an enquiry: E | hello@westonelaons.co.uk T | 0333 123 4556 W | www.westoneloans.co.uk

Bridging Loans

Development Finance

Residential Mortgages

Second Charge Mortgages

Commercial Mortgages

Buy-to-Let Mortgages

West One is a trading name of the underlying firms, which are registered in England and Wales and have their registered office address at The Edward Hyde Building, 38 Clarendon Road, Watford, WD17 1JW. West One Loan Ltd. is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 510024); its company registration number is 05385677. West One Secured Loans Ltd. is authorised and regulated by the Financial Conduct Authority (Firm Reference Number 776026); its company registration number is 09425230. W. WWW.WESTONELOANS.CO.UK |

T. 0344 880 5360

E. INFO@WESTONELOANS.CO.UK

Whitehall Lending W H O W E A R E : Whitehall is a specialist finance provider dedicated to strategic investments in the real-estate credit sector. Our focus is on delivering tailored lending solutions on residential and commercial real-estate, including developments within England and Wales. Our funding set up helps us be swift and flexible in meeting our client’s needs, enabling us to provide terms in less than 24 hours and deploy funds in less than a week. This has helped establish our strong reputation, built on clear, open and honest communication throughout the loan process. O U R E T H O S : As opposed to many of our peers, we are self-funded and do not fully rely on external credit lines, thus allowing us to be in control of every aspect of our value chain. By providing access to finance, we play a key role in maintaining liquidity in the housing market and supporting SMEs, who are crucial in sustaining the real economy and ultimately resolving England’s housing crisis. Furthermore, many of our loans are specifically for works to achieve a higher energy performance certificate rating, ultimately supporting the transition to net zero and reducing tenant bills. W H A T W E S P E C I A L I S E I N : We specialise in bridging and development short-term financing, including complex ownership structures involving foreign nationals or entities willing to invest in the British real-estate market. MEET THE TEAM: Anthony Bodenstein

Mev Mirza

0203 026 7437 anthony@whitehalllending.com

0203 026 7437 mev@whitehalllending.com

Gabriele Pascazio

Jack Hodgkin

0203 026 7437 gabriele@whitehalllending.com

0203 026 7437 jack.hodgkin@whitehalllending.com

MANAGING DIRECTOR

VICE PRESIDENT

49 Grosvenor Street Mayfair, London W1K 3HP

144 | Lender Index

www.whitehalllending.com

BUSINESS DEVELOPMENT MANAGER

contact@whitehalllending.com

Product types

Bridging and development

Charges

1st and 2nd

Funding model

Self-funded through equity

FCA regulated

Interest range

Interest from 0.79% per month

Fixed/variable interest

Fixed

Treatment of interest & default interest

We offer both retained and serviced interest; default interest charged at 2% pm on top of the agreed interest rate

Sectors

Residential, development, commercial–office, industrial, retail, hospitality, PBSA and HMO

Max LTV

75%

Max LTGDV

70%

Max LTC

N/A

Min & max loan term

3–24 months

Min & max loan size

£200,000–£20m

Min property value

N/A

Valuation retypes

Only on very specific occasions

Rental calculations & exposure

N/A

Geographical lending areas

England and Wales

Types of valuation accepted

Red Book

New builds

Yes

Heavy Refurb

Yes

Grade listed buildings

Yes

Green/Sustainable product

Yes (please refer to “our ethos” section)

Planning permission needed

Commission rate

Associations/Charters

N/A

Types of landlords accepted

Both individuals and limited companies, and non-UK residents/entities

Upfront fees

Yes

Broker portal

Early redemption charges

Investment

Yes

Owner occupied

Electronic signatures accepted

Yes

Lending on land

Lender Index | 145



   

 



  



0.69% 0.56%* 0.70% 0.69% PM PM PM PM

0.77% PM

0.89% PM

0.75% PM

0.83% PM

0.75% 0.75% 0.55% 0.70% PM PM PM PM

  



  



 * 



Interest rate from

0.75% 0.69%* 0.70%* 0.69% PM PM PM PM

Max LTV ≤75%



Daizun Investments

  

Colenko



Cohort Capital

Charles Street Finance

FCA regulated

CapitalRise



Bridge Invest

2nd charge

Bluecroft Finance



BLEND



Black & White Bridging

Ascot Bridging Finance



Beaufort Bridging

Alternative Bridging Corporation



Avamore Capital

Allica Bank

1st charge

Aspen Bridging

Albatross Lending Group

BRIDGING LENDER MATRIX

Max LTV ≥75%



England, Scotland, Wales EW

ESW

New builds



  



   

Heavy Refurb



  



   

Grade listed buildings



 * 

  



   



Green/sustainable offering Planning permission needed



Upfront fees



Broker portal



Early redemption charges



Owner occupied



Electronic signatures accepted



146 | Lender Index

 



Investment

Lending on land



ESW

  



 



*



*  



  



* 

 



  



 



 

ESW

    



   



   



   

*Subject to lender terms BBR = Bank Base Rate



Interest rate from

0.79% PM

0.85% PM

0.72% PM

9% PA

0.59% PM

0.69% PM

0.84% PM

0.74% PM

Max LTV ≤75%



  



 



FCA regulated



 



  



 



Max LTV ≥75%

MT Finance

  

InterBay

Ortus Secured Finance



Octane Capital



MS Lending Group

2nd charge

Morphues Lending



Mint Property Finance

Hilco Real Estate Finance



Masthaven

Hampshire Trust Bank



London Credit

Goldentree



LendInvest

Fairbridge Capital

1st charge

Lendco

Evolve Lending Group

BRIDGING LENDER MATRIX

  

0.75% PM

0.89% 0.80% PM PM

0.65% BBR+4.50% PM PA

   



England, Scotland, Wales

ESW

New builds



  



 



  



  



 



 



Heavy Refurb Grade listed buildings



  

Green/sustainable offering

 

Broker portal



 



Owner occupied



Electronic signatures accepted



 



 

Investment

*Subject to lender terms BBR = Bank Base Rate

  

Early redemption charges

Lending on land

  



Planning permission needed Upfront fees

 



  



 



  



 



 



  



 



Lender Index | 147

Precise

Roma Finance

ScotLend

Somo

StreamBank

TAB

TFG Capital

Together

United Trust Bank

West One

Whitehall Lending

1st charge

Pallas Capital

BRIDGING LENDER MATRIX



0.95% PM

0.71% PM

0.59%* 0.68%* PM PM

1.2% PM

0.83% PM

0.70%* 0.79% PM PM



ESW



2nd charge FCA regulated Interest rate from

 0.70% PM

Max LTV ≤75% Max LTV ≥75%



England, Scotland, Wales ESW

ESW

New builds



Heavy Refurb



Grade listed buildings



Green/sustainable offering Planning permission needed Upfront fees



 



 



Broker portal



Early redemption charges 



Investment



Owner occupied



Lending on land



 



 



Electronic signatures accepted

148 | Lender Index



 *



*Subject to lender terms BBR = Bank Base Rate

Notes:

Alternative Bridging Corporation

Ascot Bridging Finance

Aspen Bridging

Atelier

Avamore Capital

Beaufort Capital

Black & White Bridging

BLEND

Charles Street Finance

Colenko

Daizun Investments

Fairbridge Capital

Goldentree

Hampshire Trust Bank

LendInvest

1st charge

Albatross Lending Group

DEVELOPMENT LENDER MATRIX



2nd charge

*

FCA regulated



Interest rate from

0.75% 0.85%* 0.95% PM PM PM

0.74% PM

Max LTV ≤75%



BBR+4.99%* 0.56%* 5% PA PA PM



Max LTV ≥75%



0.69% PM

5.5% PA

1% PM

0.85% PM



0.70% PM

0.85% PM

0.78% PM

5.5% PA



England, Scotland, Wales

ESW

New builds



Heavy Refurb



Grade listed buildings



Green/sustainable offering Planning permission needed



Upfront fees



 

Broker portal



Early redemption charges



Investment



Owner occupied



Electronic signatures accepted



Lending on land

150 | Lender Index



 



 



 



 



  *



 



*Subject to lender terms BBR = Bank Base Rate

Masthaven

Mint Property Finance

MVC Development Finance LTD

Pallas Capital

Roma Finance

StreamBank

Together

United Trust Bank

West One

1st charge

London Credit

DEVELOPMENT LENDER MATRIX



2nd charge

*



FCA regulated



Interest rate from

0.89% PM

0.80% PM

0.75% PM

0.70% PM



Max LTV ≤75%



 

1% PM

BBR+5% PA



Max LTV ≥75% England, Scotland, Wales

ESW

New builds



Heavy Refurb



Grade listed buildings



Green/sustainable offering Planning permission needed Upfront fees

ESW



0.64%* PM

ESW

 



Broker portal Early redemption charges  Investment



 

Owner occupied



Electronic signatures accepted



 * 



Lending on land

*Subject to lender terms BBR = Bank Base Rate



 * 



Lender Index | 151

Notes:

Charles Street Finance

Fairbridge Capital

Hilco Real Estate Finance

Lendco

LendInvest

Mint Property Finance

MS Lending Group



  



  



2nd charge FCA regulated



 



Interest rate from

0.95% PM

5.70%* 0.80%* 0.69% 0.70% PA PM PM PM

Max LTV ≤75%



Max LTV ≥75%



London Credit

Black & White Bridging

   

Daizun Investments

Beaufort Capital



Beaufort Bridging

Alternative Bridging Corporation



Aspen Bridging

Allica Bank

1st charge

Albatross Lending Group

COMMERCIAL LENDER MATRIX

5% PA

0.69% PM

7.99% 0.70% PA PM

 



0.85% S+2.75% PM PA

0.69% PM

0.99% PM



  



 



0.75% 0.80% PM PM

England, Scotland, Wales

ESW

New builds



   



  



  



Grade listed buildings



   



ESW

Green/sustainable offering



Upfront fees



Broker portal



 

Early redemption charges



Investment



 

Owner occupied



   

Electronic signatures accepted

154 | Lender Index



  



 

  



  



 



 



  



  



*Subject to lender terms BBR = Bank Base Rate S = SONIA

Ortus Secured Finance

Roma Finance

TAB

Together

West One

Whitehall Lending

1st charge

MT Finance

COMMERCIAL LENDER MATRIX



 



2nd charge



FCA regulated Interest rate from

BBR+4.50% PA

3.50%* 7.99% PA PA

7.09%* PA

0.79% PM

Max LTV ≤75%



 



Max LTV ≥75%



England, Scotland, Wales

ESW

New builds



 



Grade listed buildings



 * 



Green/sustainable offering



Upfront fees



Broker portal



Early redemption charges



Investment



   

 



 



Owner occupied



 



Electronic signatures accepted



*Subject to lender terms BBR = Bank Base Rate S = SONIA



Lender Index | 155

Notes:

Hilco Real Estate Finance

Lendco

LendInvest

Mint Property Finance

MT Finance

Ortus Secured Finance

Roma Finance



 



 

2nd charge



FCA regulated



Interest rate from

5.50%* 0.70%* 0.69% PA PM PM

7.99% PA

5.54% PA

0.59% PM

5.35% PA

3.84% PA

Max LTV ≤75%



Max LTV ≥75%

  

 



0.71% PM

4.69% PA

3.69% PA



 

West One

Hampshire Trust Bank



United Trust Bank

Charles Street Finance



Together

Aspen Bridging



Somo

Alternative Bridging Corporation

1st charge

Allica Bank

BTL LENDER MATRIX

 0.75% PM

BBR+4.50% PA



 

     

England, Scotland, Wales ESW

ESW

New builds



 



 

  

Grade listed buildings



 



 

  *

Green/sustainable offering



Upfront fees



Broker portal



Early redemption charges 



Investment



Owner occupied



Electronic signatures accepted



158 | Lender Index



 



  



ESW



 

    



  



 

  



 

*Subject to lender terms BBR = Bank Base Rate

Notes: