Our Specialist Finance Products

Bridging loans are short-term, asset-backed loans secured against property. They are used when speed is critical — auction purchases, chain breaks, refurbishment projects, or time-sensitive acquisitions where a conventional mortgage is too slow.

Key Features

• Loans from £50,000 upwards
• Regulated and unregulated bridging (we arrange unregulated only)
• First and second charge available
• Terms typically 1–18 months
• Residential, commercial, and mixed-use security accepted
• Indicative terms available within hours

Common Uses

• Auction purchases requiring fast completion
• Chain break finance
• Refurbishment and light development
• Property acquisition while awaiting sale proceeds

We arrange buy-to-let mortgages for individual landlords, portfolio landlords, and limited company investors. We specialise in complex cases — HMOs, multi-unit freehold blocks, and portfolios that high-street lenders decline.

Key Features

• Standard single let, HMO, and MUFB mortgages
• Individual and limited company (SPV) applications
• Portfolio landlord applications accepted
• Complex income and credit profiles considered
• Competitive rates from specialist lenders
• Experienced in complex and declined cases

Common Uses

• Single let residential investment properties
• Houses in Multiple Occupation (HMOs)
• Multi-unit freehold blocks (MUFBs)
• Portfolio landlords with 4+ properties

Semi-commercial mortgages (also known as mixed-use mortgages) finance properties that combine residential and commercial elements — typically a flat above a shop, or a building with both residential units and commercial space.

Key Features

• Mixed-use properties with residential and commercial elements
• Flat above shop, retail with upper residential floors
• Individual and limited company applications
• Specialist lenders who understand mixed-use valuations
• Competitive loan-to-value ratios available
• Investment and owner-occupier purposes considered

Common Uses

• Flat above a shop or retail unit
• Buildings with mixed residential and commercial floors
• Investment purchases of mixed-use properties
• Refinancing existing mixed-use assets

We arrange commercial mortgages for investors and business owners purchasing or refinancing fully commercial property — offices, retail units, industrial premises, warehouses, and other commercial buildings.

Key Features

• Investment and owner-occupier commercial mortgages
• Offices, retail, industrial, and warehouse properties
• Individual, partnership, and limited company applications
• Competitive rates from specialist commercial lenders
• Complex income structures and trading businesses considered
• Refinancing and equity release from commercial assets

Common Uses

• Purchasing commercial investment property
• Owner-occupier business premises purchase
• Refinancing existing commercial property
• Releasing equity from commercial assets

We arrange development finance and land loans for property developers — from land acquisition through to ground-up construction. We structure deals that cover land purchase, build costs, and exit, tailored to your specific project.

Key Features

• Land acquisition loans with and without planning
• Ground-up residential and commercial development finance
• Funding for build costs and professional fees
• Experienced and first-time developers considered
• Exit via sale or refinance to term mortgage
• Loans structured around your project timeline

Common Uses

• Land purchase with or without planning permission
• Ground-up residential development
• Commercial and mixed-use development projects
• Conversion and change-of-use projects