Real estate credit

We fund short-term, secured loans backed by residential and commercial real estate across the UK

We have invested successfully through all market cycles and across the Entire risk spectrum. Our portfolio includes a diverse range of unregulated financing solutions such as bridging, refurbishment, and development loans. Direct lending is conducted through our FCA-registered entity, while we also provide funding to real estate lenders, enabling them to extend their reach and deliver tailored financing solutions to borrowers. With a commitment to flexible and responsive lending, we support a variety of real estate projects that drive sustainable growth while fostering strong partnerships across the industry.


We have a 100% track record of never losing capital on any of our loans

Bridging

Loan size:  £300k - £5m

Term:  3- 12 months

Maximum LTV:  75%

Refurbishment

Loan size:  £300k - £5m

Term:  3- 12 months

Maximum LTV:  70%

Development

Loan size:  £300k - £5m

Term:  3- 24 months

Maximum LTV:  65%

Case Studies

London

Bridge Loan




The borrower inherited a 2-bed flat in a luxury new-build development in Chelsea from a family member. The loan was to release equity from the property while putting it on the market for sale.


Valuation: £775,000

LTV: 70%

Start Date: December 2024

Term: 12 Months

Essex

Development Exit Loan

The loan was to provide funding to support the borrower in completing the development of two 4-bed new-build houses in Essex. The borrower required alternative financing after their previous development lender withdrew from the market near the end of the build programme.


Valuation: £1,550,000

LTV: 48%

Start Date: February 2025

Term: 12 Months

London

Bridge Loan



The loan was to provide funding against an unencumbered leasehold flat in an affluent London area, rented out by the borrower. The equity release supported business purposes, with repayment via a refinance to a traditional lender.


Valuation: £455,000

LTV:  65%

Start Date: November 2023

Term: 12 months

Kent

Bridge Loan

The loan was to provide funding against a fully-let block of 15 flats, enabling the borrower to acquire the property. The plan involved boosting rental income through asset management and exiting with conventional financing.


Valuation: £2,000,000

LTV: 60%

Start Date: August 2024

Term: 12 months

We have continuously funded loans on residential and commercial properties in the UK since 2020

Kent

Bridge Loan



The loan was provided  as a bridge to a sale following a successful planning application for 8 luxury new-build houses. We were successfully exited following the sale of the site to a house builder.





Valuation: £4,100,000

LTV:   46%

Start Date: November 2023

Term: 12 Months

Brighton

Refurbishment Loan

The loan was provided to support the acquisition, conversion and refurbishment of a town house into 4 residential apartments in an affluent area of Brighton. Exit was by way of refinance to a traditional lender.



Valuation: £1,500,000

LTV:   60%

Start Date: December 2023

Term: 12 Months

Birmingham

Development Loan



The loan was to provide funding against a mid-terrace, mixed-use building in a densely populated Birmingham area, approved for two ground-floor commercial units and 15 residential flats above. The loan funded development works, with exit through refinance to a high-street bank. The borrower was highly experienced, having completed similar projects on the same street.



Valuation: £2,200,000

LTV: 68%

Start Date: May 2023

Term: 18 months

Waltham Abbey
Bridge Loan

The property was an end-of-terrace, three-bedroom house with substantial side land. The loan was provided as bridging finance to enable the borrower to secure the property quickly, with plans to seek planning permission for an additional dwelling on the side land and to extend and refurbish the existing house to increase the site’s value. The borrower exited the loan after seven months through refinancing with a mainstream lender.


Valuation: £550,000

LTV:  75%

Start Date: February 2023

Term: 12 Months

Every loan undergoes a comprehensive review, with a detailed pricing matrix that evaluates all risks and addresses exceptions requiring additional due diligence

London

Refurbishment Loan



The loan was to provide funding against a four-bedroom semi-detached bungalow needing upgrades. The loan secured the purchase and funded light refurbishments to boost value. After improvements, the property was rented, and our loan was refinanced with a buy-to-let mortgage.


Valuation: £480,000

LTV: 67%

Start Date: May 2023

Term: 12 Months

Devon
Bridge Loan

The borrower acquired this property and since secured planning permission to develop eight flats through partial demolition and extension work. Currently focused on completing other projects, the borrower plans to secure development finance within the next 12 months to exit our loan before commencing construction on site.



Valuation: £595,000

LTV: 46%

Start Date: October 2024

Term: 12 Months

London

Bridge Loan



The loan was provided  to support a seamless sale process after the property became vacant, as the previous lender declined to extend their loan due to the vacancy. The borrower intends to sell the property, which had previously been rented out for many years.



Valuation: £610,000

LTV:   49%

Start Date: April 2024

Term: 12 Months

London

Bridge Loan

The borrower requiqred funding to purchase a house  for refurbishment and rental. Security included the property being purchased, along with a second unencumbered property. Exit was by way of refinance to a traditional lender.



Valuation: £905,000

LTV:   39%

Start Date: December 2023

Term: 12 Months

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