Real estate credit
We invest in 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 financing solutions such as bridging, refurbishment, and development loans. Direct lending is conducted through our separate 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 - £3m
Term: 3- 12 months
Maximum LTV: 75%
Refurbishment
Loan size: £300k - £3m
Term: 3- 12 months
Maximum LTV: 70%
Development
Loan size: £300k - £3m
Term: 3- 24 months
Maximum LTV: 65%
Case Studies
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
Date repaid: May 2024
Kent
Acquisition & 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
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
Date repaid: September 2024
Every loan undergoes a comprehensive third-party review, with a detailed pricing matrix that evaluates all risks and addresses exceptions requiring additional due diligence
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
Date repaid: November 2023
London
Light-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
Date repaid: November 2023
Devon
Bridge Loan
The borrower acquired this property in 2021 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
Case Studies
Every loan undergoes a comprehensive third-party review, with a detailed pricing matrix that evaluates all risks and addresses exceptions requiring additional due diligence
London
Bridge Loan
The borrower acquired this property in 2021 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
Kent
Bridge 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: £595,000
LTV: 46%
Start Date: October 2024
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
Date Repaid: November 2024
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: £480,000
LTV: 67%
Start Date: October 2024
Term: 12 Months
Devon
Bridge Loan
The borrower acquired this property in 2021 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
Light-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
Date Repaid: November 2023
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