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Houses and flats.

From single dwellings to small portfolios: investment lending secured against residential property. Light works through to heavy refurbishment and conversions.

Get an indicative quote Product guide
Refurbished two-storey brick and render house
Residential · up to 75% LTV
Loan size
£250k – £1.5m
Term
3 – 12 months
LTV
up to 75%
Rates from
0.79% / month
Exit fees
None
Geography
England
Security
1st charge + Ltd Co. debenture & PG
Borrower
Ltd Co., LLP or sole trader

What we lend on.

We’re specific about what we do. If your deal isn’t on the list, ask anyway. We’ll tell you straight.

  • Single dwellings

    Freehold and long leasehold houses and flats.

  • Light refurbishment

    Cosmetic, non-structural works before a sale or refinance.

  • Small portfolios

    Bridges across more than one property.

  • Auction purchases

    We work to your completion deadline.

  • Conversions

    Permitted development and full planning.

  • Mid-works refinance

    Bring a stalled scheme back on track.

Where we generally don’t lend

  • Regulated owner-occupier mortgages
  • Properties held via an overseas SPV without UK security
  • Purpose-built student accommodation

Recent deals. Real outcomes.

All projects

Three steps. One person.

  1. 4 hrsto an indication

    Talk to our team

    Speak with one of our dedicated experts, who will assess your needs and guide you through the process.

  2. 1named contact, start to finish

    Complete a simple application

    Fill out our streamlined form with the essential details, for a fast and tailored review of your deal.

  3. 2–3 wkstypical drawdown

    Receive a swift decision

    Terms confirmed in writing, then funds released on completion, with the same person on your file throughout.

Residential questions.

Do you lend to owner-occupiers?

No. Our loans are unregulated and for business purposes only, so we can’t lend on a home you or your family live in or plan to live in. We lend on investment and development property.

What exits do you accept?

Sale or refinance. Tell us which, and how far along it is. A credible exit matters more to us than a perfect one.

Other sectors

Got a residential deal? Let’s talk.

Send us the headline numbers and we’ll come back within four working hours with indicative terms, or tell you straight if it’s not for us.

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