Lender Profiles
Independent profiles of specialist bridging and secured loan providers active in the UK intermediary market. This list is not comprehensive and does not represent all lenders available. Each profile covers criteria, rates, product details, and FAQs. All information is for educational purposes only and does not constitute financial advice. Rates and criteria are subject to change.
Specialist lenders offering bridging loans, refurbishment finance, development lending, and other short-term property finance products. Some also offer longer-term secured loans or buy-to-let mortgages alongside their bridging range.
Together Money
Specialist lender offering bridging, secured loans, and buy-to-let. Known for flexible criteria and a common-sense approach to cases mainstream lenders decline.
United Trust Bank
Specialist bank offering bridging, development finance, and second charge mortgages. One of the largest and most established specialist lenders in the UK.
Precise Mortgages
Part of the OSB Group. Bridging finance with competitive rates for refurbishment, auction purchases, and chain breaks.
LendInvest
Technology-driven bridging and development finance lender. Straightforward underwriting with an efficient process for timely completions.
Octopus Real Estate
Part of Octopus Group. Bridging, refurbishment, development, and buy-to-let. Fast Track AVM route. No early repayment charges. B Corp certified.
Kuflink
Bridging, development, refurbishment, and auction finance funded through a peer-to-peer platform. B Corp certified. Unregulated loans only.
MT Finance
Regulated and unregulated bridging. Terms within the hour. No ERCs. Up to £10m on residential. Backed by Centerbridge, JP Morgan, and PIMCO.
Masthaven Finance
Regulated and unregulated bridging, refurbishment, and development. Founded 2004. Manual underwriting. Over 20 years of specialist lending.
Mint Property Finance
Formerly Mint Bridging. Privately funded. Up to 85% LTV on standard bridge, 90% LTV on GDV-based refurbishment. No minimum term. Founded 2011.
Inspired Lending
Backed by the Pears family. Founded by former UTB bridging director Gavin Diamond. Flexible Funding Facility for portfolio investors. Rates from 0.79% p.m.
Specialist lenders offering second charge mortgages, homeowner loans, and other longer-term secured lending products. Some also offer bridging finance alongside their secured loan range.
Together Money
Second charge mortgages alongside bridging and buy-to-let. Flexible criteria. Common-sense underwriting for borrowers outside mainstream lending.
United Trust Bank
Specialist bank with second charge mortgages alongside bridging and development finance. One of the most established names in the UK specialist lending market.
Pepper Money
Specialist second charge mortgage lender. Part of a global lending group. Known for flexible criteria including complex income and adverse credit.
Evolution Money
Specialist homeowner loan provider focused on adverse credit borrowers. Direct lender with an in-house underwriting team.
Admiral
Secured loans from the well-known UK financial services group. Homeowner loans for debt consolidation, home improvements, and other purposes.
Selina Finance
The UK's first Home Equity Line of Credit provider, alongside a traditional homeowner loan. Draw, repay, and draw again. Certified B Corporation.
Norton Home Loans
Family-owned specialist lender since 1974. Second charge mortgages from £3,000. Manual underwriting. Adverse credit, benefits, and self-employed considered.
Central Trust
Second charge mortgages up to 90% LTV. Full UK coverage including Northern Ireland. Apply direct or through a broker. MoneyAge Lender of the Year 2024.
Equifinance
Specialist second charge lender with over 13 years of lending history. Four product tiers from clean credit to adverse. Manual underwriting throughout.
Interbridge Mortgages
Fast-growing second charge lender with dynamic pricing. £250m+ lent in year one. £300m Citi facility. Trustpilot 4.9. Paperless from day one.
This page is for informational purposes only and does not constitute financial advice. All lender profiles are based on published information at the time of research. Lending criteria, rates, and product availability are subject to change without notice. Your home may be at risk if you do not keep up repayments on a mortgage or any other debt secured on it. Bridging loans are secured against property; if you cannot repay the loan at the end of the term, the property may be repossessed. Actual costs and eligibility depend on individual circumstances and the lender's assessment at the time of application.