Business Details
15 Years
experience
Trusted Real Estate Finance Solutions in London
Pluto Finance has established itself as a leading provider of real estate finance solutions since its inception in 2011. Our 30-strong team of property finance experts brings over 250 years of combined lending experience, enabling us to deliver tailored financing solutions across development, bridging, and investment finance. We specialise in loan sizes ranging from 1m to 150m, with a particular focus on residential development projects that address housing shortages while preserving architectural heritage. Our relationship-driven model ensures borrowers receive dedicated support from initial discussions through to repayment, with Lending Directors based in every operational region. We pride ourselves on our ability to provide financing solutions that balance competitive pricing with flexibility, having facilitated over 3.5bn in capital across 300+ transactions.Backed by institutional investors including pension funds and insurers, we maintain a principal lender approach that prioritises long-term borrower relationships. Our commitment to sustainable development is demonstrated through our Low Carbon Lending product, which offers financing discounts for projects implementing whole-life carbon reduction strategies. With offices in London and Edinburgh, we serve developers and investors across the UK and Europe, maintaining a strong track record of supporting both repeat borrowers and new clients through complex financing scenarios.
Services
Development Finance
Bridging Finance
Investment Finance
Sustainable Development Loans
ESG-Focused Financing
Details
- Year established: 2011
Highlights and features
- We offer over 250 years of combined lending experience across our specialist team
- Our financing solutions support loan sizes from 1m to 150m
- We provide tailored financing structures with leverage up to 70% LTGDV
- Our relationship-driven model ensures dedicated support throughout the loan lifecycle
- We deliver specialist financing for sustainable development projects
What people say
Exceptional speed
Expert handling
Dedicated support
Sustainable focus
Complex solutions
Services
Development Finance
We provide tailored development finance solutions for residential and commercial projects across the UK and Europe. Our loans range from 1m to 150m, supporting schemes from small-scale developments to large mixed-use projects. With flexible structures and leverage up to 70% LTGDV, we specialise in complex transactions including heritage site conversions and sustainable developments. Our dedicated Lending Directors ensure expert guidance throughout the project lifecycle.
Bridging Finance
Our bridging finance solutions offer rapid funding for time-sensitive property transactions. Designed for developers requiring immediate capital, we provide competitive rates with streamlined approval processes. Our expertise extends to challenging cases involving planning uncertainties or complex land titles, supported by a team with extensive experience in resolving intricate financing scenarios across various property types.
Investment Finance
We deliver specialist investment finance for real estate investors seeking to acquire or develop commercial and residential assets. Our products cater to Build-to-Rent (BTR) schemes, Permitted Development (PD) conversions, and portfolio acquisitions. With access to patient capital from institutional investors, we structure flexible terms that align with long-term investment strategies while maintaining competitive pricing for high-quality schemes.
Sustainable Development Loans
Our Low Carbon Lending product offers preferential financing for developments implementing whole-life carbon reduction strategies. We support projects exceeding standard energy efficiency requirements, including those incorporating biodiversity net gain measures. Our ESG-focused team works closely with developers to structure financing solutions that align with environmental regulations while enhancing long-term asset value through sustainable design principles.
ESG-Focused Financing
We integrate Environmental, Social, and Governance (ESG) factors into our lending decisions, offering tailored financing for developments that prioritise sustainability. Our expertise includes funding projects with biodiversity enhancement plans and energy-efficient building standards. We provide advisory support to help developers meet regulatory requirements while delivering financial returns through responsible real estate investments.
People
Simon Chapman
Lending Director
With over 15 years in property finance, Simon has arranged 1.2bn in loans including a 45m West Hampstead development. He specialises in complex transactions, recently navigating a challenging Kent site with uncertain planning consent to successful completion.
Evan Griffin
Lending Director
Regional expert for Northern England, Evan led the 17m financing of Leeds' Grade II listed Mount St Mary's Church redevelopment. His expertise in heritage projects combines historical preservation with modern residential requirements, ensuring viable financial structures for complex schemes.
Mario Ioannides
Partner
As a founding team member, Mario oversees major transactions including the 55m Brentford BTR scheme. He specialises in office-to-residential conversions, leveraging his extensive industry network to deliver innovative financing solutions for repeat borrowers and new clients.
Matt Tucker
Director, Construction & ESG
Environmental strategy lead with expertise in Biodiversity Net Gain legislation. Matt developed our Low Carbon Lending product, advising developers on compliance with new planning regulations while maintaining project viability through tailored financing arrangements.
Justin Faiz
CEO & Co-Founder
Co-founder and strategic leader, Justin has shaped Pluto Finance's growth since 2011. With deep industry experience, he established our principal lending model and institutional investor partnerships, maintaining focus on relationship-driven finance in a competitive market.
Questions
What types of real estate finance does Pluto Finance offer?
We specialise in development finance, bridging finance, and investment finance for residential and commercial projects across the UK and Europe, with loan sizes from £1m to £150m.
How does Pluto Finance support sustainable development?
Our Low Carbon Lending product offers financing discounts for projects implementing whole-life carbon reduction strategies and biodiversity net gain measures, aligning with ESG principles.
What makes Pluto Finance different from other lenders?
We combine relationship-driven service with flexible financing structures, offering leverage up to 70% LTGDV and tailored solutions for complex transactions through our experienced regional Lending Directors.
Which geographic areas does Pluto Finance operate in?
We provide financing solutions across the UK and Europe, with Lending Directors based in all operational regions to ensure local market expertise.
What is the typical loan processing timeline?
We prioritise swift execution, with straightforward cases completed in 4-6 weeks and complex transactions typically finalised within 8-12 weeks, depending on due diligence requirements.
