Business Details
34 Years
experience
Expert Property Finance Solutions
Established in 1992, we are a principal lender specialising in short-term property finance solutions. Our team of experienced professionals provides tailored bridging loans, development finance, and innovative overdraft facilities directly to property investors, businesses, and homeowners. Regulated by the Financial Conduct Authority, we prioritise swift decision-making and transparent communication, ensuring clients receive dependable financial solutions.Our Alternative Overdraft product offers flexible drawdown options without heavy setup costs, while our development finance supports projects from site acquisition to completion. With decades of industry expertise, we combine speed with strategic insight to deliver industry-leading service across the UK.
Services
Bridging Loans
Development Finance
Alternative Overdraft
Term Loans
Commercial Loans
Details
- Year established: 1992
Highlights and features
- Principal lender since 1992 with hands-on industry experience
- Regulated by the Financial Conduct Authority (FCA)
- Direct broker access to key decision-makers
- Innovative Alternative Overdraft facility with flexible drawdown
- Swift funding for complex property finance requirements
Associations and certifications
- Financial Conduct Authority
What people say
Swift funding
Expert support
Flexible solutions
Dependable commitments
Industry-leading service
Services
Bridging Loans
We provide regulated bridging loans for residential and commercial property purchases, refinancing, and capital release. Our loans support auction acquisitions, refurbishment projects, and working capital needs. With loan-to-value ratios up to 90%, we offer competitive rates and swift funding for property investors and businesses across the UK.
Development Finance
Our development finance solutions cover site acquisition, construction costs, and project completion for residential and commercial schemes. We fund experienced developers and first-time builders with loan amounts up to 5 million. Our flexible terms accommodate complex projects including office conversions, student accommodation, and retail developments nationwide.
Alternative Overdraft
This revolving credit facility allows borrowers to draw down and repay funds as needed, ideal for managing cashflow gaps or unexpected expenses. Available for property purchases, refurbishments, and business investments, it avoids setup fees while providing instant liquidity for both individual and corporate clients across the UK.
Commercial Loans
We offer tailored commercial loans for business premises acquisition, equipment financing, and operational cashflow. Our products support SMEs and property investors with fast approvals and flexible repayment terms. Recent projects include retail parks, hospitality venues, and industrial units across England and Wales.
Term Loans
Our term loans provide structured financing for property investments and business growth. With repayment periods typically 12-36 months, these loans suit long-term projects requiring stable financing. We've funded restaurant conversions, HMO developments, and commercial property acquisitions with competitive interest rates and clear terms.
People
Paul Gavin
Head of Sales
With extensive experience in property finance, Paul leads our sales team, ensuring clients receive tailored lending solutions. He specialises in bridging and development finance, delivering results for complex projects across the UK.
Phodis Maratheftis
Business Development Director
Phodis manages key broker relationships and oversees business development strategy. His expertise in short-term finance helps brokers secure funding for clients' property investments and development schemes nationwide.
Taylor Osunsedo
BDM, London and South West
Taylor supports brokers in London and the South West with financing solutions. He specialises in residential and commercial bridging loans, ensuring swift funding for property purchases and refurbishment projects.
Chris Roscoe
BDM, Northern Regions
Covering Northern England, Chris provides expert guidance on property finance options. He works closely with brokers to deliver tailored solutions for residential and commercial developments in the region.
Michael Halsey
BDM, Hertfordshire & Essex
Michael supports brokers in Hertfordshire and Essex with bridging and development finance solutions. His local market knowledge ensures clients receive appropriate funding for property investments and business growth.
Questions
What types of loans do you offer?
We provide bridging loans, development finance, term loans, commercial loans, and our Alternative Overdraft facility for property and business needs.
How quickly can I get funding?
Many loans complete within weeks, with some cases funded in days depending on project complexity and documentation.
Are you regulated by the FCA?
Yes, both our companies are authorised and regulated by the Financial Conduct Authority.
Can I use loans for property auctions?
Yes, we frequently fund auction purchases with completion times matching auction deadlines.
What areas do you cover?
We operate nationwide across the UK, including England, Wales, and Scotland.
Do you work with brokers?
Yes, we actively support brokers with direct access to decision-makers and competitive financing options.
