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The panel
Over 100 lenders.
One directory.
Every lender on the panel is relationship-managed — meaning direct access to the credit committee, not a call centre. From high-street banks to family offices to institutional debt, the full capital stack is covered.
- Lenders on file
- 25
- Lender types
- 7
- Products covered
- 7
Browse the panel
A selection of the lenders we work with.
Illustrative of the panel’s breadth. Matt maintains the working relationships, including lenders not listed publicly.
Showing 25 of 25 lenders
Meridian Bank
One of the UK's leading high street lenders with a dedicated property development division. Known for competitive pricing on straightforward residential schemes in established locations.
Loan Range
£1M - £75M
Rate
From 5.5% p.a.
Max LTV
65% LTGDV
Turnaround
4-6 weeks
- Lowest rates for experienced developers with strong track records
- Dedicated relationship managers across all UK regions
Crown Commercial Bank
A major clearing bank with a well-resourced real estate finance team. Strong appetite for mixed-use schemes and urban regeneration projects backed by planning consent.
Loan Range
£2M - £100M
Rate
From 5.8% p.a.
Max LTV
60% LTGDV
Turnaround
4-8 weeks
- Deep expertise in mixed-use and regeneration schemes
- Ability to provide follow-on commercial mortgage at completion
Albion National
A trusted high street name with appetite for both residential and commercial development lending. Offers preferential terms for repeat borrowers and portfolio developers.
Loan Range
£500K - £50M
Rate
From 5.9% p.a.
Max LTV
65% LTGDV
Turnaround
3-6 weeks
- Preferential pricing for repeat borrowers
- Will consider pre-planning sites for experienced developers
Oakbridge Capital
A leading specialist property lender with over 15 years in the development finance market. Combines institutional-grade processes with entrepreneurial flexibility on complex structures.
Loan Range
£500K - £30M
Rate
From 7.0% p.a.
Max LTV
70% LTGDV
Turnaround
2-4 weeks
- Flexible on complex sites including permitted development conversions
- In-house legal team speeds up documentation
Castlegate Finance
Specialist in funding residential development projects across England and Wales. Particularly active in the mid-market space with schemes of 5-50 units.
Loan Range
£250K - £20M
Rate
From 7.5% p.a.
Max LTV
70% LTGDV
Turnaround
2-3 weeks
- Strong appetite for first-time developers with relevant experience
- Flexible on phased drawdowns and cost overrun facilities
Thornfield Lending
A specialist lender focused exclusively on property development and refurbishment. Known for creative structuring and willingness to look beyond standard underwriting criteria.
Loan Range
£300K - £25M
Rate
From 7.2% p.a.
Max LTV
75% LTGDV
Turnaround
2-3 weeks
- Considers non-standard construction methods and modular builds
- Experienced with Section 106 and affordable housing obligations
Pennine Property Finance
Northern-headquartered specialist with strong relationships across the Midlands and North. Excellent track record funding schemes in secondary locations where high street banks hesitate.
Loan Range
£200K - £15M
Rate
From 7.8% p.a.
Max LTV
70% LTGDV
Turnaround
2-4 weeks
- Deep knowledge of Northern and Midlands property markets
- Will fund schemes in locations other lenders avoid
Nexus Bank
A fast-growing challenger bank with a technology-driven approach to development lending. Streamlined application processes and rapid credit decisions set them apart from traditional lenders.
Loan Range
£500K - £40M
Rate
From 6.5% p.a.
Max LTV
70% LTGDV
Turnaround
2-4 weeks
- Digital-first platform with real-time drawdown tracking
- Competitive rates rivalling high street banks
Hartland Bank
A challenger bank specialising in SME property lending. Strong appetite for experienced developers seeking to scale their portfolios with a supportive banking partner.
Loan Range
£750K - £35M
Rate
From 6.8% p.a.
Max LTV
65% LTGDV
Turnaround
3-5 weeks
- Dedicated development finance team with sector expertise
- Portfolio lending facilities for multi-site developers
Vanguard Commercial
An ambitious challenger bank with particular strength in commercial and mixed-use development lending. Growing rapidly across the South East and Midlands.
Loan Range
£1M - £50M
Rate
From 6.2% p.a.
Max LTV
65% LTGDV
Turnaround
3-5 weeks
- Strong appetite for commercial and mixed-use schemes
- Competitive rates for well-located sites with planning
Sterling & Co
A private family office providing bespoke development finance and equity solutions. Known for their discretion, speed, and willingness to structure around complex developer needs.
Loan Range
£1M - £25M
Rate
From 8.5% p.a.
Max LTV
85% LTGDV
Turnaround
1-2 weeks
- Bespoke structuring including profit-share and equity arrangements
- Single decision-maker enables rapid credit approval
Beaumont Private Capital
A multi-generational family office with deep roots in UK property. Provides senior and mezzanine debt alongside equity co-investment for premium residential developments.
Loan Range
£2M - £40M
Rate
From 8.0% p.a.
Max LTV
80% LTGDV
Turnaround
1-3 weeks
- Can provide entire capital stack from one source
- Significant appetite for prime central London and Home Counties
Ashworth Family Office
A discreet private lending operation backed by a UK industrialist family. Focuses on smaller, high-conviction deals where speed and certainty of execution matter most.
Loan Range
£500K - £10M
Rate
From 9.0% p.a.
Max LTV
80% LTGDV
Turnaround
3-7 days
- Fastest decision-making of any lender on our panel
- Will fund pre-planning acquisitions for the right borrower
Cavendish Wealth Partners
A sophisticated family office deploying capital across mezzanine and equity positions. Particularly active in the build-to-rent and student accommodation sectors.
Loan Range
£3M - £30M
Rate
From 10% p.a.
Max LTV
90% LTGDV
Turnaround
1-3 weeks
- Specialist appetite for build-to-rent and student housing
- Can stretch to 90% LTGDV via combined senior and mezz
Commonwealth Asset Management
An institutional asset manager deploying insurance and pension capital into UK development finance. Offers the most competitive pricing for large-scale, low-risk schemes.
Loan Range
£10M - £150M
Rate
From 5.0% p.a.
Max LTV
60% LTGDV
Turnaround
6-10 weeks
- Lowest rates available for institutional-grade schemes
- Long-term funding relationships with major housebuilders
Sovereign Real Estate Finance
Part of a major European insurance group, providing development finance for large-scale residential and mixed-use schemes. Conservative underwriting with extremely competitive pricing.
Loan Range
£15M - £200M
Rate
From 4.8% p.a.
Max LTV
55% LTGDV
Turnaround
8-12 weeks
- The most competitive rates in the market for qualifying schemes
- Very long-term facilities available including forward funding
Atlas Capital Partners
An institutional fund manager deploying capital from multiple pension funds into UK property development. Active across the full capital stack from senior debt to preferred equity.
Loan Range
£5M - £100M
Rate
From 6.0% p.a.
Max LTV
75% LTGDV
Turnaround
4-8 weeks
- Can provide full capital stack solutions from single source
- Flexible on phasing and multi-site portfolio facilities
Rapide Finance
The UK's fastest bridging lender with a fully automated valuation and legal process. Specialises in auction finance and time-critical acquisitions where same-week completion is essential.
Loan Range
£100K - £15M
Rate
From 0.55% p.m.
Max LTV
75% LTV
Turnaround
3-7 days
- Completion in as little as 3 working days for standard cases
- Automated valuation model for properties under £1M
Bridgewell Capital
A well-capitalised bridging lender with an in-house fund providing certainty of execution. Particularly strong on regulated bridging, second charges, and complex security structures.
Loan Range
£150K - £25M
Rate
From 0.59% p.m.
Max LTV
75% LTV
Turnaround
5-10 days
- In-house funding removes third-party delay risk
- Regulated bridging available for owner-occupier situations
Fleetway Lending
A specialist short-term lender focused on property professionals and portfolio landlords. Offers competitive rates with a streamlined repeat-borrower programme for established clients.
Loan Range
£75K - £10M
Rate
From 0.49% p.m.
Max LTV
70% LTV
Turnaround
5-10 days
- Market-leading rates for low-LTV bridging transactions
- Repeat borrower programme with reduced fees and rates
Swiftbridge Finance
An agile bridging lender specialising in auction purchases, chain breaks, and time-sensitive acquisitions. Their 24-hour DIP process and dedicated case managers ensure rapid completion.
Loan Range
£50K - £5M
Rate
From 0.65% p.m.
Max LTV
80% LTV
Turnaround
3-5 days
- 24-hour decision in principle for standard applications
- Will stretch to 80% LTV for prime residential security
Groundworks Development Finance
A dedicated development finance lender with construction industry expertise at every level. Their monitoring surveyors and credit team all have hands-on development backgrounds.
Loan Range
£500K - £35M
Rate
From 6.8% p.a.
Max LTV
75% LTGDV
Turnaround
2-3 weeks
- Construction-experienced credit team understands build risk
- Pragmatic approach to cost overruns and programme changes
Brickwork Finance
Purpose-built for property developers, offering development finance from land acquisition through to exit. Particularly strong with first-time developers transitioning from refurbishment.
Loan Range
£250K - £20M
Rate
From 7.5% p.a.
Max LTV
70% LTGDV
Turnaround
2-3 weeks
- Supportive of developers stepping up from refurb to ground-up
- Flexible on experience requirements with strong project fundamentals
Elevate Development Capital
A development finance specialist with a focus on sustainable and energy-efficient builds. Offers preferential terms for schemes exceeding current building regulation energy standards.
Loan Range
£1M - £45M
Rate
From 6.5% p.a.
Max LTV
75% LTGDV
Turnaround
2-4 weeks
- Green premium - reduced rates for EPC A-rated developments
- Strong appetite for modular and MMC construction methods
Siteline Capital
Specialist lender exclusively focused on residential development finance across the UK. Known for pragmatic underwriting and deep understanding of regional housing markets.
Loan Range
£300K - £18M
Rate
From 7.2% p.a.
Max LTV
70% LTGDV
Turnaround
2-3 weeks
- Regional market specialists with local knowledge across the UK
- Flexible on unit mix including houses, flats, and bungalows
Lender categories
Who actually funds these deals.
We group the panel by the type of capital on offer. Different schemes need different lenders — and the right match usually sets the price.
High Street Bank
Major UK retail banks offering competitive rates for lower-risk development schemes with strong covenants.
3 lenders on file
Specialist Lender
Dedicated property finance lenders with deep sector expertise and flexible underwriting criteria.
4 lenders on file
Challenger Bank
Newer entrants to the banking market offering innovative products and faster decision-making.
3 lenders on file
Family Office
Private wealth vehicles providing bespoke lending and equity solutions for experienced developers.
4 lenders on file
Institutional
Insurance companies, pension funds, and asset managers deploying capital into development finance.
3 lenders on file
Bridging Specialist
Lenders focused on short-term bridging finance with rapid completion timelines and flexible security.
4 lenders on file
Development Specialist
Lenders exclusively focused on ground-up development finance with deep construction lending expertise.
4 lenders on file
The broker advantage
Four things a panel does that a price-comparison sheet can’t.
01
Wider access
One application reaches 100+ lenders. We know which are active, which have appetite, and which will move fastest for your scheme.
02
Better terms
Lenders compete for your deal. We use volume and relationships to negotiate rates, fees and covenant packages.
03
Faster decisions
Direct relationships with credit committees mean fewer rounds. We know exactly what each lender needs to see.
04
Structuring
Complex deals need creative stacks. We combine senior, mezzanine and equity from multiple lenders into one coherent facility.
Use the panel
One call reaches the
right lender for your deal.
Send us the outline and we come back with indicative terms from the best-fit lenders inside a working day.