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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

High Street Bank

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
Development FinanceCommercial MortgagesDevelopment Exit Finance
High Street Bank

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
Development FinanceCommercial MortgagesRefurbishment Finance
High Street Bank

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
Development FinanceCommercial MortgagesDevelopment Exit Finance+1 more
Specialist Lender

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
Development FinanceMezzanine FinanceBridging Loans+2 more
Specialist Lender

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
Development FinanceRefurbishment FinanceDevelopment Exit Finance
Specialist Lender

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
Development FinanceMezzanine FinanceRefurbishment Finance+1 more
Specialist Lender

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
Development FinanceRefurbishment FinanceCommercial Mortgages+1 more
Challenger Bank

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
Development FinanceBridging LoansRefurbishment Finance+1 more
Challenger Bank

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
Development FinanceCommercial MortgagesBridging Loans+1 more
Challenger Bank

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
Development FinanceCommercial MortgagesRefurbishment Finance
Family Office

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
Development FinanceMezzanine FinanceEquity & Joint Ventures+1 more
Family Office

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
Development FinanceMezzanine FinanceEquity & Joint Ventures
Family Office

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
Bridging LoansMezzanine FinanceEquity & Joint Ventures+1 more
Family Office

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
Mezzanine FinanceEquity & Joint VenturesDevelopment Finance
Institutional

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
Development FinanceCommercial MortgagesDevelopment Exit Finance
Institutional

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
Development FinanceCommercial Mortgages
Institutional

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
Development FinanceMezzanine FinanceEquity & Joint Ventures+1 more
Bridging Specialist

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
Bridging LoansDevelopment Exit FinanceRefurbishment Finance
Bridging Specialist

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
Bridging LoansRefurbishment FinanceDevelopment Exit Finance
Bridging Specialist

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
Bridging LoansRefurbishment FinanceCommercial Mortgages
Bridging Specialist

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
Bridging LoansDevelopment Exit Finance
Development Specialist

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
Development FinanceMezzanine FinanceDevelopment Exit Finance
Development Specialist

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
Development FinanceRefurbishment FinanceDevelopment Exit Finance+1 more
Development Specialist

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
Development FinanceMezzanine FinanceEquity & Joint Ventures
Development Specialist

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
Development FinanceDevelopment Exit FinanceRefurbishment Finance

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.

  1. 01

    Wider access

    One application reaches 100+ lenders. We know which are active, which have appetite, and which will move fastest for your scheme.

  2. 02

    Better terms

    Lenders compete for your deal. We use volume and relationships to negotiate rates, fees and covenant packages.

  3. 03

    Faster decisions

    Direct relationships with credit committees mean fewer rounds. We know exactly what each lender needs to see.

  4. 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.