UK Property Finance — Same-day decisions in principle +44 20 8064 1932 enquiries@ukmortgagefinance.com
Commercial · Buy-to-Let · Bridging Finance

Property finance,
arranged with certainty.

We arrange commercial mortgages, buy-to-let and bridging finance across the whole of market — securing the right facility for investors, developers and businesses when timing and structure matter most.

Funds £100,000 — £10,000,000+  ·  Same-day decision in principle

At a glance

£100k–£10m+
Loan sizes arranged
3–21 days
To completion on bridging
200+ lenders
Mainstream plus private funding lines
1–24 months
Flexible short-term terms
How we source your finance
200+ mainstream & private lenders AI-powered lender sourcing Whole-of-market access UK-wide coverage
What we arrange

Three specialisms, one dedicated team.

Whether you're refinancing a commercial premises, scaling a buy-to-let portfolio or moving fast on an auction lot, we structure the right facility from the right lender — and manage it to completion.

Instant finance calculators

See your numbers in seconds.

Commercial, buy-to-let or bridging — get an instant, indicative breakdown, then email the figures or ask us to review a real requirement.

£
£
Monthly payment
Total interest
Total repayable
LTV:

Illustration only, not a quote or financial advice. Commercial rates and terms vary by lender, property and covenant.

£
£
£
Monthly mortgage (interest-only)
Rental cover (ICR)
Gross yield
Loan-to-value

Illustration only. Lenders typically require rent to cover 125%–145% of the mortgage interest at a stress rate. Not a quote or advice.

£
£
% of gross loan
Monthly interest
Total interest (term)
Arrangement fee
Total finance cost
Estimated balance at end
Gross LTV: —

Rolled-up interest is added to the estimated balance at the end. Starting assumptions are 0.75% monthly interest and a 1% arrangement fee calculated on the gross loan; both are adjustable. This simple-interest calculation is indicative only, not a quote, offer or financial advice. It excludes valuation, legal and any other lender or third-party costs. Actual terms depend on the lender, property and circumstances.

Use the calculator without entering your details Only complete a form if you want the figures emailed or would like us to review a real requirement.
Call +44 20 8064 1932
Why clients & introducers choose us

We look for the reason to say yes.

01

Whole of market

Over 200 mainstream and private lenders, sourced with AI-assisted matching so your case meets the right desk first time.

02

Speed when it counts

Same-day decisions in principle and bridging completions in as little as three days.

03

Complex cases welcome

Adverse credit, unmortgageable property and unusual structures — we focus on the asset and the plan.

04

One point of contact

A named specialist from enquiry to completion — no call centres, no being passed around.

How we search the whole market

The whole market, searched in minutes.

We compare your case across a whole-of-market panel of mainstream and private lenders in minutes, not days — using specialist sourcing technology that searches the market in real time.

200+

Whole-of-market panel

Access to 200+ mainstream and private lenders and their live lending criteria across our whole-of-market panel.

1,000s

Products compared

Thousands of products matched to your deal in seconds — by asset class, loan size, leverage and exit.

Fast

Decisions in principle

Indicative terms and decisions in principle in minutes, so you can move on opportunities with certainty.

A whole-of-market panel

Examples of lenders and funding lines available through our market search.

A selection of the mainstream and specialist lenders available to your case across our whole-of-market panel.

Lloyds Bank
Barclays
NatWest
HSBC
Santander
Halifax
Nationwide
TSB
Coutts
Metro Bank
Virgin Money
Aldermore
Shawbrook
Together
Paragon
United Trust Bank
Allica Bank
OakNorth
Cambridge & Counties
Hampshire Trust Bank
Close Brothers
Precise
LendInvest
Octopus Real Estate
MT Finance
InterBay
Roma Finance
Hope Capital
Castle Trust Bank
Pallas Capital
Recent completions

Real cases, real timescales.

UK · Bridging
£450,000
Bridging loan against an £820,000 property.
Completed in 9 days
Auction
£420,000
Auction purchase, fast completion.
Deadline met
Development Exit
£1,200,000
Refinance of unsold units.
Capital released
Bad Credit
£280,000
Purchase with adverse credit profile.
Approved on asset
Unmortgageable
£310,000
Property declined by high-street lenders.
Funded
How it works

Three steps to funded.

Submit your enquiry

Tell us the property details and your funding requirement. No obligation, no jargon.

Lender sourcing

We source suitable specialist lenders and funding options and return indicative terms quickly.

Funds released

Once approved, we manage valuation and legals through to completion and drawdown.

Client experience

Recent client feedback.

"

Professional, responsive and clearly very experienced. They guided us through a bridging loan and refinance onto a buy-to-let mortgage with no issues.

— Landlord client
"

We'd been declined elsewhere due to a complex situation, but they structured a solution and got the deal done quickly.

— Property investor
"

Great communication throughout and access to lenders we didn't even know existed. Highly recommend for anyone needing fast property finance.

— Developer
Get started today

Ready to discuss your requirement?

Our senior specialists will discuss your project and provide an indicative quote with no obligation.