Three decades on the inside of lending decisions. Now funding property deals that others overcomplicate.

Two to four weeks is typical. Completion within 5–10 working days is often possible where title is clean, the valuation is straightforward and both sides agree to dual representation. The pace is usually set by solicitors and valuers rather than the lender, so we tell you at the outset what your timeline realistically depends on.

Most lenders fund up to around 70% of gross development value and 80 to 90% of total costs, so expect to put in 10 to 20% of cost yourself, plus fees and interest sitting outside the facility. Land already owned at value can count toward that contribution. Experience and scheme quality move the numbers.

Yes. A decline often means the case went to the wrong lender, or the story behind it was never explained properly. Send us what happened and we will say honestly whether there is a route or whether the deal genuinely does not work. If it does not, you will hear that quickly rather than after weeks of effort.

There is no charge for the initial conversation or for going to market on your behalf. Where a broker fee applies on a completed facility, it is agreed in writing before any application is submitted and disclosed alongside any commission the lender pays us. You will never see a fee you have not already agreed to.

For most cases: the property or scheme, the purchase price or current value, how much you need, what the money is for, your exit route and a rough timescale. For development, add build cost and expected gross development value. That is usually enough for a first view. Detailed documents come later, once a lender is chosen.

Yes. We work with accountants, solicitors, estate agents and IFAs who would rather refer a case than run it themselves. Your client stays your client, you are kept informed at each stage, and commission arrangements are agreed in writing up front. There is a dedicated page setting out how the referral process works.