Specialist finance

Bridging, development & commercial finance.

Elena matches your deal to 40+ UK specialist lenders in under 60 seconds — indicative terms, fees and exit routes included.

AI summary

Specialist finance is UK non-standard property lending — bridging loans (short-term monthly-priced), development finance (staged, up to 65% GDV) and commercial mortgages (long-term, secured on commercial or semi-commercial assets). Elena screens 40+ specialist lenders including MT Finance, United Trust Bank, Shawbrook, Together, Interbay and Assetz Capital, returning three matched facilities with rates, LTV and exit strategy.

FAQ

Questions, answered.

What counts as specialist finance in the UK?

UK specialist finance covers short-term and non-standard property lending — bridging loans (0.79–1.15%/mo), property development finance (up to 65% GDV), commercial mortgages (up to 75% LTV), semi-commercial, HMO term loans, second-charge mortgages, and finance for SPVs, LLPs and pension trusts. It is priced individually by lenders such as MT Finance, United Trust Bank, Shawbrook, Together and Interbay.

How is specialist finance different from a standard mortgage?

Standard mortgages are long-term (25+ year) residential loans priced on income multiples. Specialist finance is typically short-term (3–24 months for bridging and development) or commercial (5–25 year terms secured on non-residential assets), priced on asset value, exit strategy and EBITDA / rental cover rather than personal income.

How fast can specialist finance complete?

Bridging: 5–10 working days for MT Finance, UTB and Together with light legal packs. Development finance: 3–6 weeks including valuation and monitored surveyor. Commercial mortgages: 6–12 weeks depending on complexity.

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