Ortus Secured Finance

What Ortus Secured Finance does

Ortus Secured Finance is a UK principal lender providing residential and commercial bridging loans and commercial mortgages, founded in 2013 and headquartered in London. The company's loan book spans short-term secured bridging (6-36 month terms) and longer-term commercial mortgage products (up to 5 years), with single-deal capacity up to £25 million. Its customer base is intermediated: Ortus does not advertise direct-to-consumer but operates an exclusively broker-led distribution model, supported by five physical offices (London, Manchester, Glasgow, Belfast, Midlands) each staffed by regional Business Development Managers.

The product portfolio covers residential bridging for UK nationals and offshore borrowers, high-value single-unit and development-exit finance, commercial bridging with 3-year terms available, stabilisation loans for properties or borrowers with transitional challenges (vacant stock, short leases, low WAULT, startups without trading history), a 36-month mid-term commercial product with an ERC-free window from months 18-24, and a 5-year commercial mortgage branded Ortus Flex Funding (max 65% LTV). Underlying operations rely on bespoke, manually-underwritten credit decisions based on financial statements and projections, with stated 24-hour agreement-in-principle turnaround and typical deal completions in 4-6 weeks. The technology stack is not disclosed; the differentiator is human underwriting judgment and local market presence rather than platform or AI-native capabilities.

Ortus earns revenue primarily through monthly interest payments on deployed loan capital and arrangement fees on bridging facilities, with longer-duration commercial mortgages generating recurring interest income. Its positioning targets borrowers underserved by mainstream banks: HNW individuals and offshore SPVs, care home operators, hospitality borrowers, commercial property investors, and SMEs with unencumbered property. The company is privately held and operates as a subsidiary of Icelandic financial institution Kvika banki hf., with no external equity funding rounds disclosed. Growth signals include a 300% YoY increase in residential bridging enquiries, larger average deal sizes, regional expansion, new product launches and emerging co-lending partnerships with OakNorth Bank and Brydg Capital.

Name

Ortus Secured Finance

Legal name

Ortus Secured Finance

Website

https://ortussecuredfinance.co.uk

Company type

Private

Founded year

2013

Operating status

Operating

Headcount range

11–50 employees

Short description

Ortus Secured Finance is a UK principal lender providing residential and commercial bridging loans and commercial mortgages up to £25 million, serving brokers, HNW individuals, care home operators, hospitality borrowers, and SME property borrowers through five regional offices.

Ownership category

akta.pro rank

Product category

Specialist Bridging and Commercial Lending

NAICS

Mortgage and Nonmortgage Loan Brokers (52231)

SIC

Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH)

Keywords

• Bridging loans
• Short-term lending
• Commercial mortgage
• Residential property finance
• Secured lending

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices5 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Technology or R&D, Infrastructure

Revenue model

1. Bridging Loan Interest: Short-term secured loans (6-36 months) for residential and commercial property transactions. Revenue generated through monthly interest payments and arrangement fees on bridging facilities.
2. Commercial Mortgage Interest: 5-year commercial mortgage product for commercial property borrowers. Interest income generated over the term of the loan.
3. Stabilisation Loan Interest: Finance for commercial investment properties or owner-operators requiring stabilization period (3-36 months) before transitioning to longer-term finance.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

Ortus Secured Finance is a UK principal lender providing residential and commercial bridging loans and commercial mortgages through the intermediary broker channel. The company funds complex, time-sensitive property transactions that mainstream banks decline — including offshore borrowers, care homes, hospitality venues, and stabilising commercial assets — with loan sizes from £100,000 to £25 million and credit-backed agreements in principle issued within 24 hours.

Product overview

Ortus Secured Finance is a principal lender providing a comprehensive suite of bridging loans and commercial mortgage products throughout the UK. The product portfolio comprises residential bridging products (Residential Bridging, High-Value Single Unit, Development Exit) and commercial lending solutions (Commercial Bridging, Stabilisation Loan, Commercial Mortgage, Mid-term Commercial Product, Ortus Flex Funding 5-year Commercial Mortgage). The company offers flexible short-term bridging finance from 6-36 months terms alongside longer-term commercial mortgage options up to £25 million. Loans are available to UK nationals, offshore entities, limited companies, partnerships, and institutional clients, with particular expertise in complex borrowing structures including offshore SPVs and trusts.

Differentiator

Problem solved

Functional benefit

Brands

• Ortus Flex Funding: 5-year commercial mortgage product specifically designed for commercial property borrowers
• Mid-term Commercial Product

Products and services

• Residential Bridging Short-term bridging loans for residential property transactions, including auction purchases, quick purchases and capital raising for UK nationals, residents and offshore entities.
• High-Value Single Unit Bespoke mortgage product for foreign nationals and high-value residential property transactions with complex financial arrangements, providing specialist insight and business agility for prime central London properties.
• Development Exit Facilitates refinancing of completed residential developments or unlocking equity for future projects, supporting developers and property investors transitioning from development finance to long-term debt.
• Commercial Bridging Short-term commercial financing for time-sensitive acquisitions, complex borrowing requirements, auction purchases and development loan exits. Three-year loan terms available across multiple commercial property types.
• Stabilisation Loan Finance for commercial investment properties or owner-operators requiring a stabilisation period of 3–36 months before longer-term finance. No early repayment charges apply. Designed for properties with vacant possession, short leases, low WAULT or start-up operators.
• Commercial Mortgage Five-year commercial loan providing flexibility in the face of shifting market dynamics. Available up to £25 million for offices, warehouses, mixed-use, retail, hospitality and care provision. Available to UK and non-UK borrowers including private individuals, limited companies, partnerships, and offshore SPVs.
• Mid-term Commercial Product 36-month mid-term commercial loan with an ERC-free window from months 18 to 24. Designed for restructuring loans when borrowers are struggling to meet banking covenants, supporting debt restructures where existing covenants may be strained.
• Ortus Flex Funding 5-year Commercial Mortgage Five-year commercial mortgage combining traditional mortgage security with bridging-finance swiftness and adaptability. Max LTV 65%, rapid approval, flexible ICR from 5.5% + BBR coverage. Available across leisure & hospitality, light industrial, office, retail, mixed use and healthcare properties.

Quantifiable outcome

• Credit backed agreement in principle issued within 24 hours
• +4 more outcomes

Named customers12 records

Segments7 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature2 records

Partnerships

Five partnerships are on record, tiered minor.

• Lindsay Commercial FinanceminorChannel Partner/ Reseller/ DistributorLindsay Commercial Finance introduced the Limepark Estate wedding venue deal in Northern Ireland. Mervyn Linton, Relationship Director at Lindsay Commercial Finance, commented on the deal.
• Lifetime CapitalminorChannel Partner/ Reseller/ DistributorLifetime Capital, founded by Lee Isham, introduced two offshore borrowers seeking to refinance central London apartments in St John's Wood. Deal completed before year end.
• CapitaliseminorChannel Partner/ Reseller/ DistributorCapitalise collaborated with Ortus and SJPR (a specialist grocery and butcher's shop) to secure a commercial bridging loan for property acquisition.
• BTG AdvisoryminorChannel Partner/ Reseller/ DistributorEric Savill, executive consultant at BTG Advisory, introduced a commercial bridging loan deal secured over a commercial site in East Anglia for restructuring and modernisation.
• Arc & CominorChannel Partner/ Reseller/ DistributorArc & Co completed two loans totalling £13.5m including a £3m exit bridge loan from Ortus Secured Finance for a completed development in central London.

Scale indicators8 records

Recent moves9 records

Expansion highlights6 records

Direct peers

• MT Finance: UK bridging and development exit lender offering residential and commercial bridging loans through a broker network. Highly comparable in product mix, distribution model, and target borrower segments to Ortus.
• West One Loans: Specialist UK lender providing residential and commercial bridging, development finance and second-charge mortgages via intermediaries. Directly competes in Ortus's core bridging and specialist mortgage categories.
• LendInvest: UK platform for buy-to-let, bridging and development finance, combining principal lending with a marketplace model. Comparable for product overlap and broker distribution, with a broader technology-enabled origination stack.
• Together Money: UK specialist lender offering bridging, second-charge mortgages and development finance to complex borrowers including the self-employed and those with non-standard income. Highly comparable in serving borrowers mainstream banks reject.
• Koodoo Lending: Newer UK bridging and short-term property lender focused on speed of execution and digital broker experience. Comparable in product type and broker-led GTM, though with a smaller and more tech-forward footprint.

Broad incumbents

• United Trust Bank: UK challenger bank with a substantial specialist lending division covering bridging, development exit, buy-to-let and structured property finance. A larger incumbent that overlaps directly with Ortus across short-term property lending.
• Shawbrook Bank: UK challenger bank offering commercial, residential bridging and development finance via brokers. Larger balance sheet than Ortus, with comparable product set and intermediary-led distribution.
• Octopus Property: UK specialist property finance arm of Octopus Group providing bridging, development and buy-to-let finance via brokers. Comparable product overlap with Ortus, with deeper institutional backing.
• Aldermore Bank: UK challenger bank with specialist property finance, including commercial and semi-commercial mortgages and bridging. Comparable in commercial property lending but operates at greater scale and with deposit funding.
• Precise Mortgages: UK specialist residential and buy-to-let mortgage lender serving complex borrowers. Adjacent rather than direct — bridges overlap less than commercial property lending, but the specialist, non-mainstream positioning is comparable.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• LinkedInlinkedin.com/company/ortus-secured-finance
• Xx.com/ortussecured

Revenue estimate

Valuation estimate

Number of profiles

Profiles9 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments1 record

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Ortus Secured Finance