UK Property Finance

What UK Property Finance does

UK Property Finance Ltd is an FCA-regulated, whole-of-market property finance broker headquartered in Kibworth, South Leicestershire, operating as a private limited company under FCA registration number 667602. Founded around 2003 and active for over 20 years, the firm connects UK borrowers with a network of more than 200 lenders across bridging loans, development finance, residential and buy-to-let mortgages, secured loans, commercial finance, auction finance, and mezzanine finance. Its core customer segments are individual homeowners, property investors, property developers, and business owners seeking commercial property funding, with a secondary channel for third-party brokers and introducers who refer clients under protected branding.

The platform is built around a web-based broker interface that combines direct advisor support, self-serve digital tools (including calculators for bridging, development, secured, mortgage, buy-to-let, commercial, equity release, bad credit, and remortgage products), live chat, and SEO-optimised location- and product-specific landing pages. The firm advertises fast decision-making, typically within 24-48 hours, with bridging funds released within approximately 72 hours, and offers extended hours including weekend operations. Bridging loan pricing starts from 0.55% per month, with loan sizes ranging from £20,000 to over £25 million and terms from 1 to 24 months.

The revenue model is commission-based, with UK Property Finance earning referral fees from lenders upon completion of loan transactions; no fees are charged to the customer. The go-to-market approach blends sales-led advisor engagement, self-serve digital acquisition, content marketing, and a structured B2B introducer programme. The firm is privately held, with no disclosed external investment, parent company, or subsidiary structure, and operates exclusively within the United Kingdom.

Name

UK Property Finance

Legal name

UK Property Finance Ltd

Website

https://ukpropertyfinance.co.uk

Company type

Private

Founded year

2003

Operating status

Operating

Headcount range

1,001–5,000 employees

Short description

UK Property Finance is an FCA-regulated, whole-of-market broker based in Leicestershire that connects UK borrowers with 200+ lenders across bridging, development, mortgage, secured, and commercial property finance, earning lender commissions on completed loans.

Ownership category

akta.pro rank

Product category

Property Finance Brokerage

NAICS

Mortgage and Nonmortgage Loan Brokers (522310), Real Estate Credit (522292)

SIC

Loan Brokers (6163), Mortgage Bankers & Loan Correspondents (6162)

akta.pro primary industry

Commercial Mortgage Brokerage (FSAEAEAB)

akta.pro secondary industries

Hard Money & Private Mortgage Lending Intermediation (FSAEAEAH), Real Estate Capital Markets Advisory (Debt/Equity Placement, Refinancing) (BPAJANAE)

Keywords

• Bridging loan broker
• Development finance
• Residential mortgages
• Secured loans
• Commercial property finance

Headquarters

HQ city

Leicester

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2C

Offering type

Services

Cost components

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

Revenue model

1. Broker Commission: UK Property Finance earns commission from lenders when clients complete on loans. The service is free for customers as the company is compensated by the lenders in the network. The broker acts as an intermediary matching borrowers with appropriate lending products.

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels6 records

Core offering

UK Property Finance is an FCA-regulated, whole-of-market property finance broker that connects borrowers with over 200 UK lenders across bridging loans, development finance, residential and buy-to-let mortgages, secured loans, commercial finance, auction finance, and mezzanine finance. The firm earns commission from lenders rather than charging fees to customers, providing advice, deal sourcing, and processing with fast decisions often within 24-48 hours and funds typically released within 72 hours.

Product overview

UK Property Finance is an FCA-regulated, whole-of-market property finance broker operating as a One-Stop shop for property finance needs. The company connects clients with over 200 trusted lenders across the UK through its core product suite: Bridging Loans (short-term property-secured finance for time-sensitive purchases and auction completions), Development Finance (flexible funding for property development and conversions), Mortgages (residential, buy-to-let, and specialist mortgage products), Secured Loans (property-secured borrowing for equity release), Commercial Finance (commercial property lending), Auction Finance (specialized auction purchase funding), and Mezzanine Finance (intermediate development financing). Supporting these core products are a suite of online calculators (Bridging Loan Calculator, Development Finance Calculator, Secured Loan Calculator, Mortgage Calculator, Commercial Finance Calculator, Equity Release Calculator, Buy to Let Calculator, Bad Credit Calculator, and Remortgage Calculator) that enable instant quote generation. Additional services include Equity Release, Buy to Let, Let to Buy, Right to Buy, Bad Credit Mortgages, and Remortgages. The platform provides FCA-regulated advice with fast decision-making (often within 24-48 hours) and access to exclusive rates through its established lender network.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Loans Short-term property-secured finance providing fast access to funds for property purchases, chain breaks, auction completions, or renovation projects. Designed for time-sensitive situations where speed is essential, with rates from 0.55% per month and terms from 1 to 24 months.
• Development Finance Flexible development loans for new builds, property conversions, and major refurbishments, covering land acquisition through to final drawdowns with tailored funding structures. Aimed at professional developers and investors undertaking ground-up or conversion projects.
• Mortgages Access to mortgage deals across residential, buy-to-let, and specialist mortgages including first-time buyer mortgages, bad credit mortgages, and refinancing options. Provided through whole-of-market lender panel for UK homeowners and prospective buyers.
• Secured Loans Loans secured against property to unlock equity without remortgaging. Available for personal or business needs, with options for bad credit borrowers. Broker-sourced across the lender panel.
• Commercial Finance Commercial property finance solutions for offices, shops, industrial units, and mixed-use property projects, including commercial mortgages and bridging loans. Targeted at businesses and commercial property investors.
• Auction Finance Fast financing for property purchases at auction with pre-agreed facilities, enabling quick completions to meet tight 28-day auction deadlines.
• Mezzanine Finance Intermediate financing layer between senior debt and equity for development projects, sitting between traditional debt and equity financing.
• Equity Release Financial products allowing homeowners aged 55+ to release tax-free cash from their property without selling, including lifetime mortgages and home reversion plans.
• Buy to Let Mortgage products specifically designed for purchasing property to rent out as an investment.
• Let to Buy Financing strategy where a current property is let out while purchasing a new property to live in.
• Right to Buy Government scheme allowing eligible council tenants to purchase their rented property at a discount.
• Bad Credit Mortgages Specialist mortgage options for individuals with poor credit histories, defaults, or past financial difficulties.
• Remortgages Products for switching existing mortgage to a new lender or deal without moving property.

Quantifiable outcome

• Fast decisions within 24-48 hours
• +2 more outcomes

Named customers7 records

Segments5 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature1 record

Scale indicators7 records

Recent moves6 records

Expansion highlights4 records

Direct peers

• Clifton Private Finance: UK specialist mortgage and bridging loan broker offering residential, BTL, commercial, and development finance through a panel of lenders. Highly comparable in product mix, whole-of-market positioning, and target customer segments.
• John Charcol: Long-established UK whole-of-market mortgage and property finance broker with a broad lender panel. Comparable in FCA-regulated broker positioning, multi-product offering, and advisor-led model.
• Henry Dannell: London-based specialist mortgage broker focused on complex cases, high-value residential, BTL, and bridging finance. Comparable in specialisation in non-standard and complex borrowers.
• London & Country Mortgages: One of the largest UK mortgage brokers, operating a whole-of-market model for residential, BTL, and remortgage products. Comparable in scale, lender network breadth, and consumer-facing broker brand.
• Alexander Hall: Established London mortgage broker offering residential, BTL, and bridging finance via a panel of lenders. Comparable in multi-product broker model and focus on adviser-led service.
• TFC Capital Markets: UK broker specialising in development finance, bridging, and commercial property funding for developers and investors. Comparable in development and bridging product focus and intermediary distribution model.
• Fluent Money: UK specialist bridging loan and short-term property finance broker. Highly comparable in bridging-finance specialisation, broker intermediary model, and target developer/investor segments.

Emerging players

• Better.co.uk: Digital-first UK mortgage broker using technology to simplify residential and BTL mortgage applications. Comparable in mortgage intermediary role but competes with a more technology-led, less advisor-intensive model.
• Habito: UK online mortgage broker and lender offering direct-to-consumer and brokered mortgage products. Comparable in mortgage intermediation but competes via a digital-only model and partial vertical integration.

Broad incumbents

• Knight Frank Finance: Finance arm of the major UK estate agency Knight Frank, arranging mortgages, bridging, and development finance for prime and high-value property clients. Comparable in property-finance brokerage but operates as part of a much larger real estate services brand.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks5 records

Key highlights7 records

Customer concentration

• Xx.com/ukpropfinance
• LinkedInlinkedin.com/company/uk-property-finance-ltd

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds

Investors

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

M&A

Investments

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

Frequently asked questions about UK Property Finance