Boutique Capital

What Boutique Capital does

Boutique Capital is a London-based real estate debt advisory firm that structures funding solutions for property developers, real estate investors, and housing associations across the UK. Acting as an intermediary registered in England & Wales, the firm connects borrowers with a curated panel of lenders spanning high street banks, challenger banks, private banks, alternative lenders, private equity, and pension funds, earning transaction fees on arranged deals. Its product portfolio covers the full real estate capital stack: bridging and refurbishment finance, property development finance, development exit finance, mezzanine finance, commercial and residential investment mortgages, VAT finance, joint venture equity, and an ESG Finance line tied to retrofit and Net Zero development strategies.

The firm is led by CEO Jason Hoad (20+ years in property and finance) and COO Michael White (40+ years in banking, founding director of Kensington Mortgage Company, which completed a notable IPO in 2001, and co-founding director of London Mortgage Company, sold to Lehman Brothers in 2006). Underlying technology is not disclosed; the firm's value proposition rests on the leadership team's structuring expertise, lender relationships, and a recent partnership with a global ESG technology platform for transparent ESG data reporting. Distribution is direct advisory with a UK-only footprint, supported by a corporate website, email enquiry channel, and limited social media presence (Facebook, Twitter).

The operating model is sales-led and transactional, with deal sizes ranging from £50,000 (VAT finance) to over £10,000,000 (mezzanine and joint venture equity), and no disclosed revenue, funding, or ownership structure beyond founder control.

Name

Boutique Capital

Legal name

Boutique Capital Limited

Website

https://boutiquecapital.com

Company type

Private

Founded year

2018

Operating status

Operating

Headcount range

1–10 employees

Short description

Boutique Capital is a London-based real estate debt advisory firm that structures funding solutions for UK property developers, investors, and housing associations by brokering deals across bridging, development, mezzanine, commercial, VAT, JV equity, and ESG finance.

Ownership category

akta.pro rank

Product category

Real Estate Debt Advisory

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

Corporate Finance & Capital Advisory (BPAHADAB), Debt Capital Raising Intermediation (Private Debt/Mezzanine/Bonds) (FSAEALAM)

Keywords

• Real estate debt advisory
• Property development finance
• Bridging finance brokerage
• Commercial mortgage advisory
• Mezzanine debt solutions

Headquarters

HQ city

London

HQ country

United Kingdom

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

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

Revenue model

1. Debt Advisory Fees: Boutique Capital acts as an intermediary in real estate debt financing, earning fees or commissions for arranging and structuring funding solutions across bridging finance, development finance, mezzanine finance, and commercial mortgages. The company facilitates transactions between borrowers and lenders across the UK market.

Pricing tiers

Go-to-market motion1 record

Distribution channels1 record

Marketing channels3 records

Core offering

Boutique Capital is a London-based real estate debt advisory firm that structures funding solutions for property developers, real estate investors, and housing associations across the UK. The firm arranges and brokers finance products — including bridging, development, mezzanine, commercial, VAT, joint venture equity, and ESG finance — by connecting borrowers with a curated panel of high street banks, challenger banks, private banks, alternative lenders, private equity firms, and pension funds.

Product overview

Boutique Capital is a London-based real estate debt advisory firm offering a portfolio of specialized financing products. The core offering consists of bridging finance, development finance, mezzanine finance, commercial finance, VAT finance, and joint venture equity structures. These products are designed to support property developers and investors across various stages of property acquisition, development, refurbishment, and investment. The product suite operates as interconnected financing solutions, with products like bridging and mezzanine finance providing short-term capital while development and commercial finance address longer-term project needs. ESG Finance was added as a distinct product line to address sustainable development funding requirements.

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Finance Short-term loan for property acquisitions or renovations, offering LTV up to 75% of valuation, borrowing from £250,000 with terms of 1–18 months, available as 1st and 2nd Charges across all UK areas. Aimed at UK property developers, investors, and owners needing fast, short-term funding.
• Development Finance Financing for property development projects covering up to 100% of build costs and 70% Loan to Gross Development Value (GDV), with borrowing from £1,000,000 and typical terms of 12–24 months across all UK areas.
• Mezzanine Finance Subordinated debt facility offering up to 90% LTV with borrowing ranging from £250,000 to £10,000,000, terms of 6–18 months, available across all UK areas with deed-of-priority arrangements in place with senior lenders.
• Commercial Finance Financing for commercial buildings including owner-occupied offices, tenanted commercial premises, and mixed-use buildings with residential and commercial elements. LTV up to 75%, borrowing from £100,000, with adverse credit options available across all UK areas.
• VAT Finance Managed funding and recovery solution for VAT on commercial property purchases, providing advances up to 100% of VAT due with fast completions. Loan amounts range from £50,000 to over £5 million.
• Joint Venture Equity Equity partnership structure where the equity partner contributes up to £10,000,000 and expects between 40%–70% of the development profit depending on circumstances and risk; deals are bespoke to allow both parties their desired return. Previous development experience is required.
• Refurbishment Finance Short-term financing for property refurbishment projects, packaged alongside the bridging finance product for property improvement use cases.
• Development Exit Finance Exit financing solution for development projects, enabling developers to repay primary development finance upon project completion or sale.
• ESG Finance Specialized financing for sustainable development projects, including retrofit and new build developments aligned with ESG strategies and pathways to Net Zero. The firm pairs this with measurable, transparent ESG data reporting through a partnered global technology platform. Targeted at housing associations, ESG-focused developers, and built-environment stakeholders.
• Residential Investment Mortgages Mortgage financing for residential investment properties, delivered as part of the firm's commercial and residential investment mortgage suite for UK real estate investors.

Segments4 records

Ideal customer profiles2 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

One partnership is on record.

• Global ESG Technology PlatformcoreTechnology or IntegrationBoutique Capital has partnered with a global cutting edge technology platform to report measurable, transparent ESG data. This partnership enables the firm to provide clients with transparent, measurable data for ESG reporting, creating a positive impact on business and stakeholders while helping to grow a sustainable environment.

Scale indicators1 record

Recent moves5 records

Expansion highlights4 records

Direct peers

• VIBE Financial Services: UK specialist finance broker providing bridging, development exit, and commercial finance to property professionals. Overlapping product set and intermediary model make it a direct competitor to Boutique Capital.
• Montello Bridging Finance: UK bridging and development finance broker working with private clients, developers, and investors. Competes head-to-head with Boutique Capital in short-term property lending intermediation across the UK market.
• MSB Money: UK specialist finance broker arranging bridging, development, and refurbishment loans. Comparable to Boutique Capital in deal sourcing, lender panel access, and developer/investor client focus.
• Henry Dannell: London-based specialist property finance broker arranging bridging, development, and buy-to-let mortgages for UK clients. Directly comparable to Boutique Capital in product mix, target segments (developers and investors), and intermediary model.
• Christensen Group: UK property finance brokerage arranging bridging, development, and commercial finance. Similar intermediary business model, lender panel approach, and target segments (developers, investors, property owners).
• Foundry Mortgage Group: Specialist UK mortgage and property finance broker offering bridging, development, and commercial finance. Comparable in intermediary model, product breadth, and target developer/investor client base.
• Cornerstone Finance Group: UK property finance broker focused on bridging, development, and commercial mortgages for property professionals. Directly comparable intermediary with similar product range and client segments to Boutique Capital.

Broad incumbents

• SPF Private Clients: Larger UK whole-of-market mortgage broker offering residential, buy-to-let, and commercial finance. Broader incumbent with wider marketing reach and lender panel than Boutique Capital, overlapping in commercial and investment mortgage products.
• John Charcol: Established UK mortgage broker with broad product range including specialist and commercial finance. A larger incumbent that competes for the same investor and developer clients with greater scale and brand recognition.

Emerging players

• Oblix Capital: UK specialist development and bridging finance lender (rather than pure broker) that competes for the same developer clients Boutique Capital serves. Comparable on product (development and bridging) and target customer (UK property developers), but operates as principal lender not intermediary.

Market position

Weaknesses2 records

Competitive moat3 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/boutiquecapital
• Facebookfacebook.com/specialisedlending
• LinkedInlinkedin.com/company/boutique-capital

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

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 Boutique Capital