177 structured finance

What 177 structured finance does

177 Structured Finance is a UK specialist property finance broker operating as a trading style of One 77 Mortgages Ltd., a private limited company registered in England (company number 7411452). The parent legal entity was founded in 2010 by Alastair McKee; 177 Structured Finance itself was formalized as a distinct trading style in 2024 to consolidate the group's specialist lending proposition. The company arranges bespoke bridging finance, development finance, commercial mortgages, portfolio finance, second charge loans, and inheritance tax / probate loans for property developers, investors, business owners, and individuals across England and the wider UK. It does not lend directly, acting instead as a credit broker earning fees on lender-originated facilities, with commission amounts and structures disclosed to clients before engagement.

The product portfolio is positioned around funding needs that mainstream lenders typically decline. Bridging finance covers short-term secured loans from £25,000 to £50,000,000 with first, second, and third charge options across 1–24 month terms. Development finance supports ground-up builds, refurbishments, and HMO conversions via senior debt, stretched senior, mezzanine, equity, and JV structures, with funds released in tranches over 9–24 month terms. Commercial finance, portfolio finance, second charge loans, and probate finance extend the surface across business premises, multi-property landlords, refused-borrower residential cases, and estate administration. The company holds FCA authorization (753474), full NACFB membership, and GDPR-compliant operations; it is not a technology platform — no app, API, SDK, or proprietary system is disclosed, and service delivery runs through dedicated phone lines per product and web enquiry forms, supported by a Refer-a-Friend programme and an ecosystem of consumer-brand partnerships (Pickfords, AO, Tesla Rides, SortRefer, Soteria Planning, Tapi Carpets).

The business model is sales-led and primarily relationship-driven. Specialist advisers handle direct client engagement, with cross-referrals from sister brands 177 Mortgages (residential mortgage and protection advice) and 177 Protect (financial protection) inside One 77 Mortgages Ltd., plus professional introducer relationships. Revenue is transaction-based via lender commission — the service is positioned as fee-free for clients — and pricing is fully quote-based with no public rate cards. The management team comprises Founder & CEO Alastair McKee, Managing Director Kevin Brown (promoted April 2023 from Compliance and Operations Director), Director of People Deirdre Lee (promoted 2022), Adviser Manager Thomas Whiting, and Marketing & New Business Manager Kelly Sjöberg (joined 2024). In 2025 the company was a finalist or shortlisted at four UK industry awards (Business Moneyfacts, NACFB Commercial Broker, Financial Reporter, Mortgage Strategy), supporting an ongoing scaling phase.

Name

177 structured finance

Legal name

One 77 Mortgages Ltd.

Website

https://177structuredfinance.com

Company type

Private

Founded year

2010

Operating status

Operating

Short description

177 Structured Finance is a UK specialist property finance broker (trading style of One 77 Mortgages Ltd.) arranging bespoke bridging, development, commercial, portfolio, second charge, and probate loans for property developers, investors, and business owners via commission from its lender panel.

Ownership category

akta.pro rank

Product category

Specialist 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

Debt & Structured Finance / Mortgage Brokerage (BPAJABAK)

akta.pro secondary industries

Specialty Finance / Structured Credit (FSANADAE), Real Assets — Real Estate Debt (Whole Loans, Mezzanine, CMBS/CLO) (FSAHAIAB)

Keywords

• Bridging finance broker
• Development finance brokerage
• Commercial mortgage broker
• Second charge loans
• Portfolio landlord finance

Headquarters

HQ city

Chippenham

HQ country

United Kingdom

HQ region

Europe

Offices2 records

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel, Operations, Marketing or Sales, Others, Infrastructure

Revenue model

1. Broker Commission: 177 Structured Finance acts as a credit broker and not a lender. They earn commission from lenders, with commission amounts varying by lender, product, and other permissible factors. The nature of the commission model is disclosed before the client proceeds.

Pricing tiers

Go-to-market motion1 record

Distribution channels4 records

Marketing channels7 records

Core offering

177 Structured Finance is a specialist property finance brokerage arranging bespoke funding solutions for property developers, investors, business owners, and homeowners who fall outside mainstream lender criteria. Operating as a credit broker (not a lender), the firm arranges bridging finance, development finance, commercial finance, portfolio finance, second charge loans, and inheritance tax / probate loan finance via challenger banks, private family offices, and individual funders, with loan sizes ranging from £20,000 to £50,000,000 across terms from 1 month to 30 years.

Product overview

177 Structured Finance is a specialist property finance broker operating as part of the 177 Group (trading style of One 77 Mortgages Ltd). The company offers a suite of complementary property finance products: Bridging Finance (short-term secured loans 1-24 months), Development Finance (developer loans for ground-up builds and refurbishments), Commercial Finance (commercial mortgages for business premises), Portfolio Finance (multi-property landlord lending), Second Charge Loans (secondary secured property loans), Inheritance Tax & Probate Loan Finance, and Auction Finance. The products serve property developers, investors, business owners, and individuals seeking bespoke funding solutions ranging from £20,000 to £50,000,000, with terms from 1 month to 30 years. The company also offers related services through sister brands 177 Mortgages (residential mortgages and protection) and 177 Protect (financial protection).

Differentiator

Problem solved

Functional benefit

Products and services

• Bridging Finance Short-term secured loans (typically 1-24 months) arranged for property developers, investors, and homeowners needing fast funding for property acquisitions, chain breaks, auction purchases, and renovation projects. Loan sizes range from £25,000 to £50,000,000 with LTV typically between 60-80%, available as first, second, or third charge with serviced, rolled-up, or part-serviced interest options.
• Development Finance
• Commercial Finance
• Portfolio Finance
• Second Charge Loans
• Inheritance Tax & Probate Loan Finance
• Auction Finance

Quantifiable outcome

• Funding can be arranged within 48 hours with correct paperwork
• +2 more outcomes

Named customers18 records

Segments5 records

Ideal customer profiles4 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Ten partnerships are on record, tiered minor and core.

• PickfordsminorGTM or Marketing Partner · 1 January 2025Pickfords is the UK's largest removal company. Through this partnership, 177 Structured Finance customers receive 10% discount on Pickfords services (average savings of £150), free Late Key Waiver (£42 saving), one week free storage, and one month free storage for contracts over 6 months.
• AOminorGTM or Marketing Partner · 1 January 2025AO is one of the UK's largest electrical retailers. Through this partnership, 177 Structured Finance customers receive discounted appliances, TVs, smart tech, and flexible payment options for business customers.
• The Forge & PheasantminorGTM or Marketing Partner · 1 January 2025The Forge & Pheasant is a café and restaurant located within the grounds of Hartham Park. Partnership provides a local hospitality option for 177 Structured Finance clients and visitors to the Hartham Park estate office.
• Hartham Park EstateminorOthers · 1 January 2025Hartham Park Estate is a Georgian mansion on 50 acres offering serviced offices and venue hire. 177 Structured Finance operates from this estate, providing a physical office location. The partnership offers exclusive venue options for client events and gatherings.
• The Grand AppealminorOthers · 1 January 2025The Grand Appeal is the official Bristol Children's Hospital charity. Named as 177 Structured Finance's charity of the year, the company makes £25 donations to the charity for each successful Refer a Friend referral. The company has donated over £20,000 to various charities over the years.
• Tesla RidesminorGTM or Marketing Partner · 1 January 2025Tesla Rides is a private hire taxi service using Tesla vehicles. 177 Structured Finance customers receive 10% discount off their first booking when mentioning the company.
• Soteria PlanningminorGTM or Marketing Partner · 1 January 2025Soteria Planning provides wills, trusts, lasting powers of attorney, and probate advice. Through this partnership, 177 Structured Finance customers receive discounts on estate planning services, complementing the company's own inheritance tax and probate loan offerings.
• SortReferminorGTM or Marketing Partner · 1 January 2025SortRefer provides access to a national panel of property conveyancers and surveyors. Services include purchase, sale, remortgage, transfer of equity, independent legal advice, lease extensions, surveys, and EPCs. Competitive pricing for 177 Structured Finance customers.
• Tapi CarpetsminorGTM or Marketing Partner · 1 January 2025Tapi Carpets offers a full-service flooring experience with home visits for sampling, measuring, and installation. 177 Structured Finance customers enjoy a 10% discount on Tapi purchases.
• NACFB (National Association of Commercial Finance Brokers)coreStrategic or Co-development Partner177 Structured Finance is a full member of the NACFB. Membership provides industry recognition, ensures adherence to professional standards, and builds confidence with both customers and lenders that they are dealing with a professional expert who knows the market and operates to the highest standards.

Scale indicators1 record

Recent moves7 records

Expansion highlights6 records

Direct peers

• SPF Private Finance: UK specialist finance broker offering bridging, development, commercial, and buy-to-let finance across a wide lender panel. Directly comparable to 177 Structured Finance in product breadth, customer base (developers and investors), and sales-led broker model.
• Crystal Specialist Finance: Specialist finance broker focused on complex property and development finance for commercial and residential borrowers. Directly comparable business model — credit broker, not lender — with similar product mix across bridging, development, and second charge loans.
• Positive Lending: UK specialist finance broker offering bridging, development, commercial, and buy-to-let mortgages with a multi-lender panel. Closely matches 177 Structured Finance on target segments, commission model, and sales-led adviser approach.
• Vantage Finance: Specialist commercial and development finance broker serving developers and investors across the UK. Comparable product focus (bridging, development, commercial), customer segments, and broker/intermediary positioning.
• Pure Commercial Finance: UK commercial finance broker arranging commercial mortgages, bridging, and development finance for businesses and investors. Comparable in terms of specialist finance focus, panel access, and target customer base.
• LDNfinance: London-based specialist finance broker arranging bridging, development, and high-value mortgages. Comparable product set and developer/investor customer focus; differs primarily through London-centric geographic emphasis.
• The Property Finance Company: Specialist property finance broker offering bridging, development, and commercial mortgages through a panel of lenders. Directly comparable business model and customer segments to 177 Structured Finance.

Broad incumbents

• Octopus Property: Larger UK specialist property finance provider (part of Octopus Group) offering bridging, development, and term lending directly and through brokers. Overlaps with 177 Structured Finance's market but operates more as an established, scaled lender/funder rather than pure broker.
• Connect for Intermediaries: Large UK mortgage and specialist finance club/network providing broker firms with lender panel access. Adjacent rather than directly competitive — could be a partner or distribution channel for 177 Structured Finance advisers.

Emerging players

• Finanta: Smaller, growth-stage UK specialist finance broker focused on bridging and development finance. Comparable product offering but typically lower deal volume and narrower lender panel than 177 Structured Finance.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xtwitter.com/177Mortgages
• Facebookfacebook.com/177Mortgages
• LinkedInlinkedin.com/company/177-structured-finance
• Instagraminstagram.com/177mortgages

Compliance3 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles5 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 177 structured finance