Specialist property finance
Bridging, development, structured and term finance for property investors and developers.
What we arrange
Finance for every stage of a property project
We source unregulated property finance solutions, from buying the site to holding the finished asset, such as:
Bridging finance
Short-term loans, typically 3 to 24 months, repaid by a sale or refinance.
- Commercial bridging, open and closed
- Auction finance
- Light and heavy refurbishment
- Land bridging, with or without planning
- Planning-gain bridging
- Second-charge bridging
- Cash-out and capital raising
- Rebridging and bridge refinance
- Cross-collateral and portfolio bridging
Development finance
Staged funding for new builds and conversions, released as work progresses.
- Ground-up development
- Conversion development
- Development exit finance
Structured finance
Higher-leverage funding for larger or more complex schemes.
- Stretched senior development
- Mezzanine finance
Term finance
Longer-term mortgages for investment and commercial property held in a company.
- Limited company buy-to-let
- Portfolio buy-to-let
- HMO mortgages
- Multi-unit freehold blocks
- Holiday let mortgages
- Semi-commercial and mixed-use
- Commercial investment mortgages
- Commercial mortgages for trading businesses
We arrange finance for limited companies, SPVs, partnerships and individuals borrowing for business or investment purposes, secured on commercial or investment property. We don't arrange loans secured on a property that the borrower, a director, or their family lives in or will live in. Availability and terms depend on each lender's criteria.
Who we help
Built for property investors and developers
Whether you’re buying, building or holding, we find the lender that fits the deal.
Investors buying at auction against tight completion deadlines
Developers funding a new build, conversion or refurbishment
Developers near completion who need time to sell or let
Landlords growing and refinancing a portfolio
The process
How it works
01
Get in touch
Tell us the loan amount, purpose and timeline, using the form below, by email or Instagram DM.
02
We match you
We take your enquiry directly to lenders suited to your deal and negotiate terms on your behalf.
03
Underwriting
We stay your point of contact, keeping things moving with the lender, valuer and solicitors.
04
Completion
Funds released once terms are agreed. Development facilities draw down in stages as the build progresses.
Specialist property finance, matched to your deal.
Questions
Frequently asked questions
What types of finance do you arrange?
Bridging, development, structured finance such as stretched senior and mezzanine, and term mortgages including limited company buy-to-let and commercial mortgages.
How fast can a loan complete?
Bridging loans can complete in days once terms are agreed. Development finance and term mortgages take longer, because lenders appraise the scheme, valuation and borrower in more depth before committing.
Do you lend the money yourselves?
No, we're a broker. We introduce you to a lender suited to your deal and earn a commission on completion. We don't lend directly and we never hold client funds.
Who do you work with?
Limited companies, SPVs, partnerships and individual investors borrowing for business or investment purposes, on commercial and investment property. Loans to individuals need to be over £25,000 and wholly or mainly for business purposes, and the property can’t be one the borrower or their family lives in.
Can you help if I'm borrowing personally, or against my own home?
No. We can't help with residential mortgages, personal borrowing, or any loan secured on a property that you or a family member lives in, or will live in.
What do you need from me to start?
Just the basics to begin with: the loan amount, purpose and timeline, who is borrowing (a company, partnership or individual), and the property involved. For development, a summary of the scheme and build costs helps. We'll ask for fuller details once we're sourcing terms for you.
Is there a cost to enquire?
No. Getting in touch and finding out what's available costs nothing. We're paid by the lender on completion, not by you for enquiring.
Get in touch
Tell us about your deal below, DM us on Instagram, or email us directly. We'll come back to you quickly.
ESTUARY PROPERTY FINANCE
Estuary Property Finance is a trading name of Estuary Bridging Solutions Ltd · Company No. 17469159 · Registered in England & Wales
Registered office: 48 Mornington Avenue, Rochford, England, SS4 1DN
Registered with the Information Commissioner's Office (ICO) as a data controller, registration reference ZC256022.
Estuary Bridging Solutions Ltd is not authorised or regulated by the Financial Conduct Authority. We arrange finance only for borrowers acting for business or investment purposes (limited companies, SPVs, partnerships and individuals), secured on commercial or investment property that no borrower or their family lives in. This site and our services are not aimed at consumers. We do not lend money ourselves and we never hold client funds.
© 2026 Estuary Bridging Solutions Ltd