Bridging & Development Finance — 20 Years Experience. Smarter Tools. Better Outcomes.
I'm Tim. I've been arranging bridging loans and development finance for over 20 years — including time as a first-line underwriter. That means I know what lenders need to see before they'll say yes, and I don't waste your time on applications that won't work.
Based in North Wales, covering the whole of England and Wales. Over 100 lenders on my panel. One direct phone number. No call centre.
How Do You Want to Work?
Let Me Handle It
Tell me about your deal. I'll search across 100+ lenders, find you the best options, and push the application through to completion. You get my 20 years of underwriting and broking experience working for you.
I handle everything — from lender selection and DIP through to valuation, legal, and drawdowns. One point of contact throughout.
Get a quote →Search the Market Yourself
Use the calculators I built to search lenders, compare rates, and see total costs. Go direct to the lenders you want and save on broker fees.
These are the same tools I use to source deals. Free to use, no sign-up required.
Try the calculators ↓What I Arrange
Bridging Loans
Short-term property finance for purchases, auction completions, chain breaks, capital raising, and refurbishment. Funds typically available within 2–4 weeks.
Bridging finance →Development Finance
Staged funding for ground-up builds, conversions, and heavy refurbishments. From £25k single-unit projects to multi-million pound schemes. JV funding up to £10m.
Development finance →Development Exit
Replace your development loan with lower-rate bridging once the project is wind and watertight. Buys you time to sell at the right price or refinance without pressure.
Development exit →Refurbishment Finance
Light refurb (cosmetic) or heavy refurb (structural) with staged drawdowns. The right product depends on the scope of work — I'll match you to the correct one.
Compare refurb lenders →Auction Finance
Complete within the 28-day auction deadline. Get a Decision in Principle before auction day so you can bid with confidence.
Auction finance →Rebridging
Existing bridging loan approaching its term end? Act early. A rebridge avoids default interest and gives you more time to complete your exit.
Rebridging →Why Build Capital?
Underwriter Turned Broker
I spent years on the other side of the desk deciding whether to approve deals. That means I know exactly what lenders need — and I submit complete applications from day one. Faster decisions, fewer surprises.
Lenders on My Panel
I search the whole market through a sourcing platform I built myself — not just a handful of preferred lenders. You get options matched to your deal, not to my commission.
Experience in the Industry
Two decades of bridging and development finance, across every deal type and market condition. I've seen what works, what doesn't, and which lenders actually do what they say they will.
Based in North Wales
Local knowledge of the property market, planning authorities, Welsh property law, and the specific challenges of financing property in this region. Not a London broker guessing at rural valuations.
Free Tools — No Sign-Up Required
Search the Market Yourself
The same sourcing tools I use to find deals for clients. Compare lenders, see real total costs, and apply direct — saving on broker fees.
Or go straight to the full calculator hub →
North Wales Specialist
While I cover all of England and Wales, North Wales is where I have the deepest local knowledge. I understand the property market, the planning authorities, Welsh property law, and the specific lender challenges in each area.
Bangor & Gwynedd
Smaller lot sizes, Snowdonia planning, agricultural ties, student lets.
Bangor & Gwynedd →Real Deals
Land Acquisition — 86 Lenders Searched
Client found a fantastic opportunity to acquire land with a deferred purchase price. Complex terms made it hard to place. We approached 86 lenders and found the right one.
Persistence beats panel size.
Family Developer — Credit Issues
Experienced family developer with an adverse credit history. Most brokers would have stopped at the first decline. We found a specialist lender who focused on the project quality and the developer's track record, not just the credit file.
The right lender looks at the whole picture.
Development Exit Rescue
Client's development exit loan was approaching term end. Because we'd arranged the original deal, we were prepared with new options before they called. Placed with a family office who completed in two weeks.
Completed in 2 weeks. Saved thousands in default interest.
Let's Talk About Your Deal
Whether it's a quick bridging loan or a complex development scheme, I'll tell you straight whether it's doable and what it'll cost. No hard sell, no obligation.