Bridging Finance Luton

A town built on aviation, cars and a fast track to London

Luton sits at the southern edge of Bedfordshire on the chalk slope of the Chiltern Hills, the largest single town in the county and one of the most concentrated airport, aviation and commuter economies in the East of England. London Luton Airport handles around 18 million passengers a year and headquarters easyJet, the largest UK-headquartered airline by passenger volume. The Vauxhall site at Kimpton Road, now run by Stellantis, still anchors a substantial engineering and supply-chain workforce, even after the closure of the main car production line. Luton Town Football Club, the Hatters, returned to the Premier League in 2023 after a long absence, and the proposed Power Court stadium development sits at the heart of the town-centre regeneration pipeline. Property investors and developers working across the LU postcode area and the wider Bedfordshire market tend to think in terms of speed: airport flights, Thameslink timetables, motorway access to the M1 and the M25, and auction lots that have to clear inside the 28-day clock. Bridging finance is the instrument that matches that pace.

This page is a working briefing rather than a brochure. It is written for the people who already know roughly what a bridge is and who want to know how the Luton market is behaving in 2026, which lenders are pricing each segment, and what a deal actually looks like when it crosses our desk. We cover the Bedfordshire context first, then move to the Luton bridging market shape for 2026, the six archetype borrowers we see most often, four sector deep-dives covering the airport workforce stock, the University of Bedfordshire student HMO market, the Power Court regeneration footprint and the Vauxhall commuter belt, the lender panel we work with, five worked deal flavours we see month after month, and a forward look into 2027. Read it end to end if you have ten minutes, or skip to the section that maps to the case in front of you. Either way, when you want to talk a deal through, the contact details sit at the foot of every page on this site.

Bridging Finance Bedfordshire

Bedfordshire is a small county with an outsized industrial and aviation footprint. The county runs from the southern Chiltern Hills edge at Luton and Dunstable through the agricultural belt around Biggleswade and Sandy to the county town of Bedford on the River Great Ouse. Three principal towns dominate the county's residential and commercial property activity: Luton at around 218,000 residents, Bedford at around 106,000 and Dunstable at around 35,000, with Leighton Buzzard, Houghton Regis, Biggleswade and Kempston filling out the next tier. The county sits across the M1 and A1(M) motorway corridors, with the Midland Main Line and East Coast Main Line both running through, supporting one of the strongest commuter draws to London outside Hertfordshire and Surrey.

The bridging market across Bedfordshire reflects this economic geography. The Luton airport and commuter corridor dominates short-term lending volume, with the bulk of the county's auction, refurbishment-to-buy-to-let and development-exit activity sitting across the LU postcode area. Bedford and the MK postcode strip add a smaller but consistent flow centred on the town-centre conversion stock, the inter-war family-home belt and the agricultural-to-residential conversion pipeline at the county's northern fringe. Dunstable, Houghton Regis and Leighton Buzzard contribute a steady stream of inter-war terraced and post-war semi-detached BTL refurbishment cases.

We arrange specialist bridging finance across every Bedfordshire postcode, from LU1 in the Luton town centre out to LU7 at Leighton Buzzard, the MK postcodes at Kempston and the southern Bedford fringe, and the SG postcodes at Biggleswade, Sandy and Henlow on the eastern boundary. Loan sizes range from £150,000 at the smaller end of the LU3 and LU4 family-home market up to £25 million on larger mixed-use sites in the LU1 town centre and the Capability Green commercial cluster. The bulk of the Bedfordshire book sits in the £200,000 to £2 million range, which is where most of the auction, refurbishment and chain-break work lands.

Luton Bridging Market 2026

Bridging activity in Luton has held up firmly through 2025 and into 2026, with steady volume across the auction, refurbishment-to-BTL and development-exit segments and a meaningful uptick in commercial bridging tied to the airport corridor. Three forces explain the resilience. Auction supply across the LU postcode area remains stronger than the wider East of England average, particularly on the LU1 and LU4 terraced stock where probate, motivated-vendor and tired-landlord exits keep regional and London auction rooms supplied through every quarter. Refurbishment-to-BTL economics still work on the LU1, LU2 and LU4 stock once you assume realistic rent yields supported by the airport, university and Vauxhall workforce demand. And the town-centre conversion and development-exit pipeline that ran hot through the permitted-development push of 2018 to 2024 is now reaching practical completion in volume, generating a wave of development-exit refinance deals into bridging as schemes move from build phase to sales and letting phase.

On rates, the picture in May 2026 is steadier than it was eighteen months ago. The ranges we are pricing across the panel are as follows. Regulated bridging on owner-occupied homes is sitting between 0.55% and 0.85% per month, with the lower end reserved for clean chain-break cases at 65% loan-to-value or below and a clear onward-sale exit. Unregulated standard bridging on investment, buy-to-let and commercial property is running between 0.65% and 1.25% per month, with the bulk of our Luton book pricing inside 0.75% to 0.95%. Heavy refurbishment and development-exit cases sit at 0.75% to 1.5% per month, with pricing driven by build complexity, the strength of the contractor, and the planned exit. Second-charge bridging behind an existing first sits at the upper end of those bands.

Loan sizes across the town run from £150,000 at the smaller terrace end of LU1 and LU4 up to £8 million on larger mixed-use sites around the Power Court footprint, Century Park and Capability Green. The middle of the book, where most of our Luton work sits, is £250,000 to £1.5 million. Terms are short by design. Six to twelve months covers most cases. Eighteen months is available where the works schedule needs it. Twenty-four months is unusual on a standard bridge and is more often a signal that the deal wants to be development finance or term commercial debt rather than a bridge.

HM Land Registry data for the four Luton postcode areas shows just over 2,687 transactions in the town over the past eighteen months, with a median sale price sitting at £310,000. Across the four LU postcode districts the spread is tight. LU3 around Sundon Park, Limbury and Bramingham has the highest median at roughly £315,000, helped by larger semi-detached stock and the modern Bramingham estate. LU4 around Leagrave and the Bury Park western fringe settles around £310,000. LU2 covering the eastern commuter belt at Stopsley, Round Green, Wigmore and the airport area sits at £310,000. The lowest is LU1 at £281,000, where the central conversion-flat stock and the smaller terraced format pull the median down. The type split tells a story of its own: roughly 40% semi-detached, 28% terraced, 15% flats, 12% detached and 5% other, with the semi-detached dominance reflecting the inter-war and post-war Vauxhall-era estate expansion that defines most of the borough's residential footprint.

Lender appetite has shifted in two specific directions over the past twelve months. First, bridgers writing development-exit business have sharpened. They want clean stock with valid warranties, a clear sales plan, and ideally some pre-completion interest from buyers or tenants. Where those boxes tick, pricing has tightened by perhaps 0.1% to 0.15% per month against 2024 levels. Second, refurbishment-to-BTL appetite has improved, helped by gradually settling buy-to-let term-rate expectations. Lenders are more willing to look at a BRR exit at 75% loan-to-value if the stress on the proposed buy-to-let refinance looks deliverable on a five-year fixed at current pricing. Auction stock continues to clear with steady appetite, particularly in LU1 and LU4 where two and three-bed terraces under £260,000 still represent the bulk of lots coming through regional rooms.

When Luton Investors Use Bridging

Bridging in Luton distributes itself across the eight use cases the master network covers, but the weights and the borrower archetypes are distinctively local. We see six recurring archetypes month after month, and most cases on the desk map to one of these patterns within the first ten minutes of the triage call.

The first archetype is the auction-buying landlord. A Bedfordshire-based investor who runs a portfolio of ten to fifty BTL properties across the LU postcode area, sometimes spilling into Hertfordshire at Hitchin or Harpenden, and who turns over two to six auction acquisitions a year. Most of these cases anchor on LU1 and LU4 terraced stock priced between £170,000 and £280,000. The 28-day clock from hammer fall to completion is the constraint that defines every conversation. We routinely arrange a valuation booking inside 72 hours of taking the auction pack, push for title insurance where the seller's pack is incomplete, and complete inside 14 days on anything that does not have a quirk in the title or vacant-possession status.

The second archetype is the HMO conversion landlord, building a portfolio of licensed five and six-bed shared houses across High Town, Bury Park, Leagrave and parts of Limbury. The university, hospital and airport workforces support a deep and stable tenant pool. Works budgets typically run £40,000 to £85,000 on purchase prices between £220,000 and £370,000, with the bridge structured as a day-one drawdown to fund purchase and an initial works tranche, then staged drawdowns against monitoring inspections as the conversion progresses. Article 4 considerations are increasingly relevant in parts of central Luton, and we confirm the planning route at offer stage on every HMO case.

The third archetype is the owner-occupier in chain-break, moving up the borough's family-home ladder. The typical pattern is a Stopsley, Wigmore, Bramingham or Farley Hill family that has accepted an offer on their existing home, has agreed on the onward purchase, and needs to complete the onward move before their sale completes. Six-month terms are common, nine-month terms appear where the onward sale is in a slower chain, and rates sit at the tighter end of the regulated band. These cases are regulated and pass to our regulated partner firms for the regulated activity.

The fourth archetype is the development-exit borrower. A small to mid-sized Bedfordshire developer running schemes of three to twenty-five units across the town-centre conversion footprint, the Power Court regeneration corridor and the occasional Bramingham or Wigmore infill site, who needs to step out of a development facility once units reach practical completion and into a 12 to 18-month bridge while sales or lettings complete. Loan sizes £800,000 to £4.5 million, rates 0.85% to 1.05% per month.

The fifth archetype is the airport-corridor short-let investor. A specialist landlord building a portfolio of serviced apartments and short-let flats serving the easyJet, TUI Airways and ground-handling crew accommodation pool, plus the airport visitor and airline-passenger short-stay market. Most of these cases sit in the LU2 8 and LU2 9 postcode area immediately adjacent to the terminal, with loan sizes £200,000 to £800,000. Underwriting focuses on long-let comparable rent rather than projected short-let income.

The sixth archetype is the capital-raising landlord. A long-standing Bedfordshire property owner with substantial equity in an unencumbered residential or commercial asset, who needs to release cash quickly for the next deposit, a refurbishment programme, or working-capital expansion in a property-related business. Second-charge bridging behind an existing first mortgage, or first-charge bridging against an unencumbered asset, sit at the upper end of the unregulated band given the typically shorter exit horizon and the often less conventional security profile.

Sector deep-dives

London Luton Airport and the easyJet workforce buy-to-let stock

London Luton Airport is the fifth-busiest airport in the United Kingdom by passenger volume, handling around 18 million passengers a year, and the easyJet headquarters at Hangar 89 on the airport perimeter is the central node of the largest UK-headquartered airline by passenger numbers. TUI Airways operates a substantial base from the same site, and the airport's ground-handling, logistics and supply-chain estate runs across the LU2 8 and LU2 9 postcode area. The Capability Green business park sits immediately south of the runway and carries one of the largest concentrations of corporate office floor space in Bedfordshire, with major occupiers including the M&S corporate services centre, EE, Vauxhall Motors UK head office and a broader cluster of corporate-services tenants. Together these operations support a workforce of around 20,000 jobs concentrated within a two-mile radius of the terminal, with a substantial transient airline-crew and visitor accommodation pool layered on top.

Bridging activity in this segment tends to centre on three patterns. The first is short-let and serviced-apartment investor acquisition. Specialist landlords build portfolios of small and mid-sized residential properties in Wigmore, Stopsley and the Vauxhall Way corridor for crew accommodation and short-stay let to passengers and visitors. Loan sizes typically £200,000 to £800,000 per acquisition, with portfolio refinance cases reaching £2.5 million, rates 0.85% to 0.95% per month, term 6 to 12 months. Underwriting focuses on long-let comparable rent rather than projected short-let income, with LTV typically capped at 65 to 70%.

The second pattern is buy-to-let acquisition for the airport and easyJet headquarters workforce. Standard single-let three-bed semis in Stopsley, Wigmore and the LU2 commuter fringe trade in the £295,000 to £390,000 band, with bridge-to-BTL exits at 75% LTV on cosmetic refurbishment cases. The third pattern is commercial bridging on aviation and logistics property. Subcontractors take bridges to acquire their leased premises or expand into adjacent units, with loan sizes £1 million to £8 million and pricing in the 0.85% to 1.05% per-month band on sound commercial security.

University of Bedfordshire student HMO market across High Town and Bury Park

The University of Bedfordshire has its principal campus in central Luton, with around 16,000 students concentrated across the LU1 and LU2 catchment within walking distance of the Vicarage Street and Castle Street academic buildings. The university's student-let market sits primarily in High Town and the eastern fringe of Bury Park, with a smaller spillover into Round Green and the western LU2 streets towards Hitchin Road. Most student-let stock takes the form of licensed five and six-bed HMOs converted from larger late-Victorian and Edwardian terraced housing, supplemented by purpose-built student accommodation blocks closer to the campus core.

Bridging activity in the student HMO segment is one of our most consistent flows in Luton. The typical case is a portfolio HMO landlord acquiring a four or five-bedroom terraced house with conversion potential at £240,000 to £330,000, funding works of £45,000 to £85,000 covering fire-safety upgrades, fresh kitchens and bathrooms, electrical and gas regulatory compliance, and structural changes required for the licensed shared-house format. Bridge term 12 to 15 months, rate 0.95% to 1.15% per month, loan-to-purchase-plus-works typically 65 to 70%, exit on a specialist HMO buy-to-let term loan or a portfolio HMO refinance once the licensing is in hand and tenants are placed.

Article 4 considerations are central to underwriting on every High Town and Bury Park HMO case. Parts of central Luton sit within Article 4 direction zones that require full planning permission for changes from C3 family dwelling to C4 small HMO, rather than relying on permitted-development rights. We confirm the local-authority Article 4 mapping at offer stage on every case and structure the bridge term to absorb the planning timetable where required, typically taking 12 to 15 months rather than 9 and arranging the loan so the conversion works only begin once consent is in hand or the development is permitted under the relevant route. The HMO licensing regime requires separate application and inspection, which adds a further 8 to 12 weeks to the typical project timetable.

Town Centre and Power Court regeneration development exit

The Luton town centre has been one of the most active permitted-development conversion markets in the East of England over the past seven years. Redundant office and warehouse stock built through the 1960s, 1970s and 1980s has been steadily converted to residential under both permitted development and full planning routes, with scheme sizes ranging from small infill blocks of 6 to 12 units up to larger schemes of 30 to 80 units on the larger central sites. The Power Court regeneration footprint at the eastern edge of LU1 is the most significant single development site in the town, with the long-running mixed-use scheme including the proposed new Luton Town Football Club stadium, commercial floor space, residential blocks and public realm. The Newlands Park scheme on the western edge of the centre adds a further office, retail and hotel cluster.

Bridging activity in the development-exit segment is the second-largest flow in our Luton book by loan value. Schemes that took development finance through 2022, 2023 and 2024 are now reaching practical completion across the town centre, and the most cost-effective move once units start marketing is usually to step out of the development facility and onto a 12 to 18-month bridge while sales complete. Loan sizes typically £1.2 million to £4.5 million, rate 0.85% to 1.05% per month, loan-to-gross- development-value 65 to 70%, exit on staged unit sales or a portfolio buy-to-let refinance on the unsold tail.

The Power Court regeneration footprint and the Century Park development corridor at the airport-station interchange produce a parallel flow of larger commercial and mixed-use bridging cases at £2 million to £8 million. These cases typically combine site purchase, short-term holding finance during the planning process, or development-exit refinance on completed phases. We see particular appetite from the larger specialist lenders on these cases given the size band and the institutional-quality location.

Stopsley and Leagrave inter-war and post-war commuter stock

The fourth sector is the most distinctively Luton of the four. Vauxhall Motors began mass production at the Kimpton Road site in 1905, and the town expanded rapidly through the 1920s and 1930s on the back of the manufacturing workforce. A second wave of expansion ran through the post-war years from 1948 through to the late 1960s, with the Vauxhall workforce peaking at around 30,000 in the early 1970s. Although large-scale car production ended at Luton in 2002, the Stellantis-run commercial-vehicle facility continues at the Kimpton Road site, and the engineering and supply-chain workforce remains a substantial residential anchor for the borough's inter-war and post-war estates.

The residential stock that grew out of this expansion defines much of the modern Luton borough. Stopsley, Round Green, Wigmore, Limbury, Sundon Park and Leagrave collectively carry tens of thousands of inter-war Edwardian and 1930s semi-detached and terraced family homes, supplemented by post-war 1950s and 1960s estate housing. Bridging activity on this stock is dominated by two patterns. First, owner-occupier chain-break for families moving up the borough's family-home ladder, with regulated bridges at the tighter end of the regulated band passed to our regulated partner firm. Second, BTL-investor refurbishment on the cheaper end of the stock, with cosmetic and medium refurbishment supporting BTL refinance exits at uplifted value.

Leagrave carries a particularly active refurbishment-to-BTL and HMO conversion market given the Edwardian terraced stock format and the strong commuter draw to Leagrave railway station. Stopsley and Wigmore lean more towards owner-occupier chain-break and capital-raise activity given the larger semi-detached and detached family-home format. The pricing in this segment lands in the 0.75% to 0.95% per-month band on most residential bridges, with HMO conversion cases at the upper end of the range.

Luton Bridging Lenders

Our headline panel is eight lenders, chosen because together they cover the full range of bridging activity in Luton without duplication. They are MT Finance, Octane Capital, Roma Finance, United Trust Bank, Hope Capital, Together, LendInvest, and Octopus Real Estate. Each prices differently across the segments, and the case for taking a deal to a particular lender turns on where the case sits in the matrix.

MT Finance is the workhorse on standard unregulated bridging up to roughly £3 million, with quick decisions and a clean credit policy. They suit straightforward investment-property purchases and standard refurbishment exits, and we use them heavily on the Bury Park and Leagrave terraced BTL refurbishment flow. Octane Capital takes the heavier lift, including heavy refurbishment, mixed-use, light development and more complex security profiles. They are often the right call on a LU1 town-centre conversion case where the works are substantial or a High Town HMO with Article 4 timing constraints. Roma Finance is strong on refurbishment-to-BTL and the buy-refurbish-refinance pattern that dominates the Luton investor book, particularly across the LU3 and LU4 inter-war semi-detached stock. United Trust Bank sits at the regulated end of the panel, pricing tightly on owner-occupier chain-break work across Stopsley, Wigmore and Bramingham where the security and exit are clean.

Beyond the headline eight, we work regularly with Shawbrook, Precise Mortgages, Allica Bank, Bridgebank Capital, Avamore Capital, Glenhawk, Aldermore and Kuflink. Each has a niche worth knowing. Shawbrook and Allica Bank price well on cleaner commercial and semi-commercial bridges, which fits the Capability Green and Dunstable Road mixed-use flow particularly well. Bridgebank Capital, Avamore Capital and Glenhawk all have well-developed appetite for refurbishment and small development work that suits the Luton investor profile across LU1, LU3 and LU4. Kuflink and Precise Mortgages round out the panel with quick smaller-ticket work and the option of a portfolio approach on multi-property cases. ASK Partners and OakNorth come in on the largest tickets where a commercial relationship and larger lend make sense, which we see on Capability Green office acquisitions and the larger Power Court and Century Park development-exit cases. The point of carrying that breadth is not to chase the cheapest headline rate on every case. It is to have a credible answer for every case, because the right lender on a Luton deal is almost never the lender who answered the previous one.

5 Recent Luton Deals

1. Auction terrace, Bury Park, fourteen-day completion

A two-bed Westbourne Road terrace in LU1 bought at a regional auction for £215,000 with vacant possession and a basic auction pack. Bridge of £150,000 at 70% of purchase price plus a small cosmetic refurbishment budget of £28,000, 9-month term, exit through buy-to-let refinance once the property is let. Indicative terms inside 24 hours of the hammer falling. Valuation booked within 48 hours, title insurance applied to bridge a thin search pack, drawdown on day 12. Rate at 0.85% per month. The cleanest version of the auction pattern that runs through the Luton book month after month, with BTL refinance landing at £278,000 valuation on exit.

2. High Town HMO conversion, heavy refurbishment

A five-bedroom terrace off Havelock Road in LU2 acquired for £285,000, requiring full conversion to a licensed six-bed shared house serving the University of Bedfordshire and airport workforce catchment. Total loan facility of £325,000 covering purchase plus an initial works tranche, with staged drawdowns against monitoring inspections to fund the remaining £62,000 of works covering fire-safety upgrades, fresh kitchens and bathrooms, electrical compliance and the licensed shared-house layout changes. 13-month term to allow for Article 4 planning sign-off, the works programme, and a specialist HMO buy-to-let refinance on completion. Pricing at 1.05% per month.

3. Stopsley chain break for an onward move

An owner-occupier in a Sherborne Avenue inter-war semi in LU2 accepted an offer on their existing home at £395,000, with a delayed completion the buyer's chain could not bring forward. Their onward purchase, a larger Putteridge Park detached at £575,000, required completion in six weeks. Regulated bridge of £395,000 arranged at 70% loan-to-value against the onward property, 9-month term, exit through completion of the existing sale. Rate at 0.65% per month at the cleaner end of the regulated band. Introduced through our regulated partner firm for the regulated activity, packaged and completed in 18 days from instruction.

4. Town Centre development exit, Power Court corridor

A sixteen-unit permitted-development conversion off Guildford Street in LU1 reaching practical completion, originally funded on development finance, with seven units already reserved and nine to market. Refinance bridge of £1.85 million at 65% of gross development value of £2.85 million, 15-month term to allow for unit sales to complete. Step-down in pricing from the development facility of roughly 0.35% per month, providing the borrower with carry savings that more than cover the arrangement fee. Pricing at 0.95% per month. Octopus Real Estate is the typical home for cases of this size and shape, with LendInvest a regular alternative.

5. Airport corridor commercial bridge, Capability Green office acquisition

A sitting-tenant occupier on the Capability Green business park taking on the freehold of their occupied office building from a long-standing institutional landlord. Acquisition value £3.7 million, bridge of £2.4 million at 65% loan-to-value, 15-month term, exit on a commercial term loan against the same security once the freehold transfer completed and a five-year extended lease structure was confirmed. Pricing at 0.95% per month. The case sits at the institutional end of our Luton commercial book and illustrates the airport-corridor commercial flow that distinguishes the Luton market from most other East of England towns of comparable size.

Luton Bridging Outlook 2026 to 2027

The forward view for Luton bridging is steady to firm rather than dramatic. We expect the regulated end of the market to soften modestly through the back end of 2026 as buy-to-let term-rate pricing settles, which should pull regulated bridging pricing down with it. Unregulated standard bridging is likely to hold close to current levels, with competition between specialist lenders keeping pricing honest in the middle of the book. Heavy refurbishment and development-exit pricing will move with the appetite of the larger specialist lenders, and we expect that to remain firm given the supply of completed conversion and development stock coming through the local pipeline. The deal flow itself should hold or grow, particularly on the refurbishment-to-BTL and development-exit segments, given the structural supply of inter-war and Edwardian stock across the borough and the wave of dev-exit work continuing into 2027.

Three specific drivers will shape the 2026 to 2027 outlook. First, the Power Court stadium and mixed-use scheme is moving from planning into early-phase construction, which should generate a parallel stream of site-acquisition, infill and supporting small-commercial bridging cases in the immediate surrounding LU1 grid. Second, the Luton DART people-mover at the airport-station interchange has opened the Century Park development corridor to a new wave of commercial and mixed-use bridging cases. Third, the easyJet headquarters expansion and the broader aviation supply-chain growth at London Luton Airport continues to support the short-let and serviced- apartment investor flow that defines the LU2 8 and LU2 9 bridging book.

The split between regulated and unregulated work on our Luton book runs roughly 20% regulated, 80% unregulated. The regulated portion sits mostly in chain-break cases for owner-occupiers across Stopsley, Wigmore, Bramingham, Limbury and Farley Hill, with a smaller share of downsizer cases where a homeowner is buying onward before completing the sale of a larger family home. The unregulated portion covers the investor and developer book in full. We are not directly authorised by the Financial Conduct Authority; we work with FCA-authorised partners for regulated lending. We do not give advice on regulated mortgages, regulated bridging, or investment products.

On timelines, the standard expectations apply. Indicative terms inside 24 hours of a complete enquiry. Full underwriting in three to five working days once the lender has the pack. Valuation in five to ten working days depending on the valuer's diary and the access situation at the property. Legal completion in five to ten working days after valuation, with auction cases pushed harder using title insurance where the seller's pack supports it. Total elapsed time from first call to drawdown sits between 10 and 21 days on most cases. Auction cases run faster, with seven to fourteen days achievable where the pack is clean.

On fees, we are transparent. Lender arrangement fees typically run at 1.5% to 2.0% of the loan, added to the facility on most products. Valuation is payable on a case-by-case basis, with a typical residential valuation for a single Luton terrace at around £500 to £900. Legal costs sit at both borrower and lender side, typically £1,500 to £4,000 per side on standard cases. Exit fees are zero on most products. Broker fees, where charged, are disclosed in writing before any work starts.

How we work is simple. A short triage call to understand the deal, the security, the timeline and the proposed exit. A written summary of indicative terms inside 24 hours, identifying the two or three lenders best placed to fund the case. A packaged submission with a valuation booking and legal instruction ready to go on lender selection. Then steady, weekly progress until drawdown. We do not run drip-email funnels, we do not chase clients through aggressive call cycles, and we do not promise rates we cannot deliver. The Luton bridging market rewards specific work done at speed. That is what we set the desk up to do.