Our products
Tailored bridging facilities for residential and commercial property across the UK. Every case is reviewed on its own merits — flexibility and pace are central to how we lend.
Our range covers a wide variety of scenarios, including raising capital for business purposes secured against residential property, mezzanine funding for development schemes, purchases that must complete quickly, auction finance, land with planning in place, light refurbishment projects, and opportunities to enhance or amend existing planning consent.
We recognise that every borrower and every transaction is different. Our internal underwriting team works with you to identify the most suitable structure for the deal. Responsiveness and flexibility remain our focus throughout.
Bridging finance
Our bridging finance facility is suited to situations where time is of the essence. Whether a client is buying at auction, adding a buy-to-let to a portfolio, or releasing equity to support a business objective, we can provide dependable short-term funding at pace.
Mezzanine finance
Sometimes called mezz funding or stretched senior debt, mezzanine finance provides supplementary loan capital where there is a shortfall between a developer's equity contribution and the advance available from the senior lender. The facility typically ranks as a second charge over the security, with the senior funder holding first position.
Senior lenders have tightened loan-to-cost and loan-to-GDV covenants in recent years, often lending at 50–75% of costs and 55–65% of gross development value. Mezzanine funding can help experienced developers preserve equity, improve returns on their own capital, and keep cash working across more than one scheme — including where receipts from a completed project are still to come through.
We review mezzanine proposals for suitable residential and mixed-use developments on their individual merits, with terms shaped around the scheme, the borrower, and the proposed exit.
Light refurbishment
Structured to support light refurbishment on both residential and commercial assets. Our drawdown process is efficient and uncomplicated — in many cases, ongoing monitoring surveys are not required.
Second charge
Suited to releasing equity from a property that already carries a first charge mortgage. As an unregulated lender funding from our own capital, there is greater latitude in how proceeds may be used where the security is buy-to-let or commercial. Lending against a main residence is available for business purposes only.
Land
Designed for the purchase or refinance of land where detailed planning permission is already in place. We issue prompt decisions once planning documentation and the broader proposal have been reviewed.
A dependable partner for agile property finance throughout the UK.
Share the security, amount, and timeframe — we will respond with an agreement in principle the same day on suitable cases.
Important information. Brodie Capital Partners Limited is not authorised or regulated by the Financial Conduct Authority. We provide unregulated bridging finance funded from our own capital. Loans against main residences are for business purposes only. Nothing on this website constitutes financial advice or an offer of credit. All lending is subject to assessment, valuation, and satisfactory due diligence.