Property finance for London deals, from the whole market
Bridging, development, commercial and buy-to-let finance arranged across Greater London through a panel of 100+ lenders, with indicative terms in 24 hours, on deals from a single Zone 4 flat to a central mixed-use scheme.
London moves at a pace its property finance has to match. A flat under offer in Walthamstow can attract three sealed bids by Friday; a commercial unit in the City can change hands before it ever reaches a portal. When the deal is right but a high-street mortgage is too slow, you need money against property in days, not the eight weeks a residential lender wants. We are a whole-of-market broker, not a lender, so we shop a panel of 100+ lenders on your side of the table and place your London case with the one most likely to fund it first time.
The capital throws up the full spread of finance scenarios. Period conversions and office-to-residential permitted-development schemes need refurbishment or development funding against end value. Auction lots through the London rooms need to complete inside 28 days. Landlords restructuring portfolios into limited companies need buy-to-let lenders who understand London rents and yields. We map the route before you commit, run a soft credit check with your consent, and disclose every fee in writing first.
The London market we fund into
What we see in London
- High capital values mean larger loan sizes and lower headline yields, so lenders weigh the exit and the borrower more heavily than in lower-value regions.
- Office-to-residential and other permitted-development conversions are common across outer boroughs, suiting refurbishment and development finance against projected end value.
- Active auction rooms across the capital sell residential, commercial and probate lots that demand 28-day completion, exactly what auction and bridging finance is built for.
- Prime and short-lease stock that high-street lenders decline is routine here, and specialist bridging lenders price for it.
Finance scenarios we arrange in London
Every London case is different, but a few patterns recur. We match each one to the lenders whose appetite fits, across the whole market.
All rates, loan-to-values and timescales referenced across our products are indicative. The lender confirms the final terms on application, once it has seen the property and your file. Vortex Finance is a broker, not a lender, and does not provide regulated mortgage advice on this website.
When this fits
Complete on an onward purchase before a London sale goes through.
Fund the purchase and the works on outer-borough conversion schemes.
Buy property a high-street lender will not touch, then refinance.
Move London rentals into a limited-company SPV cleanly.
Every product, arranged in London
We arrange all eight of our finance products for London property. Pick the route that fits your deal, or speak to a broker and we will point you to the right one.
Bridging loans
Short-term finance to complete fast, for chain breaks, auctions and unmortgageable stock.
Development finance
Senior debt, stretched senior and mezzanine for ground-up and conversion schemes.
Commercial mortgages
Owner-occupier and investment finance for offices, retail, industrial and mixed-use.
Buy-to-let mortgages
Personal-name or limited-company SPV finance, with the stress test mapped first.
Auction finance
Built for the 28-day deadline, with an indicative offer in 24 hours.
Refurbishment finance
Light and heavy refurb, funding the purchase and the works against end value.
Land finance
Secure a site with or without planning, then roll onto a development facility.
Off-market finance
Off-market deal flow plus the equity, JV capital and senior debt to close it.
Indicative terms on your London deal in 24 hours
Whether the deal is a single buy-to-let in the suburbs or a central development scheme, we arrange the finance through the whole market. Bring us the London property, the loan size and your exit, and a broker comes back within 24 hours.