Access, not a single quote
Going direct to one lender gets you one answer. We approach the lenders whose criteria genuinely fit your deal, then negotiate between them.
Specialist brokers since 2020
Property finance, structured around your deal
We are specialist brokers for bridging, development and commercial finance. One conversation gets your deal in front of the right lenders — and we package it so they say yes faster.
Company no. 12732370
Brokers, not a lender
Fees disclosed upfront
Find the right finance for your deal
Step 1 of 7What do you need?
Six taps, no typing, and an indicative answer before you give us a single detail.
What we arrange
Finance for property, and nothing else
We are specialists rather than generalists. Every service below is one we place regularly, with lenders we deal with regularly.
Bridging finance
Short-term funding secured on property, from 1 to 24 months.
Learn moreDevelopment finance
Staged funding for ground-up builds, conversions and heavy refurbishment.
Learn moreCommercial mortgages
Owner-occupied and investment premises across the UK.
Learn moreBuy-to-let mortgages
Single properties, HMOs, limited company structures and portfolios.
Learn moreResidential mortgages
Purchases, remortgages and first-time buyers.
Learn moreBusiness accounts
IBAN accounts and merchant services through our banking partner.
Learn moreWhy use a broker
We don’t lend. We find the lender who will
A lender can only offer you its own products. We look across the panel, and we present your case in the way that gets it funded.
A case that gets a yes
Most declines are presentation, not substance. We package the valuation, the exit evidence and the schedule of works before a lender ever sees the file.
Speed that comes from preparation
Deals slip because documents are missing, not because lenders are slow. We ask for everything upfront so the file is complete on day one.
We arrange the exit too
A bridge is only as good as the way out of it. Where the exit is a refinance, we arrange that alongside so it completes on time.
How it works
Five steps, and we do four of them
Tell us about the deal
The property, the amount, the timescale and how it will be repaid. Two minutes on the phone or through the Deal Finder.
We assess it honestly
Loan to value, exit strategy, experience and credit. If it does not stack up we will say so rather than waste your time.
We package the case
Valuation, identification, proof of the exit, schedule of works. The file goes to lenders complete, not in instalments.
We approach the right lenders
From our panel, based on who actually funds this type of deal, and we negotiate rate, fee and term.
We manage it to completion
Valuer, solicitors, lender. We chase the parts that cause delays and keep you told where it has got to.
Situations
Most people arrive with a problem, not a product
Illustrative situations rather than client case studies — the kinds of enquiry this market sees, what usually works in each, and roughly what it costs.
“I won at auction and my mortgage lender has pulled out”
The hammer fell, the deposit is paid, and the lender has just withdrawn on condition or valuation.
What usually works“The property I bought is unmortgageable in its current state”
No kitchen, no bathroom, structural issues or a short lease — the high street has declined on condition.
What usually works“My buyer pulled out days before exchange and I could lose the house I am buying”
The sale of your current home has fallen through and the purchase is about to collapse with it.
What usually works“I am downsizing and want to buy before I sell”
You want to move on your own terms rather than accept whatever offer arrives under time pressure.
What usually works“The house I want to live in needs work before a lender will touch it”
You want to buy and live in a property that is not currently habitable, so a residential mortgage is unavailable.
What usually works“I have found a below-market deal but the seller needs a fast completion”
A motivated seller has accepted a discounted price because you can complete quickly — but only if you actually can.
What usually worksFree tool
Work out what a bridge really costs
Most calculators show you interest. Ours shows the gross loan, the fees rolled into it and what you actually repay at the end — for all three ways of paying interest, side by side.
- Every fee included, including ours
- Live gross LTV against lender limits
- No credit check and no sign-up
Example: £300,000 needed on a £500,000 property, 12 months
£344,116
to repay at the end with rolled-up interest
Gross loan£310,881
Monthly rate0.85%
Gross LTV68.8%
Total cost of borrowing£46,016
Illustrative figures using market assumptions. Not an offer of finance.
Our team
Specialists, not a call centre
Your case is handled by the same people from the first conversation to completion. We are a small team by design — it is why deals do not get lost in a queue.
Meet the team
Who handles bridging, who handles development, and how to reach the right person first time.
View the teamOur lender panel
The types of lender we work with, how we choose between them, and how we are paid.
About the panelAbout Amram
Who we are, how we work and what we will not do. Registered in England and Wales since 2020.
About usGuides
Understand the finance before you commit to it
What is a bridging loan and how does it work?
A plain-English explanation of bridging finance: what it is, how lenders price it, when it makes sense and what it costs in practice.
Read the guideHow much does a bridging loan cost?
Every cost in a bridging loan, from the monthly rate to the fees that get added to the balance, with a worked example you can check in our calculator.
Read the guideHow fast can a bridging loan complete?
What actually determines bridging timescales — valuation, legals and packaging — and the specific things that make a case move faster.
Read the guideQuestions
Frequently asked
What does a property finance broker actually do?
We take your deal, work out whether it stacks up, package it into the file a lender needs to see, and place it with the lenders most likely to fund it. Then we manage the valuation, the solicitors and the lender through to completion, and arrange the exit where one is needed.
Does Amram Finance lend money?
No. Amram Finance Ltd is a credit broker, not a lender. We do not lend our own money, approve loans or issue offers. We introduce your case to lenders on our panel and negotiate the terms on your behalf.
What does it cost to use Amram?
Our broker fee is 1.5% of the loan. It is disclosed in writing before you commit to anything, and it is included in our calculator so the total you see is the real total rather than the lender’s share of it.
How quickly can you arrange finance?
It depends on the lender, the valuation and the solicitors on both sides. The single biggest factor is how well the case is packaged at the start, which is the part we control. We will give you an honest view of your own timetable at the first conversation.
What kinds of property finance do you arrange?
Bridging finance, development finance, commercial mortgages and buy-to-let mortgages, plus residential mortgages and introductions to business banking. We do not arrange asset finance, unsecured business lending or anything unrelated to property.
Do you work with introducers?
Yes. Solicitors, estate and auction agents, accountants and other brokers refer cases to us regularly. We report back to the introducer rather than going straight to their client, and any commission arrangement is agreed in writing beforehand.
Have a deal that needs to move?
A specialist reviews it free of charge and comes back with what is realistically achievable, what it is likely to cost, and what the lender will want to see.
Amram Finance Ltd is a credit broker, not a lender. We do not lend our own money and we do not approve or issue loan offers.
Your property may be repossessed if you do not keep up repayments on a loan secured on it. Some forms of bridging finance and buy-to-let lending are not regulated by the Financial Conduct Authority.