Working to a deadline? Auction completions and chain breaks are what this desk does. Call and we will tell you today whether it is achievable.
020 4525 4876We do not lend. We place your case with lenders who do — and the value is in knowing which of them will actually fund this particular deal.
We describe the panel by type rather than by name. Lenders generally restrict how intermediaries use their branding, and publishing a list we cannot stand behind would be worse than publishing none.
Short-term lenders funded by institutional lines or their own balance sheet. Fast, flexible on property condition, and priced in loan-to-value tiers. The core of the bridging market.
Auction purchases, refurbishments, chain breaks, unmortgageable stock.
Banks operating outside the high street, typically cheaper than a pure specialist lender but slower and more demanding on documentation.
Larger bridges, commercial mortgages, portfolio buy-to-let.
Lenders geared for staged drawdowns, monitoring surveyors and construction risk. Appetite varies sharply by scheme size, location and developer experience.
Ground-up schemes, conversions, heavy refurbishment.
Term lenders assessing rental coverage rather than personal income, including lenders comfortable with HMOs, multi-unit blocks and limited company structures.
Refinancing out of a bridge, portfolio restructures, new acquisitions.
Lenders assessing the covenant and the income, with appetite that varies enormously between retail, office, industrial and specialist use classes.
Owner-occupied premises, tenanted investment property.
Discretionary capital for cases that do not fit a credit policy. More expensive, but genuinely flexible where the security and the exit are strong.
Unusual security, complex structures, very short timescales.
We describe our panel by lender type rather than by name. Most lenders restrict how intermediaries use their name and branding, and a list we could not stand behind would be worth less to you than an honest description of the market we work across. On a live case we will tell you exactly who we are approaching and why.
We do not claim to be. No broker deals with every lender in the country, and a claim like that is difficult to evidence. What we can say is that we approach the lenders whose criteria genuinely fit your deal, and we will tell you when a lender we do not deal with would be a better fit.
Criteria fit first: property type, loan to value, your experience and the exit. Then the practical questions — how quickly they complete, how they handle valuations, and whether their service holds up under pressure. Price matters, but a cheap rate that does not complete is worth nothing.
Our broker fee is 1.5% of the loan, disclosed in writing before you commit to anything and included in our calculator. Where a lender also pays a commission on a completed case, that is disclosed to you in the same document, so you can see both sides of how we are paid.
We recommend the option that best fits the deal, and we explain the trade-offs. On a case with a hard deadline, certainty of completion is often worth more than a fractionally lower monthly rate. You make the decision with the reasoning in front of you.
A specialist reviews your deal free of charge and comes back with what is realistically achievable.
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.