Commercial Real Estate & Development Funding​

Mortgage Lenders

UK Mortgage Specialist

Loans & Bridging Finance

We are the UK’s Bridging Finance specialists lending and we will provide you a fast and responsive service to any short-term finance need via BNO UK mortgage.

Service at Speed – 12 Hours to Answer

100% Commitment !

Specialists in
Short-term Property Finance from
£100k to £20m

UK Mortgage ONE have been guiding clients to the best bridging deals in UK mortgage for over ten years.

UK Mortgage One Regulated Bridging Finance

UK Mortgage ONE specializes in providing short-term property financing from £100k to £20m, guiding clients to the best bridging deals in the UK mortgage market for over a decade.

Land Bridging for pre-planning purchases

Providing renovation financing to increase property value or to offer financial support for long-term property retention, helping you maximize your property investment.

Finance for Opportunities and for Unexpected Crisis

Whether seizing investment opportunities or dealing with sudden crises, UK Mortgage ONE can provide timely financial support.

Refurbishment Finance to flip or retain property

When purchasing land during the pre-planning stage, our bridging finance offers flexibility and speed for your investment plan.

Commercial Bridging for Business Start-Ups or Expansion

For startup or business expansion plans, our commercial bridging finance solutions can provide the necessary cash flow, supporting business growth.

Discuss your project with over


funders, lending money now throughout the UK.

We can provide UK mortgage:

Small value loans on properties not considered by the buy to let market.

War-chest facilities at up to £20m.

Standalone 2nd, 3rd, Third Party and Equitable Charges.

Loans at up to 85% of the purchase price Day 1 for refurbishments at bank rates.

Planning Gain loans at up to 90% of the hope value of the land.

Loans to Ex-pats / Foreign Nationals / Charities / Trusts / Associations / Adverse Credit

On Land without planning / Complex Title Transactions / Irish, Jersey and Guernsey Property / Where the exit comes from an uplift in trading performance.

Principle funders of UK local projects

With knowledge that comes from being a principal funder of local development projects we will bring this expertise to bear on your project by canvassing the whole of the market and obtaining the best cost of UK mortgage for your project.

UK Property & Development Finance​

Structed Finance available up to


of overall project cost (Site & Development Costs)

5 Simple Checks on
Golden journeys being a Property Developer

1. Your Personal Backgrounds

Property Developer

UK Mortgage ONE provide Property Development Finance for experienced Builders and Property Developers and to those undertaking their first project with the contracted support of a recognized builder. All applicants are requested to provide personal and business profiles.

2. Your Intended Borrowing Amount

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UK Mortgage ONE provide Property Development Loans from up to £50 Million. In general terms we can provide Senior Debt finance to cover up to 60% of the site acquisition costs  and up to 100% of the development costs which is drawn down at pre-agreed project stages.

3. Your initial Professional Costs Involved

Property Developer3

In all cases it is necessary for the project Gross Developed Value (GDV) and all development or construction costs to be independently assessed and verified prior to the loan facility approved. Such valuations and professional services are at the expense of the borrower.

4. Your Project Finance Interest Rates and Fees

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This generally depends on the amount you wish to borrow but rates currently start from 7 % per annum and will generally be geared to the overall loan to GDV requirement. UK Mortgage ONE offer loans from our own syndicated fund and also work with 30 other active lenders in the UK. 

5. Talk to our Real Estate Finance Expert

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As a starting point we need to get the basic information about you, your background and of course to the Development or Refurbishment project being undertaken. Our advice is free, impartial and entirely without obligation so please do not hesitate to get in touch.

Taking you from Agreement in Principle to Draw down of Funds

Unlike other brokers, UK Mortgage One has a genuine breadth of funders that range from high street banks to challenger banks, specialist lenders, P2P funders and high net worth individuals. We can advise you on structuring your project in the right way to secure UK mortgage and provide you with the right forms to show your experience.

UK Mortgage Broker

In turn, our experienced team will work with you to make sure the absolute strongest possible presentation gets put to the lenders to increase your chance of success, and if needs be, accompany you to the lender meetings that can often prove crucial to ensuring your project is funded.

Unlike other brokers we don’t leave you at that point but work with you throughout the lending and legal due diligence to make sure that any deadline for starting work gets met. Each project has its own pitfalls but we understand where the pressure points are with each lender and how to speed the process and minimize the stresses that these applications can cause.

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UK Mortgage FAQ

If you are looking to apply for UK mortgage, our team of experts can guide you through the mortgage maze. We will take the time to find out more about your individual circumstances and give advice that is tailored to you. We always reward the loyalty of our existing customers with the UK’s best mortgage deals, and offer a no-hassle approach to switching. Our UK Mortgage FAQ covers everything you need to know about the UK Mortgage Basic 101. If you wish to calculate how loan you need to borrow, you can check it using our UK mortgage calculator.

The minimum deposit that lenders accept is typically 25% of the property’s value. But these mortgages have a very high requirement on salary income and all other aspects of the case have to fit lender criteria.  

Most people start with at least a 35-40% deposit. The rates at this level are also more affordable and the product choice larger.

The more you can afford to put down, the more mortgage options you will have access to. Our UK mortgage calculator will outline the cost impact of putting down a higher or lower deposit, how your deposit amount will affect your mortgage options and how your deposit will affect the costs you incur over time.

This depends on how much you earn and how much deposit you can put down on your UK Buy-to-let property.

Lenders use affordability models that consider a very wide range of different factors.  As such, income multiples can be misleading.  Part of our mortgage product search and advice process via UK mortgage calculator is to help you understand what your UK mortgage ceiling will be in lots of different scenarios.

Buy to let mortgage brokers remove a lot of the paperwork and hassle of getting a mortgage, as well as helping you access exclusive products and rates that aren’t available to the public. UK Mortgage brokers are regulated by the Financial Conduct Authority (FCA) and are required to pass specific qualifications before they can give you advice. Contacting a mortgage broker can be particularly helpful if you are a first time landlord. Try our UK mortgage calculator today.

mortgage faq

UK mortgage FAQs

Providing a guide for your property investment journey. From application processes, interest rate analysis to qualification requirements, we comprehensively cover all the essential points you need to understand.

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Get your BTL mortgage approval

To find out whether you could get a BTL mortgage approval, please answer a few questions.

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UK Buy-to-Let Mortgages

This chapter will explore the various options for commercial real estate and development financing in the UK. Types of commercial real estate loans, development financing options, financing processes, application qualifications.

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Our Support

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