Lender Profile
Greenfield Bridging Bridging Loans
Birmingham-based specialist bridging lender since 2009.
Starting rate
0.69% /mo
Max term
Up to 24 months
Max LTV
75%
Loan range
£75,000 (under-£75k considered by referral)–£3,000,000 (max £1m per security)
About Greenfield Bridging
Greenfield Bridging has been lending against UK property since 2009, with a focus on flexible terms and a relationship-driven underwriting style. They're a specialist boutique rather than a high-street name — which means dedicated relationship managers and faster decisions on cases that don't fit the standard mainstream criteria.
Their bridging products cover regulated and unregulated cases with rates from 0.69% per month. Greenfield are notable for their willingness to consider light adverse credit at low LTVs, and for unusual property situations that other lenders won't touch.
Greenfield offer first charge bridging up to 75% LTV and combined first-and-second charge up to 70%. Maximum loan per security is £1m, max £3m total facility.
Product range: Regulated and unregulated first-charge bridging, plus 1st-and-2nd combined charges. Light, medium and heavy refurbishment all considered.
Best for
- Cases that don't fit mainstream criteria — unusual properties, light adverse
- Borrowers who value direct relationship-led underwriting
- First-and-second charge combined deals
- Self-build development finishing finance
Key facts
- Established
- 2009
- Min Loan
- £75,000 (under-£75k considered by referral)
- Max Loan
- £3,000,000 (max £1m per security)
- Max Term
- 24 months unregulated / 12 months regulated
- Max Ltv
- 75% (1st charge residential)
- Fee
- 2% arrangement fee
- Regulated
- Both regulated and unregulated
- Interest Structures
- Retained, rolled-up, or serviced on unregulated
- Completion
- Typically 2-4 weeks for standard cases
Pros
- +Light adverse credit considered at low LTV
- +Boutique service — direct access to underwriters
- +1st-and-2nd combined charge on the same property
- +Self-build finishing finance (rare in the market)
Cons
- −£3m facility cap — not suitable for very large deals
- −England and Wales only (no Scotland)
- −Heavy refurbishment carries 0.2%/month rate loading
Greenfield Bridging FAQs
Does Greenfield lend in Scotland?
No — Greenfield lend in England and Wales only. For Scottish bridging cases we'd point you to other lenders on our panel.
Can Greenfield consider adverse credit?
Yes, on light adverse with strong security and a low LTV. Medium-to-heavy adverse is generally not considered.
What's the maximum loan size?
£3 million total facility, capped at £1 million per security property. Loans under £75,000 are considered by referral.
Apply for a Greenfield bridge
We'll match your case against Greenfield's criteria first — and the rest of our panel — to find the cheapest fit.