From South Kensington’s stucco terraces to Holland Park’s villas, we lend £50,000 to £25,000,000 on Kensington property as a direct lender — asset-led decisions the same day, completion in days when the deadline demands it.
Why Kensington property suits a specialist lender
Kensington runs the full prime spectrum: museum-quarter lateral flats, Victorian townhouses split into conversions and being reassembled back into houses, and tired stock bought precisely because it is tired. International ownership is the norm and so are the financing failures that come with it — no UK income, no UK credit file, structures instead of individuals. Add the borough’s appetite for reconfiguration projects (amalgamations, extensions, full refurbishments) and you have a market where short-term asset-led finance is not the alternative option; it is how deals here actually get done.
Buying a conversion flat to amalgamate, or a house to take back to brick? Works funding travels with the loan, and unmortgageable-condition stock is standard security.
How we lend
Asset and exit, not checklists: £50,000–£25,000,000, from 0.79% per month, up to 70% LTV on residential investment (65% commercial and semi-commercial), first and second charge, terms 3–24 months, business and investment purposes. Individuals, companies, SPVs, trusts and offshore structures all welcome. Same-day decision in principle; completion from 7 days.
A lender on your doorstep
Our office is at 27 Hill Street, Mayfair — minutes away. Valuations, site visits and legal meetings happen in days, not weeks, because the people making the decision can walk to the property. See also our Mayfair and prime central London pages.
Frequently asked questions
Do you cover South Kensington and Holland Park?
Yes — all of Kensington & Chelsea and the surrounding prime postcodes. Our office is in Mayfair, minutes away.
Can a bridge fund a full refurbishment or amalgamation?
Yes — purchase plus works is a standard structure, with the exit a refinance or sale at the improved value.
Do you need me to have UK income or credit history?
No. We underwrite the property and the exit. Overseas buyers and structures are routine.
Talk to us about a Kensington deal
Tell us the property, the number, and the deadline — you’ll have an answer today from the person who can approve it. Quick enquiry.