From Cheyne Walk to the streets off the King’s Road, Chelsea property is period, particular, and expensive to get wrong. We lend £50,000 to £25,000,000 on Chelsea houses and flats as a direct lender based in Mayfair — same-day decisions, completions in days.
Why Chelsea property suits a specialist lender
Chelsea’s stock is dominated by period houses and conversions, and that is where its lending friction lives: refurbishment projects mid-works, basement excavations, unmodernised houses trading at “needs everything” prices, and short-lease flats on the great estates that mortgage lenders decline outright. Each of these is a discount on the way in and value on the way out — if your finance can move at exchange speed and doesn’t apply a checklist built for new-build flats.
Refurbishment and works funding sit naturally alongside the purchase here, and short-lease purchases followed by statutory lease extension are a Chelsea classic — see unmortgageable property bridging.
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
Will you lend on an unmodernised or uninhabitable Chelsea house?
Yes — no-kitchen, no-bathroom and mid-refurbishment properties are standard security for us, with works funding available alongside.
Do you lend on short-lease Chelsea flats?
Yes. Buy on bridge, extend the lease, then refinance or sell at the long-lease value — one of the most common prime-London strategies we fund.
What does a Chelsea bridge cost?
From 0.79% per month plus arrangement and exit fees — full worked example on our costs page.
Talk to us about a Chelsea 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.