Angel Property Finance
An own-book bridging and development lender funding land acquisition, ground-up schemes and refurbishment up to £20m, with in-house underwriting and its own surveyor.
What they do
Angel Property Finance lends as principal from its own balance sheet, offering first-charge bridging from 0.8 per cent a month, a higher-leverage residential product from one per cent, refurbishment bridging from around 0.9 per cent with arrangement fees from 1.5 per cent, and land and development finance up to £20m. Underwriting, including valuation, is done in-house with its own chartered surveyor, and same-day approval is advertised on smaller bridging cases. The firm operates from London and Manchester and lends across the UK.
Where they fit in a lower-mid-market raise
Land acquisition is harder to fund than most property lending, because there is no income and often no consent, and this is one of the lenders that will do it. An in-house valuer removes the most common cause of delay in a bridging timetable. Facility sizes up to £20m mean a substantial scheme can be funded by one lender.
Where they are not the fit
Regulated lending against a borrower's own home is excluded. Development finance pricing is not published, so it has to be quoted. This is property lending throughout, with no route for a trading business borrowing against earnings, and the firm is younger than most of its competitors.
Published terms
- Pricing
- Bridging rates from 0.8% p/m (1st charge), from 1% p/m (Residential Max); renovation bridging from ~0.9% p/m with arrangement fees from 1.5%. Development finance pricing not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- Corporate/developer and property-investor borrowers (sole traders, LLPs, Ltd companies). Not a sponsor-fund lender; lends against property assets, and took a 30% equity stake in a JV (Brixvoir) alongside a debt framework
- Where they lend
- UK-wide. Self-describes as 'Based in London and Manchester, we serve clients across the UK.' Registered office Cheadle, Cheshire (SK8 3FS). No E&W-only restriction published, so treat as GB-wide including Scotland
- How they decide
- Manual/in-house underwriting; describes itself as a direct lender with an in-house specialist development team and in-house RICS valuer. Same-day approval advertised on smaller bridging
As published by the lender and last reviewed August 2026. Terms quoted on a deal are set by the credit, not by a published band.
The desks that lend
Angel Property Finance lends through 3 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Angel Property Finance lends, but which of these would own it.
Land & development finance
- Facility
- up to £20m
- Security
- First-charge property; land acquisition, ground-up development, refurbishment, commercial-to-residential conversion; loan to gross development value/LTC not published
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Primary residence (regulated owner-occupier)
1st legal charge bridging
- Facility
- £50k to £1m
- Security
- First legal charge; up to 80% loan to value; residential & commercial; max 24 months
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Primary residence (regulated owner-occupier)
Residential max bridging
- Facility
- £50k to £1m
- Security
- First charge; 75% Day-1 loan to value; in-house RICS survey required; max 18 months
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Primary residence (regulated owner-occupier)
How they sit against the category
- Its published ceiling is £20m; 35 of the 75 property-backed lenders here go at least as high.
- 65 of the 75 publish an indicative price at all; it is one of them.
- It lends through 3 distinct desks, where most firms here run one or two.
Counted across the 75 property-backed lenders in this directory, on what each one publishes. What a lender discloses and what it will do are different things.
Questions this page answers
How large a facility does Angel Property Finance write?
Published facilities reach £20m, and the bottom of the published range is small-ticket business rather than a corporate facility. A band is what a lender states it will do, not what it will do on a given credit.
Where does Angel Property Finance lend?
UK-wide. Self-describes as 'Based in London and Manchester, we serve clients across the UK.' Registered office Cheadle, Cheshire (SK8 3FS). No E&W-only restriction published, so treat as GB-wide including Scotland.
What does Angel Property Finance lend?
The published product set is land & development finance, 1st legal charge bridging, residential max bridging. Published sector focus is commercial, commercial-development, hmo, land, residential.
Sources
This profile is a curated reference note drawn from public sources, not financial advice or a recommendation. Appetite and terms change; a lender's fit for a given credit is established by approaching it, not inferred from a page.