Avamore Capital
A property lender writing £250k to £25m across bridging, refurbishment, ground-up development and part-complete schemes, priced from 0.56 per cent a month over base with no exit fee.
What they do
Avamore Capital lends against property in mainland England and Wales, funded by wholesale lines from Shawbrook and three other institutions. Products run from bridging and refurbishment to ground-up development from 6.75 per cent a year over base, and a part-complete development product the firm says it introduced to the market, for stalled schemes that need finishing and selling. Rates are fixed for the life of the loan over base, there is no exit fee, and floating-rate loans go to credit committee. Leverage reaches 85 per cent of day-one purchase price on below-market purchases and 75 per cent of gross development value.
Where they fit in a lower-mid-market raise
Part-complete schemes are the specialism. A half-built development whose original lender has withdrawn is among the hardest things to fund in this market, and a lender that has built a product for it is worth knowing before the situation arises. No exit fee and rates fixed for the term make the total cost easier to model than most bridging.
Where they are not the fit
Scotland and Northern Ireland are excluded, as is regulated owner-occupied residential. The part-complete product needs at least one existing wall retained, which is a real test on a demolished site. Everything is secured on open market or development value, so a trading company without property has no route here.
Published terms
- Pricing
- From 0.56% per month (fixed for loan life) + BBR across bridging/refurb/development; ground-up from 6.75% p.a. + BBR; 0% exit fee; floating rates available on credit-committee approval
- Speed to terms
- Not published
- Sponsored or sponsorless
- Neither - property developers/SPVs and private individuals, asset-backed not corporate cash-flow
- Where they lend
- Mainland England & Wales only; Scotland and Northern Ireland excluded
- How they decide
- Credit committee; floating-rate loans require credit-committee approval; delegated-authority thresholds not published
- Search funds and ETA
- No published route for search-fund or first-time acquirer borrowers
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
Avamore Capital lends through 4 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Avamore Capital lends, but which of these would own it.
Bridging
- Facility
- £250k to £25m
- Security
- Fixed charge
- Funds
- Growth · Refinance
- Rules out
- Northern Ireland; Regulated owner-occupied residential; Max loan to value 75% (85% of purchase on BMV); England and Wales only - Scotland and Northern Ireland excluded
Refurbishment (light/medium/heavy)
- Facility
- £250k to £25m
- Security
- Fixed charge
- Funds
- Growth · Refinance
- Rules out
- Northern Ireland; Max 85% day-1 loan to value or 75% loan to gross development value; Min 1 existing wall retained; England and Wales only - Scotland and Northern Ireland excluded
Ground-up development
- Facility
- £500k to £25m
- Security
- Fixed charge
- Funds
- Growth
- Rules out
- Northern Ireland; Max 70% day-1 loan to value or 70% loan to gross development value; England and Wales only - Scotland and Northern Ireland excluded
Part complete development (finish & exit)
- Facility
- £250k to £25m
- Security
- Fixed charge
- Funds
- Growth · Refinance
- Rules out
- Northern Ireland; Stalled/part-complete schemes only; England and Wales only - Scotland and Northern Ireland excluded
Limits that apply across the firm
Stated limits, taken from Avamore Capital’s own published criteria, beyond the ones each desk carries above. A limit is where a lender starts from, not where it always ends: several of these move on a strong enough credit.
- No appetite in northern ireland or scotland
How they sit against the category
- Its published ceiling is £25m; 27 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 4 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 Avamore Capital write?
Published facilities run £250k to £25m. A band is what a lender states it will do, not what it will do on a given credit.
Does Avamore Capital lend to search funds or ETA buyers?
Not on the published evidence. Avamore Capital publishes no route for search-fund or first-time acquirer borrowers. A searcher's route to a lender usually runs through the quality of the target and the equity behind it.
Where does Avamore Capital lend?
Mainland England & Wales only; Scotland and Northern Ireland excluded.
On the record
2025: Maximum bridging loan raised from £7.5m to £25m (ukreiif.com.
2025: New multi-year funding line from Shawbrook Bank — fourth institutional line, first with a UK specialist bank (shawbrook.co.uk.
January 2026: H2-2025 completion volumes +91% YoY; Q4-2025 second-best quarter on record; 60+ loans £238k-£5m; NPLs nearly halved; FY2026-27 target up to £250m origination (theintermediary.co.uk.
Sources: avamorecapital.com
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.