Glenhawk
A short-term property lender writing standard commercial bridging to £3m and structured real estate facilities from £5m to £50m, with indicative terms the same day.
What they do
Glenhawk lends against residential, commercial and mixed-use property in England, Wales and Scotland, funded by institutional lines. Standard commercial bridging is priced from 0.88 per cent a month and residential from 0.68, with regulated lending cut to record lows in 2025. Above £5m, a separate structured real estate desk writes bespoke facilities to £50m, focused on the living sectors and run directly by its managing director. Standard commercial cases get indicative terms the same day and complete in ten to fifteen working days; residential can complete in five to eight.
Where they fit in a lower-mid-market raise
Two lenders sit inside one brand. For a sub-£3m bridge the standard desk is quick and priced keenly; above £5m the structured desk writes larger, bespoke facilities on residential-led schemes. A borrower approaching for a £3–15m requirement should be speaking to the structured team from the start.
Where they are not the fit
There is a gap between the £3m standard cap and the £5m structured floor that only mixed-use bridging partially fills, so a £4m commercial requirement needs testing. Northern Ireland is excluded, land lending is limited to London and the South East, leverage caps at 70 per cent, and only first charges and short-term facilities are available.
Published terms
- Pricing
- Commercial bridging from 0.88% per month (10.56% annualised). Residential from 0.68%/month. Regulated from 0.61–0.69%/month (cut Sep 2025 to lowest-ever). SRE bespoke, not published
- Speed to terms
- Commercial standard: indicative terms same day, completion 10–15 working days. Residential can complete in 5–8 working days. SRE timeline not published
- Sponsored or sponsorless
- No private-equity sponsor or corporate cashflow appetite. Lends to individuals, limited companies, SPVs, offshore structures - but only against property security, not operating business value
- Where they lend
- England, Wales, and Scotland. Northern Ireland excluded. Land within SRE restricted to London and South East
- How they decide
- In-house underwriting case by case. BDMs assigned by postcode for standard products. Indicative terms within hours on standard commercial
- 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
Glenhawk 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 Glenhawk lends, but which of these would own it.
Commercial bridging
- Facility
- £250k to £3m
- Security
- First charge only; commercial property (offices, retail, industrial, hotels, pubs, restaurants, HMOs, nurseries, gyms, wedding venues); max 70% loan to value on OMV
- Funds
- Acquisition · Refinance
- Rules out
- Property-secured only - no cashflow/EBITDA lending; Max 70% loan to value; First charge only; Term lending not available
Mixed use bridging
- Facility
- £250k to £5m
- Security
- First charge; mixed-use property; max 70% loan to value
- Funds
- Acquisition · Refinance
- Rules out
- Property-secured only; Max 70% loan to value; First charge only; England, Wales and Scotland only
Structured real estate
- Facility
- £5m to £50m
- Security
- Bespoke; residential up to 75% loan to value, commercial up to 65% loan to value, land up to 50% loan to value; portfolios; offshore entity structures accepted (BVI, Cayman, Crown Dependencies, Monaco, Luxembourg, Switzerland) if at least one beneficial owner has UK res.
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Property-secured only; Land lending restricted to London and South East; Commercial within SRE max 65% loan to value; Short-term bridging only (3–24 months) - no term debt
Limits that apply across the firm
Stated limits, taken from Glenhawk’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.
- England, Wales and Scotland only (no Northern Ireland)
How they sit against the category
- Its published ceiling of £50m is among the 12 highest of the 75 property-backed lenders here.
- 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 Glenhawk write?
Published facilities run £250k to £50m. A band is what a lender states it will do, not what it will do on a given credit.
How quickly does Glenhawk move?
Commercial standard: indicative terms same day, completion 10–15 working days. Residential can complete in 5–8 working days. SRE timeline not published. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Glenhawk lend to search funds or ETA buyers?
Not on the published evidence. Glenhawk 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.
On the record
September 2025: Cut regulated bridging rates to lowest-ever (0.61–0.69%/month); launched second-charge on regulated prime at 70% LTV cap.
June 2025: Founder Guy Harrington stepped down as CEO; Andrew Townsend appointed CEO.
2024: Launched Structured Real Estate division (£5m–£50m) under Chris Daly, focused on PBSA, co-living, high-value residential and complex commercial.
2022: Doubled unregulated bridging max from £5m to £10m; total lending £2bn since 2018.
Sources: glenhawk.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.