Hope Capital
A principal bridging lender in the North West writing £50k to £5m against trading premises and investment property, issuing terms within an hour and funding in days.
What they do
Hope Capital lends from its own balance sheet alongside institutional lines including an enhanced facility from Shawbrook and a committed £35m wholesale line. Commercial bridging and refurbishment or conversion loans run over three to eighteen months against shops, offices, restaurants, hotels, factories, warehouses and care homes, in England, Wales and Scotland. Pricing starts around 0.79 per cent a month on residential and 0.92 to 0.99 on commercial, with no exit fees. Underwriting is manual, terms are issued within about an hour, and instant valuations are available on residential cases to £1m.
Where they fit in a lower-mid-market raise
Commercial bridging secured on the premises a business trades from is the relevant product for a corporate borrower, and this lender treats that as core rather than as an exception. No exit fees and manual underwriting make the total cost predictable and the answer quick, which is what a purchase deadline needs.
Where they are not the fit
Facilities cap at £5m, at the bottom of a £3–15m raise, and most of the book sits well below that. Terms run to eighteen months, so the exit has to be real. Everything is sized on loan to value rather than earnings, and distribution is through intermediaries.
Published terms
- Pricing
- Fixed rates from ~0.79% pm headline (residential); max-net commercial cut to ~0.92% pm at 70% loan to value in July 2026; commercial from ~0.99% pm at 65% loan to value on product page. No exit fees. Arrangement/min-term fees not published
- Speed to terms
- Fast - desktop/instant valuations within 48h (instant vals to £1m residential post-July-2026), terms within 1 hour, funds within days
- Sponsored or sponsorless
- Corporate/individual property borrowers - accepts individuals, corporations, partnerships and limited companies, including. UK residents, foreign nationals and expats; gifted deposits and adverse credit considered; not a sponsor-LBO lender
- Where they lend
- England, Wales and Scotland
- How they decide
- Individual/manual underwriting; terms issued within ~1 hour; broker-intermediary distribution; NACFB patron from April 2026
- 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
Hope Capital lends through 2 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Hope Capital lends, but which of these would own it.
Commercial bridging loan
- Facility
- £50k to £5m
- Security
- First charge over UK commercial property (trading-business premises); dual legal + title insurance to £1m
- Funds
- Growth · Refinance
- Rules out
- Not property-secured; EBITDA cash-flow lending (out of scope); Loan above £5m
Refurbishment / commercial conversion bridge
- Facility
- £50k to £5m
- Security
- First charge; light/medium refurb to 65% loan to value, heavy refurb to 60% loan to value, 60% GDV; forward-funded refurb tranches
- Funds
- Growth · Refinance
- Rules out
- Loan above £5m; Not property-secured
Limits that apply across the firm
Stated limits, taken from Hope 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 non-property-secured lending
How they sit against the category
- Its published ceiling is £5m; 67 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.
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 Hope Capital write?
Published facilities reach £5m, 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.
How quickly does Hope Capital move?
Fast - desktop/instant valuations within 48h (instant vals to £1m residential post-July-2026), terms within 1 hour, funds within days. Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
On the record
June 2025: Enhanced Shawbrook Bank funding facility (hope-capital.co.uk.
2025: Rebrand to Hope Capital Property Finance; loan book +61%, applications +86%, facilities funded +46% YoY (hope-capital.co.uk.
July 2026: Criteria expansion — min loan £100k->£50k, commercial/max-net rate cuts, instant vals to £1m, dual legal to £1m incl. Scotland, forward-funded refurb tranches, up to 75% OMV on BMV deals (mortgagesolutions.co.uk.
August 2026: Enhanced Dual+ range; dual legal representation limit raised to £1m (theintermediary.co.uk.
Sources: hope-capital.co.uk · mpamag.com · mortgagesolutions.co.uk · theintermediary.co.uk · mortgagestrategy.co.uk
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.