Mint Property Finance
A specialist bridging lender writing £75k to £5m with a decision in principle inside 48 hours, funded by an Aldermore block facility and its own balance sheet.
What they do
Mint Property Finance offers a standard bridge from 0.40 per cent a month, a high-value bridge focused on the London orbital but available UK-wide, a commercial bridge to £1m, a refurbishment product at up to 90 per cent of cost to £500k, development finance to £2.5m, and a dedicated Scotland bridge. Eight underwriters work in house, including a specialist development team, and funds can follow in as little as three days after a decision in principle within two days.
Where they fit in a lower-mid-market raise
The standard bridge is the product that reaches lower-mid-market scale, and the price at the bottom of the range is among the lowest published in the market. A dedicated Scottish product is unusual and useful. For a fast residential-backed purchase up to £5m, this is a straightforward lender with real underwriting capacity behind it.
Where they are not the fit
Most products cap far below £5m: commercial at £1m, development at £2.5m, refurbishment at £500k, so the ceiling applies only to the standard bridge. All lending is unregulated and business-purpose. Commercial and refurbishment products are limited to England and Wales.
Published terms
- Pricing
- Standard bridge from 0.40% per month; Scotland bridge from 0.40% per month; other products unpublished/negotiated
- Speed to terms
- Decision in principle within 48 hours; funds in as little as 3 days (own site claim via Squared Money)
- Sponsored or sponsorless
- SMEs and property investors; all products unregulated (investment/business purpose only); no indication of sponsor-backed appetite
- Where they lend
- England, Wales and Scotland for most products; England & Wales only for Commercial Bridge and 90% loan to value Refurbishment; high-value bridge focuses on M25 but available UK-wide
- How they decide
- Decision in principle within 48 hours; funds in as little as 3 days per own website; 8 underwriters in-house including specialist development team; no named BDM/sales head published externally
- 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
Mint Property Finance lends through 6 separate books. Which one reads a deal decides the security, the covenant package and the band, so the question is rarely whether Mint Property Finance lends, but which of these would own it.
Standard bridge
- Facility
- £100k to £5m
- Security
- First charge over residential or commercial property; up to 85% loan to value for experienced borrowers
- Funds
- Acquisition · Growth · Refinance
- Rules out
- Unregulated/investment purpose only; No regulated bridging
High-value bridge
- Facility
- up to £5m
- Security
- Up to 70% loan to value; primarily M25 boundary but available on all UK residential kerbside houses and flats; accepts foreign nationals
- Funds
- Acquisition · Refinance
- Rules out
- Unregulated/investment purpose only
Commercial bridge
- Facility
- £75k to £1m
- Security
- Up to 70% loan to value; desktop valuations accepted to 50% loan to value; light-use commercial properties up to £1.5m value; accepts heavy adverse credit where exit is sale
- Funds
- Acquisition · Refinance
- Rules out
- England & Wales only; Unregulated/investment purpose only
90% LTV refurbishment
- Facility
- up to £500k
- Security
- Up to 90% of GDV (day-one advance against gross development value, not current market value); residential kerbside houses and flats only; no minimum term
- Funds
- Growth · Refinance
- Rules out
- England & Wales only; Residential kerbside houses and flats only; Max £500k
Development finance
- Facility
- up to £2.5m
- Security
- Ground-up residential schemes, conversions and large extensions; terms up to 24 months
- Funds
- Growth
- Rules out
- Max £2.5m
Scotland bridge
- Facility
- £75k to £1m
- Security
- Residential property in Scotland
- Funds
- Acquisition · Refinance
- Rules out
- Scotland only for this product; Unregulated/investment purpose only
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.
- It lends through 6 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 Mint Property Finance 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 Mint Property Finance move?
Decision in principle within 48 hours; funds in as little as 3 days (own site claim via Squared Money). Published timetables describe a clean case; anything unusual in the security or the structure adds to them.
Does Mint Property Finance lend to search funds or ETA buyers?
Not on the published evidence. Mint Property Finance 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
2025: Aldermore Bank extended multi-million-pound block bridging facility (April 2025.
2025: Launched 90% LTV Refurbishment product (May 2025.
2026: Shortlisted for Bridging & Commercial Awards in four categories including Bridging Lender of the Year and Best Development Lender.
Sources: mintpropertyfinance.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.