Mizrahi Tefahot Bank, London
The London branch of Israel's third-largest bank, funding pre-planning, development and investment property loans from around £1m to £30m in London, the South East and selected cities.
What they do
Mizrahi Tefahot's London branch has operated in the UK since 1983 and runs a dedicated property finance desk. It lends against residential, mixed-use and commercial assets on a loan-to-value or loan-to-cost basis across three products: pre-planning loans on sites without consent, development loans through construction, and investment loans on completed assets, from around £1m to £30m. Each borrower is assigned a relationship manager and an assistant manager who carry the deal through, and the branch markets a pragmatic, case-by-case approach rather than a product grid.
Where they fit in a lower-mid-market raise
Pre-planning finance is the distinguishing product. Very few banks will lend against a site before consent is granted, and for a developer or a corporate landowner working a site through the planning system this is a scarce source of money. Development and investment lending then sit behind it, so one relationship can fund a scheme from acquisition through to a completed, let building.
Where they are not the fit
Geography is the binding constraint: Greater London, the South East commuter belt and selected regional cities in England and Scotland, and not a national lender. Facilities start around £1m and everything is property-secured, with no trading-company or cashflow lending. Sponsor-backed appetite is not published, so the private-equity route is untested here.
Published terms
- Pricing
- Not published
- Speed to terms
- Not published
- Sponsored or sponsorless
- Corporate/developer property lending; lends to experienced developers and property investors. Sponsor (private equity) appetite not published
- Where they lend
- Greater London, South East England commuter-belt locations, and select regional cities across England and Scotland. Not a whole-of-GB lender
- How they decide
- The branch markets a flexible, pragmatic approach with quick/efficient response
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
Mizrahi Tefahot Bank, London 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 Mizrahi Tefahot Bank, London lends, but which of these would own it.
Pre-planning loans
- Facility
- £1m to £30m
- Security
- First-charge property; residential or mixed-use schemes pre-planning; up to 65% of purchase price/valuation
- Funds
- Growth
- Rules out
- Geography limited to Greater London, South East commuter belt and select regional cities in England & Scotland; Single-facility floor c. £1m
Development loans
- Facility
- £1m to £30m
- Security
- First-charge property; construction/conversion/refurbishment of houses, apartment blocks and mixed-use; up to 65% of purchase price/valuation and 65% of development costs; Stretch Senior up to 80% LTC for experienced developers; term 12-24 .
- Funds
- Growth
- Rules out
- Geography limited to Greater London, South East commuter belt and select regional cities in England & Scotland; Single-facility floor c. £1m
Investment loans
- Facility
- £1m to £30m
- Security
- First-charge property; income-producing assets (residential, commercial, retail, industrial, hotels, HMO); term up to 5 years; up to 65% loan to value
- Funds
- Growth · Refinance
- Rules out
- Geography limited to Greater London, South East commuter belt and select regional cities in England & Scotland; Single-facility floor c. £1m
How they sit against the category
- Its published ceiling is £30m; 16 of the 42 challenger and specialist banks here go at least as high.
- Like 24 of the 42, it publishes no indicative price — a margin comes from a conversation, not a page.
- It lends through 3 distinct desks, where most firms here run one or two.
Counted across the 42 challenger & specialist banks 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 Mizrahi Tefahot Bank, London write?
Published facilities run £1m to £30m. A band is what a lender states it will do, not what it will do on a given credit.
Does Mizrahi Tefahot Bank, London lend to companies without a private-equity sponsor?
Yes. Mizrahi Tefahot Bank, London lends to owner-managed and corporate borrowers, and publishes no private-equity sponsor proposition.
Where does Mizrahi Tefahot Bank, London lend?
Greater London, South East England commuter-belt locations, and select regional cities across England and Scotland. Not a whole-of-GB lender.
What does Mizrahi Tefahot Bank, London lend?
The published product set is pre-planning loans, development loans, investment loans. Published sector focus is commercial, hmo, hotel, industrial, mixed-use.
On the record
October 2023: UMTB (London Branch) co-provided a $150m receivables financing facility for Essar Oil UK alongside Hamburg Commercial Bank (source: sullivanlaw.com) — corporate/trade finance, not property.
Sources: umtb.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.