This route is best suited to transactions where:

• The structure is non-standard

• Timing is critical

• Multiple elements need to be considered together

• A rigid product-led approach would be restrictive

We focus on whether the deal works commercially.

Bespoke solutions may be suitable for:

• Complex ownership or title structures

• Mixed-use or unusual asset profiles

• Phased or multi-stage transactions

• Short-term funding ahead of a defined event

• Transactions requiring judgement-led structuring

Each case is assessed on its own merits.

• Credit-led decision making, not product constraints

• Early engagement with experienced decision-makers

• Transparent structuring from the outset

• Pragmatic approach to complexity where fundamentals are sound

We value clarity and honesty — particularly where a deal requires careful structuring.

Our approach remains disciplined, even where structures are tailored. We focus on:

• Asset quality and marketability

• Loan-to-value and downside protection

• Borrower experience and capability

• Credible and deliverable exit strategy

• Execution risk and mitigants

• Loan sizes from £50,000

• Up to 75% LTV

• UK-based property security

• Residential, semi-commercial, and commercial assets

• Structural works considered where appropriate

Pricing and structure are determined on a case-by-case basis.

1. Initial discussion with the credit team

2. Outline of structure and key considerations

3. Indicative terms issued where viable

4. Due diligence, valuation, and legals

5. Completion and drawdown

Early dialogue is encouraged to ensure alignment before costs are incurred.