Churchbridge Capital is a UK commercial finance broker that sources, structures and packages bridging loans, development finance, second charge loans and VAT loans for property investors, landlords, developers, businesses and their advisers. Every case is underwritten in-house before it goes to a lender, so the lender receives a proposal already built around the asset, the borrower and the exit. Churchbridge Capital Limited is based at 51 Marloes Road, London W8 6LA, and arranges finance on property throughout the UK.
A commercial finance broker is an intermediary who finds and negotiates business or property finance for a borrower. The broker assesses the requirement, identifies the lenders whose appetite fits, presents the case and manages it through valuation, legal work and completion. A specialist broker adds most value where the deal is time-critical, the borrower’s profile is non-standard or the security is unusual. In those cases, approaching lenders directly can be complex unless you understand how they work and which lenders favour particular scenarios.
A broker who knows the market can match your deal to the lender most likely to fund it, on the best available terms, at the first attempt. Bridging lenders differ widely in appetite, pricing, leverage and speed. Many of the specialist lenders we work with accept business only through intermediaries. A properly packaged case also avoids the delays and repeated credit searches that come from trial-and-error applications. On our Core Funding product, using Churchbridge costs you no broker fee, and you receive cashback on completion.
At Churchbridge, we work hard to maintain personal relationships with underwriters and lending directors. This means we can discuss a loan informally before it is submitted, which is extremely helpful when it goes forward for approval.
Churchbridge has access to hundreds of lenders, including specialist bridging and development funders and private lenders. We are not a volume broker. We do not circulate proposals widely. Instead, we underwrite and package each transaction ourselves and present it only to the lenders best placed to fund it. This protects your confidentiality and gets a better response from lenders.
Many inexperienced brokers send a borrower's full details to dozens of lenders at once. Churchbridge protects your credibility by approaching only those lenders that have already expressed an interest.
Yes. Our in-house principal lender is WSP Capital Ltd, which is led by Churchbridge’s founder, George Wall MRICS. George is a chartered surveyor and seasoned property professional with a deep understanding of refurbishment and development — and all the challenges that come with them — so you are in safe hands. WSP Capital is one option among the hundreds of lenders we can access, and we do not favour it. Each transaction goes to the lender that best fits the borrower’s requirements, even if that means it is funded elsewhere. If we propose a WSP Capital facility, we will tell you so from the outset.
On our Core Funding product we charge no broker fee. Core Funding covers most first and second charge bridging, development finance and VAT loans. Some transactions need significant structuring before they can go to a lender. These fall under our Bespoke Funding product, which carries a discretionary broker fee of up to 1% of the loan. Any broker fee is agreed with you in writing before we start work.
The lender pays us a commission, usually out of its own arrangement fee, so it is not an extra cost to you. On Bespoke Funding cases we may also charge the broker fee described above. Your Engagement Letter sets out all commission and fees before you commit. We do not work with lenders that raise their pricing to increase broker commission.
On every loan we complete for a direct client, we pay 10% of our commission back to you on completion, on both Core and Bespoke Funding. For example, on a £500,000 loan where our commission is 1%, you would receive £500. Cashback does not apply where you have been introduced to us by another broker or intermediary.
This is uncapped. If we arranged a £20m development loan and received a 1% commission, we would pay the borrower £20,000 as a thank you for using Churchbridge.
Most bridging and development loans carry the following costs on top of interest:
We set out all known costs at the outset, so you can see the total cost of borrowing rather than just the headline rate.
We arrange:
Bridging covers residential, semi-commercial and commercial property, buy-to-let, HMOs, hotels, industrial sites, data centres, and land with or without planning. Projects can range from light refurbishment to ground-up development. Our range is vast, so if your requirement isn't listed, please call us — chances are we can help.
Bridging loans arranged through Churchbridge range from £100,000 to £40 million, and development facilities can be larger. The minimum loan we can consider is £25,001, and all lending must be secured on UK land or property. For larger bridging requirements, we can gear facilities by committing capital alongside selected lending partners.
Bridging is available up to 85% loan-to-value (LTV), meaning the lender will advance up to 85% of the property’s value. On a property worth £1,000,000, that is a maximum loan of £850,000. Development finance is usually measured against gross development value (LTGDV) or total costs instead. LTV is always based on the lender’s independent valuation, so the loan can change if the valuation differs from your estimate.
Important to note: you will often see headline claims of up to 90% or even 100% loan-to-value. In reality, leverage at those levels is usually only achievable with additional property offered as security. Talk to us. We know the market and its credible lenders, we stay ahead of changing market conditions, and we will talk you through the best options for your circumstances clearly.
Bridging rates start from 0.39% per month for full-status borrowers and from 0.9% per month for non-status borrowers. Development finance is priced annually, from around 8.35% per annum for senior debt. Your rate will depend on:
All lending is subject to status, valuation and lender approval. Rates correct as at 2026.
Yes. We arrange finance for borrowers across the full range of credit profiles, from high status to non-status and adverse credit. Bridging lenders focus mainly on the security and the exit. A weaker credit history therefore tends to affect pricing and leverage more than whether finance is available at all. Tell us about any credit issues at the start. Lenders will find them anyway, and early disclosure lets us place the case properly.
Often, yes. A decline from a bank or mainstream lender usually reflects that lender’s criteria rather than the viability of the deal. Common reasons include unusual property, tight timescales, complex ownership structures and credit history. Specialist lenders assess each case on its merits. Speak to us before making further applications, so we can identify realistic options without adding more searches to your credit file.
Yes. We consider international borrowers, both individuals and companies. The security must be UK property, as we do not arrange finance against assets outside the UK. Overseas borrowers should expect more detailed identity and source-of-funds checks.
In many cases, yes, though no broker can guarantee terms. Lenders respond better to brokers who bring them properly underwritten cases, and we negotiate each case individually rather than accepting the first quote. Because our founder also runs a lender, we know how credit committees think and present cases accordingly. We often know the lenders we deal with personally, which helps the relationship on both sides. Combined with no broker fee on Core Funding and cashback on completion, this means your net cost is often lower than going direct, with fewer unknown quirks to navigate.
Bridging loans arranged through Churchbridge have completed in as little as four days, with other recent cases completing in nine and twelve days. Timing depends mainly on the valuation and the legal work. That is why we take an active role in instructing the valuer and driving the lender’s legal process. We aim to:
For the first conversation we only need a short outline of the deal, and no documents:
Once you decide to proceed, we will ask you to sign our Engagement Letter and complete identity and anti-money laundering checks. We will then tell you exactly what each lender needs. Typically this is identification, proof of address, an assets and liabilities statement and evidence of your exit.
No. Talking to us involves no credit search. Lenders will usually only run a hard search once both they and you have decided to proceed, and that search may be recorded on your file. To help us place your case, we ask borrowers to send us their latest credit report from CheckMyFile, which brings together the information held by all four major UK credit reference agencies and gives an accurate, up-to-date picture. Because we package cases and target lenders selectively, your file is not exposed to multiple speculative applications.
The exit is how a bridging loan is repaid, usually through sale of the property or refinance onto a longer-term mortgage. It is the most important part of a lender’s assessment. A credible exit improves both the chance of approval and the terms offered. Evidence helps, such as an agent’s sales appraisal or a refinance agreement in principle. If an exit is delayed, interest and extension fees keep accruing, so we test the exit with you before any application is made.
Churchbridge Capital Limited (FRN 1050860) is an Appointed Representative of WSP Capital Ltd (FRN 1040612), which is authorised and regulated by the Financial Conduct Authority. You can check both firms on the Financial Services Register at register.fca.org.uk. Most of the finance we arrange is business-purpose bridging, development and commercial lending, which is unregulated. That means the FCA’s consumer mortgage and credit rules do not apply to it. We confirm the position at the start of every case.
No. Churchbridge sources, structures and negotiates finance, but does not give financial, legal, tax or investment advice. Nothing we say is a personal recommendation. We recommend independent legal advice on the loan documents and any personal guarantee, and independent financial advice on whether the borrowing suits you.
A loan secured on a property that you or a close family member live in is usually a regulated mortgage contract. Churchbridge does not arrange regulated mortgage contracts. If your requirement would be regulated, we will tell you at the outset and can introduce you to an FCA-authorised firm with the right permissions.
Yes. Churchbridge Capital is a member of the National Association of Commercial Finance Brokers (NACFB), the trade body for commercial finance brokers in the UK.
Write to georgew@churchbridgecapital.com, or by post to Churchbridge Capital Limited, 51 Marloes Road, London W8 6LA. We will acknowledge your complaint promptly and handle it under our Complaints Policy, which is available on request. If you remain dissatisfied after our final response, you may be able to refer the complaint to the Financial Ombudsman Service at financial-ombudsman.org.uk. Eligibility depends on who you are, for example individuals and micro-enterprises.
Yes. Much of our business comes from finance brokers, appointed representatives, network members, accountants, solicitors, agents and other advisers. We can work behind the scenes, we protect your client relationship throughout, and we keep you updated at every stage. Introducer fees come out of our own commission, so the borrower pays nothing extra for the introduction, and they are disclosed in our Engagement Letter. Contact our Head of Operations to discuss working together.
We welcome every enquiry. With access to a wide panel of specialist lenders, it is always worth a conversation to see how we can help.
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