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The home of specialist lending

We are a leading provider of specialist lending and regulated residential mortgage products

Since joining the Enra Group, we have transformed from a small privately funded bridging lender into a diverse, institutionally backed specialist mortgage lender that originates £1bn of loans per annum. Intermediaries and borrowers trust us because the certainty of finance, our speed and their access to decision makers.

The UK’s fastest-growing specialist lender

Building on the foundations of our highly successful bridging finance service, we extended our product range in January 2017 to include Second Charge mortgages for both residential and Buy-to-Let borrowers. This portfolio of products coupled with our industry expertise leadership saw us become the UK's fastest-growing second charge lender.

In order to support our clients and drive the market forward, we launched our range of Buy-to-Let mortgages in January 2019 ensuring that we now have a full range of market-leading products for our brokers and partners.

Dedicated experts

Besides offering some of the most competitive lending rates in today’s market, our superfast online platform offers bespoke technological solutions to support swift decisions, as well as reducing processing times to speed up the completion process. We have a dedicated team of experts on hand to support brokers, property professionals and borrowers who have more complex circumstances, and who might benefit from a more personalised approach to find a solution that best fits their needs.

We are committed to offering the highest levels of service to our clients, brokers and partners and our dedication to our products and commitment to the market has seen our team win several industry and trade awards.

Market Leading Specialist Finance Products

With the perfect blend of modern technology and a personal approach to underwriting from our in-house team, we deliver a first-class service for you and your clients.

Bridging Loans

Highly competitive rates and a personal and pragmatic service delivers rapid turnarounds to get a project or purchase safely over the line

Buy-to-Let Mortgages

Including a range of both standard and specialist buy to let products

Development Finance

Specialist loans for property development and funding building projects

Second Charge Mortgages

Diverse portfolio available for both residential and Buy-to-Let clients

  • Residential bridging
  • Unregulated residential bridging loans
  • Commercial bridging loans

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  • £50k to £2m loan sizes
  • Terms from 5 to 30 years
  • Specialist underwriting on all applications
  • Faster completions and reduced legal fees for standard property remortgages up to £750k
  • Flexible approach for portfolio landlords
  • No credit-scoring – underwriting based on credit assessment
  • No additional interest loadings for limited companies

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  • £1m to £7.5m loan sizes
  • Initial loan-to-value up to 70%
  • Loan-to-cost up to 85%
  • Loan-to-GDV up to 65%
  • Up to 100% of build costs
  • Terms up to 24 months
  • 30 units or less of up to £1.5m value per unit

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Why choose a second charge mortgage?

A second charge mortgage can be used for a variety of loan purposes. If your client needs to raise extra cash for a specific reason, without disturbing their existing mortgage arrangements, it can be the ideal choice.

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Leading the Market

Originates £1bn of specialist mortgages per annum

Enviable credit risk record

FCA regulated (for regulated activities)

Memberships include ASTL, FIBA, FLA and NACFB

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Market Leading Specialist Finance

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Enterprise Finance

Specialist property finance that delivers

Established in 2002 and the founding brand within Enra, Enterprise Finance are an experienced specialist finance distributor with an industry reputation for delivering fast and effective results for their clients. The team are dedicated to cutting out the complexity of complex cases and connecting intermediaries and their clients to the most competitive solutions on the market.

Services include

  • Bridging Finance
  • Second Charge Mortgages
  • Development Finance
  • Complex Buy-to-Let mortgages
  • Commercial Mortgages
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Services include:

  • Bridging Finance
  • Complex Buy-to-Let
  • Second Charge Mortgages
  • Development Finance
  • Commercial Mortgages
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