AB Mortgages refers all commercial finance, bridging and development enquiries to our sister company, AB Specialist Finance (ABSF). Same office, same team, different regulatory permissions. Faster decisions, specialist lenders, no high-street bottleneck.
Banks that lend happily to PAYE homeowners reject SPV purchases, commercial refurbs and anything time-sensitive, usually without explanation.
Commercial applications ask for ten kinds of documentation at once, no clear running order, no sense of what actually matters to the decision.
Traditional lenders measure decisions in weeks. Auctions, chain breaks and completion deadlines measure in days.
Over 100 lenders across bridging, commercial, development and specialist investment finance. Terms shaped around your project, not a rigid calculator.
A single clear list up front, lender-specific, so you submit what's actually needed on the first round.
Bridging terms within 24 to 48 hours. Commercial and development indicative terms within the week, subject to valuation and legal readiness.
A one-paragraph outline of what you're doing, your timeline, the site or property, and whether planning is in place.
Deposit or equity available, existing facilities in place, and your experience with similar projects.
Loan size, target terms, and your exit strategy, whether that's sale, refinance or long-term hold.
Chains only move as fast as their slowest link. Our senior team makes sure the mortgage is never that link, with direct contact to your solicitor and agents throughout.
Regulation. AB Mortgages is authorised to advise on regulated residential mortgages and protection. ABSF handles non-regulated finance: bridging, commercial, development and specialist lending. Both businesses sit under the same operational team, just different regulatory permissions.
Indicative terms can be issued within 24 to 48 hours. Full completion typically takes 2 to 4 weeks, subject to valuation and solicitor availability. Straightforward cases close faster.
Most development products start at £150,000, with single-unit projects accepted. Larger SME schemes up to £5 million and beyond are routine.
Yes. Terms improve with track record, but first-time developers are financed where the project fundamentals are strong and the build team has experience.
ABSF is an Appointed Representative of Connect IFA Ltd (FCA 441505) for the purposes of arranging finance. The products themselves (bridging, commercial, development) are non-regulated finance and sit outside the consumer mortgage remit.
Tell us about your project and we'll come back with indicative terms. Bridging usually within 24 to 48 hours.
A commitment to regulation, professional development, and the highest standards of client protection within the specialist lending market.
