Bridging finance
Short-term funding on residential or commercial property, in days rather than months. Auctions, broken chains, deadlines - and refurbishment works, released in stages against the end value.
Lunaris Finance
Specialist finance solutions for real estate
Funding on residential and commercial property for landlords, developers and investors - from a straightforward bridge to a facility no high-street lender will look at.
£100k – £50m
Facility range
100+
Lenders and private funders
From 7 days
Enquiry to completion
Solutions
What we arrange
Residential, commercial and mixed-use property throughout the UK, from a single unit to a whole apartment block.
Residential investment
Houses, flats and whole apartment blocks, held personally or through a company. Blocks on one freehold title are a specialism - they are valued and stressed differently, and fewer lenders will take them.
Development finance & exit
Ground-up schemes and apartment blocks funded in stages against a monitored build programme, then refinanced onto cheaper money once built.
Commercial & semi-commercial
Offices, retail, industrial, mixed-use and flats above shops, on terms that reflect the tenancy and the covenant.
We arrange finance on property held for investment, refurbishment or development. Lending on a property you live in yourself is FCA-regulated and falls outside what we do - we will say so at the outset and point you to a firm regulated to arrange it.
48 hours
Average time to a decision in principle.
£250m
Of loans completed.
10+
Years of experience.
Our approach
The right lender, not the nearest one
The difference between a good deal and an expensive one is knowing which of a hundred funders fits the case - and going to them properly prepared.
Whole of market
Banks, specialist lenders, debt funds, family offices and private capital - including funders reached only through a broker.
Built for complexity
Adverse credit, unusual security, offshore structures, part-built schemes, tight deadlines. Most of what we do.
One point of contact
You deal with the person placing your case, from first call to drawdown. No call centre, no handover.
Straight answers
We tell you what is achievable before you spend anything on it - including when the answer is no.
No fee to you
We are paid by the lender on completion. There is no broker fee, no application fee, and nothing to pay if the case does not complete.
Process
How it works
Tell us about the deal
A short call or a few lines by email. The asset, the amount, the timescale, and how the loan gets repaid.
We give you a view
Within one working day: fundable or not, indicative terms, and what would improve them. No cost, no credit search.
We approach the market
On your instruction, we go to the funders whose appetite fits - case prepared, their questions already answered.
Through to completion
We run the valuation, the solicitors and the lender’s conditions to a set timetable. Most hold-ups happen in the legal work rather than the lending decision, so that is where we concentrate.
Tell us about your deal
A written view within one working day, at no cost - including when the answer is no.