Bluecroft Capital
Specialist LenderBluecroft Capital is a London-based property finance specialist providing bridging loans for residential and commercial acquisitions, refinancing, and capital-raise transactions. The lender combines institutional-grade processes with the agility expected of a specialist short-term lender.
About Bluecroft Capital
Bluecroft Capital was founded by a team with backgrounds in institutional real estate finance and investment banking, bringing institutional-grade rigour to the specialist bridging market. The lender targets the mid-market segment, providing bridging finance for transactions that require both speed and professional execution.
The firm offers first-charge bridging loans typically ranging from £250,000 to £10 million, secured against residential and commercial properties in England and Wales. Bluecroft Capital is particularly well-suited to professional investors and family offices undertaking acquisitions, portfolio restructuring, or capital-raise transactions.
Bluecroft Capital operates through intermediaries and has established relationships with prominent specialist finance brokers. The lender's institutional heritage means that documentation, risk assessment, and legal processes are handled to a high standard, which can provide comfort to borrowers who are accustomed to working with larger financial institutions.
Lending Focus
Bluecroft Capital offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Institutional-grade processes applied to specialist bridging
- Mid-market focus with loans typically from £250k to £10m
- Strong fit for professional investors and family offices
- Experienced team with backgrounds in institutional real estate finance
- High-quality documentation and legal processes
Pros & Cons
Pros
- Institutional-quality processes provide certainty and professionalism
- Well-suited to larger, more complex mid-market transactions
- Experienced team with deep real estate finance knowledge
- Reliable execution valued by professional intermediaries
Cons
- –Minimum loan size of £250k excludes smaller transactions
- –Broker-only — no direct applications
- –Maximum LTV of 70% is lower than some competitors
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — instructed from approved panel
- Early Repayment Charge
- No ERC — minimum interest period of 3 months
- Overpayment Allowance
- No restrictions — can repay after minimum period
Mortgage Rates
Rate data coming soon. View rates on Bluecroft Capital
| Product | Initial Rate | Type | Initial Term | Revert Rate |
|---|---|---|---|---|
| 2 Year Fixed | TBC | Fixed | 24 months | TBC |
| 5 Year Fixed | TBC | Fixed | 60 months | TBC |
| Tracker | TBC | Variable | 24 months | TBC |
Application Process
- Processing Time
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks
Lending Criteria
- Maximum LTV
- 70%
Frequently Asked Questions
What is the minimum loan size from Bluecroft Capital?
Bluecroft Capital typically provides bridging loans from £250,000, positioning it as a mid-market lender for professional property transactions.
Who is Bluecroft Capital best suited for?
The lender is best suited to professional investors, family offices, and experienced property professionals who need reliable, well-structured bridging finance for mid-to-large transactions.
Does Bluecroft Capital offer development finance?
No, Bluecroft Capital focuses on bridging loans for acquisition, refinance, and capital-raise purposes. For development finance, an alternative lender would be needed.
What is the maximum LTV from Bluecroft Capital?
Bluecroft Capital typically lends up to 70% LTV, reflecting its institutional risk appetite and focus on quality transactions.
How to Apply
Broker only. Bluecroft Capital products are available through mortgage brokers. Find a broker with Bluecroft Capital on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Alternative Bridging Corporation | Commercial, Bridging, Adverse Credit+2 | Specialist | 70% |
| Apex Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
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