Buzz Capital
Specialist LenderBuzz Capital is a specialist property finance lender providing bridging loans and development funding for experienced property investors and developers across England and Wales. The firm combines in-house funding with an agile underwriting process to deliver fast, flexible finance.
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About Buzz Capital
Buzz Capital was established to serve property professionals who need fast, dependable finance from a lender that understands the realities of property investment and development. The firm lends its own capital, enabling quick credit decisions without reliance on external funding committees.
The lender offers bridging loans from £150,000 for acquisitions, refinance, and auction purchases, alongside development finance for refurbishment and conversion projects. Buzz Capital is known for its willingness to look at the bigger picture, considering the overall deal rationale rather than focusing solely on individual tick-box criteria.
Buzz Capital works through intermediaries and has a growing network of broker relationships built on consistent delivery and straightforward dealings. The lender prides itself on being easy to do business with, providing clear terms, rapid communication, and efficient completions.
Lending Focus
Buzz Capital offers mortgage products across 4 categories including Commercial, Bridging, Development and 1 more.
Key Features
- Lends its own capital for faster credit decisions
- Bridging loans from £150k and development finance available
- Big-picture underwriting that considers overall deal rationale
- Development finance with staged drawdowns for refurb and conversion
- Known for being easy to do business with
Pros & Cons
Pros
- In-house funding enables fast decisions without external committees
- Offers both bridging and development finance from one provider
- Pragmatic underwriting that considers the full picture
- Straightforward to deal with — clear terms and rapid communication
Cons
- –Broker-only — no direct consumer applications
- –Minimum loan size of £150k may exclude smaller deals
- –Does not cover Northern Ireland or Scotland
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value and type
- Early Repayment Charge
- No ERC — minimum interest period may apply
- Overpayment Allowance
- No restrictions — can redeem at any time
Mortgage Rates
Rate data coming soon. View rates on Buzz Capital
Application Process
- Processing Time
- 2–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Does Buzz Capital lend its own money?
What is the minimum bridging loan from Buzz Capital?
Does Buzz Capital offer development finance?
How long does it take Buzz Capital to complete a case?
How to Apply
Broker only. Buzz Capital products are available through mortgage brokers. Find a broker with Buzz Capital on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.