Clearwell Capital
Specialist LenderClearwell Capital is a London-based property bridging specialist delivering fast, flexible short-term finance for property investors and developers. The lender is recognised for its speed of decision-making and willingness to consider unusual property types and circumstances.
About Clearwell Capital
Clearwell Capital was founded to fill a gap in the bridging market for a lender that combines genuine speed with flexibility on non-standard cases. Many bridging lenders advertise fast completions but struggle with anything outside their standard criteria. Clearwell was built to handle both straightforward and complex transactions efficiently.
The firm offers first-charge bridging loans for property acquisition, auction completion, refinance, and capital-raise, secured against residential, semi-commercial, and commercial assets across England and Wales. Clearwell Capital has experience with properties including mixed-use buildings, conversions, period properties, and assets requiring light refurbishment.
Clearwell Capital is broker-only and has built strong relationships with intermediaries who specialise in complex and non-standard cases. The lender's credit team has deep property sector experience and takes a practical view on each application, focusing on the viability of the exit strategy and the quality of the underlying security.
Lending Focus
Clearwell Capital offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Fast decision-making on both standard and complex cases
- Considers unusual property types including mixed-use and conversions
- First-charge bridging on residential, semi-commercial, and commercial assets
- Practical underwriting focused on exit strategy and security quality
- Experienced credit team with deep property sector knowledge
Pros & Cons
Pros
- Genuine speed combined with flexibility on non-standard cases
- Experienced with unusual and complex property types
- Practical, exit-focused approach to underwriting
- Strong relationships with specialist intermediaries
Cons
- –Broker-only — no direct applications
- –No development finance offered
- –England and Wales only
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value and type
- Early Repayment Charge
- No ERC — can repay at any time without penalty
- Overpayment Allowance
- No restrictions — early repayment accepted
Mortgage Rates
Rate data coming soon. View rates on Clearwell 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
- 1–3 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 Clearwell Capital lend on non-standard properties?
Yes, Clearwell Capital has experience with a wide range of property types including mixed-use buildings, period properties, conversions, and assets requiring light refurbishment.
How fast can Clearwell Capital make a decision?
Clearwell Capital aims to provide a clear credit decision within 24 to 48 hours of receiving a fully packaged enquiry.
What does Clearwell Capital focus on in underwriting?
The lender focuses primarily on the viability of the exit strategy and the quality of the underlying security, taking a practical view on each application rather than relying on rigid criteria.
Does Clearwell Capital provide development finance?
No, Clearwell Capital specialises in bridging loans. For development finance, an alternative specialist lender would be required.
How to Apply
Broker only. Clearwell Capital products are available through mortgage brokers. Find a broker with Clearwell Capital on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
| Fox Funding | Commercial, Bridging, Development+1 | Specialist | 75% |
| Mercantile Trust | Commercial, Bridging, Limited Company | Specialist | 70% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Commercial Mortgage Advances Rise by 3% in Q3 2026
Commercial mortgage advances have increased by 3% in Q3 2026, indicating a growing market for semi-commercial properties.
Alternative Commercial Mortgages: New Options for Brokers
Alternative Bridging Corporation launches ACM, offering long-term commercial mortgage solutions for brokers and property investors.
Metro Bank’s Specialist Mortgage Lending in the Market
Metro Bank reports a 73% increase in specialist mortgage lending, impacting borrowers and investors in the UK mortgage market.
Semi-Commercial Mortgage Lending Forecast to Exceed £1 Billion
The UK semi-commercial mortgage market is set to exceed £1 billion by 2026, benefiting landlords and investors seeking financing.
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