FIDUCIAM
Specialist LenderFIDUCIAM is a specialist commercial bridging lender based in London, providing short-term finance secured against commercial, semi-commercial, and mixed-use property. The lender fills a niche for borrowers who need bridging finance against commercial assets where many residential-focused lenders cannot help.
Visit Website
About FIDUCIAM
FIDUCIAM was established to address the limited options available for short-term finance secured against commercial property. While the UK bridging market has grown significantly, many lenders focus primarily on residential assets, leaving commercial and semi-commercial borrowers underserved. FIDUCIAM was founded to fill this gap.
The lender provides first-charge bridging loans secured against commercial, semi-commercial, and mixed-use properties across England, Wales, and Scotland. Typical security types include offices, retail units, industrial premises, care homes, hotels, and mixed-use assets. FIDUCIAM considers a broad range of commercial property types and assesses each case on its individual merits.
FIDUCIAM works exclusively through intermediaries and has become a go-to lender for brokers seeking commercial bridging solutions. The firm is funded through a blend of institutional capital, enabling it to maintain consistent lending appetite and competitive terms.
Lending Focus
FIDUCIAM offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Specialist commercial bridging lender — focused on commercial assets
- Lends against offices, retail, industrial, care homes, hotels, and mixed-use
- Coverage across England, Wales, and Scotland
- Each case assessed individually with no rigid sector exclusions
- Institutional capital backing for consistent lending capacity
Pros & Cons
Pros
- Genuine specialism in commercial property bridging — rare in the market
- Broad range of acceptable commercial property types
- Coverage includes Scotland alongside England and Wales
- Institutional backing provides reliable funding capacity
Cons
- –Broker-only — no direct applications
- –Maximum LTV of 70% on commercial assets
- –No residential or development lending available
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Commercial valuation — varies by property type and value
- 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 FIDUCIAM
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 types of commercial property does FIDUCIAM lend against?
Does FIDUCIAM lend in Scotland?
What is the maximum LTV for FIDUCIAM commercial bridging?
How is FIDUCIAM different from other bridging lenders?
How to Apply
Broker only. FIDUCIAM products are available through mortgage brokers. Find a broker with FIDUCIAM on their panel.
Similar Lenders
View all lenders
Related Articles
Shawbrook’s IPO: A Major Shift in the UK Mortgage Landscape
Analyzing Shawbrook Bank’s listing the biggest IPO of 2025. Implications for UK’s mortgage market and key players.
Commercial Mortgages: Complete Business Property Finance Guide
Complete guide to commercial mortgages for business property purchases. Learn about types, requirements, and application process.
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.