Hana Capital
Specialist LenderHana Capital is a bridging specialist based in London, focused on providing fast, reliable short-term property finance for experienced investors. The lender takes a straightforward approach to lending, minimising complexity and focusing on what matters most: the security and the exit strategy.
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About Hana Capital
Hana Capital was established by a team of lending professionals who wanted to strip away the complexity that often characterises the bridging market. The lender focuses on the fundamentals of each deal — the quality of the property, the strength of the exit strategy, and the experience of the borrower — rather than getting bogged down in peripheral criteria.
The firm provides first-charge bridging loans for property acquisition, refinance, and capital-raise transactions, secured against residential and commercial properties across England and Wales. Hana Capital offers terms from 1 to 18 months and typically serves experienced property investors and landlords who understand short-term finance.
Hana Capital works through intermediaries and has earned a reputation for decisive, straightforward service. The lender makes quick decisions and communicates them clearly, avoiding the ambiguity and delays that can frustrate brokers and borrowers in the bridging market.
Lending Focus
Hana Capital offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Straightforward approach focused on security and exit strategy
- Quick, decisive lending decisions with clear communication
- Terms from 1 to 18 months on residential and commercial assets
- Minimises complexity in the application and underwriting process
- Serves experienced property investors and landlords
Pros & Cons
Pros
- Quick and decisive — provides clear answers without ambiguity
- Focuses on deal fundamentals rather than peripheral criteria
- Straightforward process that minimises unnecessary complexity
- Good communication throughout the loan lifecycle
Cons
- –Broker-only — no direct borrower access
- –No development finance available
- –Focused on experienced investors — less suited to first-time borrowers
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value
- Early Repayment Charge
- No ERC — can redeem at any time
- Overpayment Allowance
- No restrictions — early repayment accepted
Mortgage Rates
Rate data coming soon. View rates on Hana Capital
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
What does Hana Capital focus on when assessing a bridging loan?
What loan terms does Hana Capital offer?
Does Hana Capital lend to limited companies?
How fast are Hana Capital's lending decisions?
How to Apply
Broker only. Hana Capital products are available through mortgage brokers. Find a broker with Hana 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.