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.
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
| 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
What does Hana Capital focus on when assessing a bridging loan?
Hana Capital focuses on three core elements: the quality and value of the security property, the strength and credibility of the exit strategy, and the experience of the borrower in property investment.
What loan terms does Hana Capital offer?
Hana Capital provides bridging loans with terms from 1 to 18 months, with the specific term agreed based on the planned exit route and borrower requirements.
Does Hana Capital lend to limited companies?
Yes, Hana Capital lends to limited companies, SPVs, and individual borrowers, with the lending structure determined by the nature of the transaction.
How fast are Hana Capital's lending decisions?
Hana Capital prides itself on quick, decisive responses and typically provides initial feedback within 24 hours of receiving a complete enquiry from an intermediary.
How to Apply
Broker only. Hana Capital products are available through mortgage brokers. Find a broker with Hana 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% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
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Metro Bank’s Specialist Mortgage Lending in the Market
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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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