Hope Capital
Specialist LenderHope Capital is a Liverpool-based specialist bridging and development finance provider known for a relationship-driven approach. Their experienced team offers tailored short-term lending solutions with a focus on understanding individual deal requirements rather than applying rigid criteria.
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About Hope Capital
Hope Capital is a Liverpool-based specialist bridging and development finance provider. The lender is known for a relationship-driven approach, with an experienced team that offers tailored short-term lending solutions. Hope Capital focuses on understanding individual deal requirements rather than applying rigid criteria.
Hope Capital serves property investors and developers through intermediaries. The lender has built a reputation for flexibility and a willingness to consider complex or unusual transactions. Hope Capital's team brings experience from across the property finance industry.
Hope Capital is broker-only and works with property finance intermediaries across the UK. The lender is regulated by the FCA and has its headquarters in Liverpool. Hope Capital has grown steadily in the bridging and development finance market.
Lending Focus
Hope Capital offers mortgage products across 3 categories including Bridging, Development, Limited Company.
Key Features
- Bridging loans from £100k to £5m
- Refurbishment and light development finance
- Relationship-led underwriting with bespoke terms
- North-West based with nationwide lending coverage
- Responsive broker support with named contacts
Pros & Cons
Pros
- Relationship-led approach with bespoke terms for every deal
- Named broker contacts for personal, consistent service
- Nationwide lending coverage from North-West base
- Flexible underwriting tailored to individual deal requirements
Cons
- –Broker-only — not available direct to borrowers
- –Maximum loan of £5m — may not suit very large transactions
- –Smaller lender with less market presence than larger peers
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — quoted at application
- Early Repayment Charge
- No ERC — can repay without penalty
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Hope 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
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Where is Hope Capital based?
What is the maximum bridging loan from Hope Capital?
Does Hope Capital offer development finance?
How does Hope Capital differ from larger bridging lenders?
How to Apply
Broker only. Hope Capital products are available through mortgage brokers. Find a broker with Hope 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.