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.
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?
Hope Capital is headquartered in Liverpool but lends nationwide across England and Wales.
What is the maximum bridging loan from Hope Capital?
Hope Capital offers bridging loans from £100,000 up to £5 million on residential and commercial property.
Does Hope Capital offer development finance?
Yes, Hope Capital provides refurbishment and light development finance alongside their core bridging loan products.
How does Hope Capital differ from larger bridging lenders?
Hope Capital takes a relationship-driven approach, assigning named contacts and tailoring terms to each deal rather than applying rigid criteria, which can benefit borrowers with complex requirements.
How to Apply
Broker only. Hope Capital products are available through mortgage brokers. Find a broker with Hope Capital on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Aspen Bridging | Bridging, Development, Limited Company | Specialist | 80% |
| Atelier Finance | Commercial, Bridging, Development+1 | Specialist | 70% |
| BIG Property Finance | Commercial, Bridging, Development+1 | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
MFS Collapse Triggers Caution in Bridging Finance
The collapse of MFS has raised concerns in the bridging finance sector, prompting lenders to reassess funding strategies.
Somo Provides Second Charge Bridge to Assist Landlords
Somo has provided a second charge bridge to assist landlords with arrears, allowing them to use property equity without redeeming first charges.
Nivo Launches AI Case Management for Bridging Finance
Nivo has launched Lender Collect, an AI case management service for bridging finance, streamlining the application process for lenders and brokers.
Bridging Finance: 85% of Offers Now Fixed Rate
Octane Capital reports that 85% of its bridging finance offers are now fixed-rate, indicating a strong demand for stability among borrowers.
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