Reward Finance Group
Specialist LenderReward Finance Group is a Leeds-based specialist lender offering bridging finance and commercial lending to businesses and property investors. The lender provides flexible short-term funding with a strong presence in the northern and midlands markets.
About Reward Finance Group
Reward Finance Group is a specialist lender headquartered in Leeds, providing bridging finance and commercial lending to businesses and property investors across the UK. The lender was founded to offer flexible funding solutions for SMEs and property professionals in need of fast, pragmatic finance. Reward Finance Group has a strong presence in the northern and midlands markets, though it lends nationally.
Reward Finance Group offers bridging loans for property transactions alongside commercial lending products for businesses requiring working capital or growth funding. The lender takes a flexible, common-sense approach to underwriting, assessing each deal on its individual merits. Reward Finance Group is experienced with a wide range of commercial and property scenarios.
Reward Finance Group operates through both direct enquiries and broker-introduced cases. The lender has built a strong reputation in the regional business and property community for reliability, speed, and a personal approach. Reward Finance Group's Leeds base gives it a deep understanding of northern property and business dynamics.
Lending Focus
Reward Finance Group offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Bridging finance and commercial lending from one provider
- Leeds-based with strong northern and midlands market knowledge
- Flexible underwriting with common-sense approach
- Accepts both direct and broker-introduced enquiries
- Serves SMEs and property investors nationally
Pros & Cons
Pros
- Dual offering of bridging and commercial lending in one place
- Strong regional presence with deep northern market understanding
- Accepts direct applications as well as broker referrals
- Common-sense underwriting focused on deal merits
Cons
- –Maximum LTV of 70% is conservative for some borrowers
- –No development finance for ground-up projects
- –Primary focus is commercial — limited pure residential bridging
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — quoted at application stage
- Early Repayment Charge
- No ERC on most bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Reward Finance Group
| 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
- 2–4 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks from date of offer
Lending Criteria
- Maximum LTV
- 70%
Frequently Asked Questions
Does Reward Finance Group only lend in the north of England?
No, Reward Finance Group lends nationally across the UK. While headquartered in Leeds with a strong northern presence, they serve businesses and property investors throughout England, Wales, and Scotland.
Can I apply directly to Reward Finance Group?
Yes, Reward Finance Group accepts both direct enquiries from borrowers and broker-introduced cases, making them more accessible than many specialist lenders.
Does Reward Finance Group offer commercial loans as well as bridging?
Yes, Reward Finance Group provides commercial lending products for businesses alongside their bridging finance, covering working capital, growth funding, and asset-backed lending.
How quickly can Reward Finance Group provide bridging finance?
Reward Finance Group aims to provide bridging finance within 2 to 4 weeks from application, depending on the complexity of the transaction and due diligence requirements.
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| CrowdProperty | Commercial, Bridging, Development+1 | Specialist | 75% |
| Kuflink | Commercial, Bridging, Development+1 | Specialist | 75% |
| Octopus Real Estate | Buy-to-Let, Commercial, Bridging+3 | Specialist | 75% |
| Ultimate Finance | Commercial, Bridging, Limited Company | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
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Alternative Commercial Mortgages: New Options for Brokers
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Metro Bank’s Specialist Mortgage Lending in the Market
Metro Bank reports a 73% increase in specialist mortgage lending, impacting borrowers and investors in the UK mortgage market.
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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