Ryse Finance
Specialist LenderRyse Finance is a London-based specialist bridging lender offering short-term property loans with an emphasis on speed and broker service. The lender provides competitive bridging solutions for property investors and developers across England and Wales.
About Ryse Finance
Ryse Finance is a specialist bridging lender headquartered in London, providing short-term property finance to investors and developers across England and Wales. The lender was founded to deliver a high-quality bridging experience with an emphasis on speed, competitive pricing, and responsive broker service. Ryse Finance focuses on building long-term relationships with intermediary partners.
Ryse Finance offers first charge bridging loans for property purchases, refinances, and light refurbishment projects. The lender covers both residential and commercial property as security. Ryse Finance has a streamlined application process and experienced underwriters who aim to provide rapid decisions and smooth progression to completion.
Ryse Finance is broker-only and has grown rapidly by delivering a consistent, reliable service to intermediaries. The lender is known for competitive rates and a willingness to work collaboratively with brokers to structure deals that work for all parties. Ryse Finance aims to make bridging as straightforward and transparent as possible.
Lending Focus
Ryse Finance offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- First charge bridging on residential and commercial property
- Competitive rates with transparent pricing
- Streamlined application process for rapid progression
- Collaborative approach to deal structuring with brokers
- Covers England and Wales
Pros & Cons
Pros
- Competitive rates among specialist bridging lenders
- Streamlined process designed for speed and efficiency
- Collaborative approach — works with brokers to structure viable deals
- Growing reputation for consistent, reliable service
Cons
- –Broker-only — no direct access for borrowers
- –No development finance — bridging only
- –Newer entrant with less established track record
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value
- Early Repayment Charge
- No ERC on standard bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Ryse Finance
| 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
What rates does Ryse Finance offer on bridging loans?
Ryse Finance offers competitive rates that vary based on the loan-to-value, property type, and transaction specifics. Contact your broker for a specific quote based on your requirements.
Does Ryse Finance offer development finance?
No, Ryse Finance specialises in bridging finance only. For development funding, a lender with dedicated development finance products would be more appropriate.
Can Ryse Finance help with urgent property purchases?
Yes, Ryse Finance has a streamlined process designed for speed. The lender aims to move quickly from enquiry to completion, making it suitable for urgent purchases and auction transactions.
Does Ryse Finance lend to limited companies?
Yes, Ryse Finance lends to individuals and limited companies, including SPVs set up for property investment purposes.
How to Apply
Broker only. Ryse Finance products are available through mortgage brokers. Find a broker with Ryse Finance 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% |
| Apex Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
| Ascot Bridging | Commercial, Bridging, Limited Company | Specialist | 75% |
Related Articles
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Metro Bank’s Specialist Mortgage Lending in the Market
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