Sancus Lending
Specialist LenderSancus Lending is an international property finance provider offering bridging and development loans across the UK, Jersey, Guernsey, Gibraltar, and Hong Kong. Their multi-jurisdictional reach and institutional funding lines make them a distinctive choice for borrowers with cross-border or complex property transactions.
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About Sancus Lending
Sancus Lending is an international property finance provider offering bridging and development loans across multiple jurisdictions. The lender operates in the UK, Jersey, Guernsey, Gibraltar, and Hong Kong. Sancus's multi-jurisdictional reach and institutional funding lines make them a distinctive choice for borrowers with cross-border or complex property transactions.
Sancus has developed expertise in lending across different legal and regulatory environments. The lender serves property investors and developers with international connections or complex structures. Sancus offers both bridging and development finance.
Sancus Lending works through intermediaries and has built a reputation for handling complex, cross-border transactions. The lender is regulated in the jurisdictions in which it operates. Sancus brings institutional funding to the specialist property finance market.
Lending Focus
Sancus Lending offers mortgage products across 5 categories including Bridging, Development, Expat and 2 more.
Key Features
- Multi-jurisdictional lending across UK and Crown Dependencies
- Bridging loans from £250k to £15m
- Development finance for ground-up and refurbishment projects
- Cross-border expertise for international borrowers
- Institutional funding providing certainty of completion
Pros & Cons
Pros
- Multi-jurisdictional lending — UK, Jersey, Guernsey, Gibraltar, and Hong Kong
- Accepts expats and foreign nationals where most bridging lenders do not
- Institutional funding lines provide certainty of completion
- Experienced with complex cross-border transactions
Cons
- –Broker-only — no direct access for borrowers
- –Lower maximum LTV of 70% compared to peers
- –Higher minimum loan of £250k excludes smaller deals
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value and jurisdiction — quoted at application
- Early Repayment Charge
- No ERC on standard bridging — minimum interest period may apply
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Sancus Lending
| 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
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 70%
Frequently Asked Questions
Can foreign nationals get a bridging loan from Sancus Lending?
Where does Sancus Lending operate?
What is the maximum LTV on Sancus bridging loans?
Does Sancus Lending offer development finance?
How to Apply
Broker only. Sancus Lending products are available through mortgage brokers. Find a broker with Sancus Lending 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.