Stream Bank
Specialist LenderStream Bank (formerly Stream Capital) is a London-based property finance provider offering bridging loans and short-term lending for residential and commercial assets. The lender combines banking-level governance with specialist lending agility to deliver reliable property finance.
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About Stream Bank
Stream Bank, formerly known as Stream Capital, is a specialist property finance provider headquartered in London. The lender rebranded to reflect its evolution and growing ambitions in the property finance market. Stream Bank offers bridging loans and short-term lending for residential and commercial property across England and Wales, combining the governance and stability associated with a banking structure with the speed and flexibility of specialist lending.
Stream Bank provides first charge bridging loans for acquisitions, refinances, and refurbishment projects. The lender serves experienced property investors and developers who value certainty of execution and professional service. Stream Bank's underwriting team takes a balanced approach, assessing the commercial merits of each transaction while maintaining robust risk management standards.
Stream Bank operates through broker partners and has built a reputation for professionalism and reliability in the bridging market. The lender's banking heritage means borrowers and brokers can expect a well-governed, transparent lending process. Stream Bank continues to grow its presence in the specialist property finance sector.
Lending Focus
Stream Bank offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Bridging loans with banking-level governance and oversight
- First charge lending on residential and commercial property
- Formerly Stream Capital — rebranded to reflect banking ambitions
- Balanced underwriting combining commercial assessment with risk management
- Professional, transparent lending process
Pros & Cons
Pros
- Banking-level governance provides confidence and stability
- Professional, transparent process from enquiry to completion
- Balanced underwriting — commercial yet well-governed
- Growing reputation in the specialist property finance market
Cons
- –Broker-only — no direct applications from borrowers
- –Banking governance may slow process compared to pure private lenders
- –No development finance or longer-term mortgage products
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — arranged through approved panel
- Early Repayment Charge
- No ERC — interest charged on full term or minimum period
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Stream Bank
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
- 75%
Frequently Asked Questions
Is Stream Bank the same as Stream Capital?
What does banking-level governance mean for borrowers?
What property types does Stream Bank lend against?
How quickly can Stream Bank complete a bridging loan?
How to Apply
Broker only. Stream Bank products are available through mortgage brokers. Find a broker with Stream Bank 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.