Ultimate Finance
Specialist LenderUltimate Finance is a London-based specialist lender offering bridging finance and commercial lending for property investors and businesses. The lender provides a range of short-term funding solutions with a focus on flexibility and responsive service.
About Ultimate Finance
Ultimate Finance is a specialist lender headquartered in London, providing bridging finance and commercial lending for property investors and businesses across the UK. The lender was established to offer a comprehensive range of short-term funding solutions under one roof. Ultimate Finance serves both the property and business lending markets, making it a versatile funding partner.
Ultimate Finance offers bridging loans for property acquisitions, refinances, and refurbishment projects, alongside invoice finance, asset-based lending, and other commercial products. The lender takes a flexible approach to underwriting and is known for its ability to structure creative funding solutions for complex scenarios. Ultimate Finance covers both residential and commercial property security.
Ultimate Finance works through broker partners and direct enquiries, maintaining a strong presence in the intermediary community. The lender has built a reputation for responsiveness and a willingness to find solutions where other lenders may decline. Ultimate Finance continues to expand its product range and lending capacity.
Lending Focus
Ultimate Finance offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Bridging finance and commercial lending from one provider
- Flexible underwriting with creative structuring capability
- Accepts both direct and broker-introduced enquiries
- Covers residential and commercial property security
- Additional commercial products including invoice and asset finance
Pros & Cons
Pros
- Versatile lender covering bridging and commercial finance needs
- Creative approach to structuring complex funding solutions
- Accepts direct applications as well as broker referrals
- Responsive service with a willingness to find solutions
Cons
- –Breadth of products may mean less bridging-specific focus than pure specialists
- –No development finance for ground-up projects
- –Rates may be higher than lenders with a narrower, more competitive bridging focus
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 Ultimate 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
- 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
Does Ultimate Finance only offer bridging loans?
No, Ultimate Finance provides a range of funding solutions including bridging finance, invoice finance, asset-based lending, and other commercial products, making them a versatile funding partner.
Can I apply directly to Ultimate Finance?
Yes, Ultimate Finance accepts both direct enquiries from borrowers and broker-introduced cases, providing flexibility in how you access their products.
Does Ultimate Finance lend on commercial property?
Yes, Ultimate Finance provides bridging finance secured against both residential and commercial property, including offices, retail units, and industrial premises.
How quickly can Ultimate Finance complete a bridging loan?
Ultimate Finance typically completes bridging loans within 2 to 4 weeks from application, depending on the complexity of the transaction and third-party turnaround times.
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% |
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
Related Articles
Practical guides and explainers from our blog — relevant to this mortgage type.
Commercial Mortgage Advances Rise by 3% in Q3 2026
Commercial mortgage advances have increased by 3% in Q3 2026, indicating a growing market for semi-commercial properties.
Alternative Commercial Mortgages: New Options for Brokers
Alternative Bridging Corporation launches ACM, offering long-term commercial mortgage solutions for brokers and property investors.
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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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.
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