United Trust Bank
Specialist LenderUnited Trust Bank is a long-established specialist lender providing bridging finance, development funding, buy-to-let mortgages, and second-charge loans. With decades of experience, UTB combines traditional banking relationships with a flexible, case-by-case approach to complex lending scenarios.
About United Trust Bank
United Trust Bank was established in 1955 and has over 65 years of lending experience. The bank has its headquarters in London and has grown to become a significant player in the specialist finance market. UTB combines traditional banking relationships with a flexible, case-by-case approach to complex lending scenarios.
UTB offers bridging finance, development funding, buy-to-let mortgages, and second-charge loans. The bank is known for rapid decision-making with an experienced credit team. UTB serves property investors and developers through intermediaries, with a reputation for reliability and speed of execution.
United Trust Bank is broker-only and works with property finance intermediaries across the UK. The bank has built long-standing relationships with brokers and is known for flexible terms on larger and more complex transactions. UTB is regulated by the FCA and PRA.
Lending Focus
United Trust Bank offers mortgage products across 5 categories including Buy-to-Let, Bridging, Development and 2 more.
Key Features
- Bridging loans from £150k with flexible terms
- Development finance for ground-up and refurbishment projects
- Second-charge lending for additional capital requirements
- Rapid decision-making with experienced credit team
- BTL products for professional landlords
Pros & Cons
Pros
- Over 60 years of lending experience and market knowledge
- Rapid decision-making with experienced credit team
- Offers bridging, development, BTL, and second-charge in one place
- Flexible terms on larger and more complex transactions
Cons
- –Broker-only — not accessible directly
- –Higher minimum loan size of £150k limits smaller deals
- –Does not accept contractor income
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — instructed upon application
- Early Repayment Charge
- No ERC — interest is typically charged for a minimum period of 3 months
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on United Trust Bank
| 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
- 2–3 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
What is the minimum bridging loan amount with United Trust Bank?
United Trust Bank offers bridging loans from £150,000, which is higher than some competitors, making it better suited to mid-to-large transactions.
Does United Trust Bank lend for development projects?
Yes, UTB provides development finance for both ground-up construction and refurbishment projects with staged drawdowns.
Can I get a second-charge bridging loan from UTB?
Yes, United Trust Bank offers second-charge lending for borrowers who need additional capital against existing property assets.
How long does UTB take to complete a bridging loan?
UTB is known for fast turnarounds, typically completing bridging loans within 2 to 3 weeks depending on case complexity.
How to Apply
Broker only. United Trust Bank products are available through mortgage brokers. Find a broker with United Trust Bank on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| Roma Finance | Bridging, Development, Limited Company+1 | Specialist | 75% |
| Octopus Real Estate | Buy-to-Let, Commercial, Bridging+3 | Specialist | 75% |
| Albatross Capital | Commercial, Bridging, Development+1 | Specialist | 75% |
| Aspen Bridging | Bridging, Development, Limited Company | Specialist | 80% |
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