Westwood Capital Finance
Specialist LenderWestwood Capital Finance is a London-based bridging lender offering short-term property loans for residential and commercial assets. The lender provides flexible bridging solutions with a focus on experienced property professionals and complex transactions.
About Westwood Capital Finance
Westwood Capital Finance is a specialist bridging lender headquartered in London, providing short-term property finance for experienced investors and developers across England and Wales. The lender was founded by professionals with backgrounds in property investment and finance, bringing an investor's perspective to the lending process. Westwood Capital Finance understands the needs of property professionals because its team comes from the same industry.
Westwood Capital Finance offers first charge bridging loans for acquisitions, refinances, chain breaks, and refurbishment projects. The lender covers both residential and commercial property and is comfortable with complex transactions that require creative structuring. Westwood Capital Finance's underwriting team evaluates deals pragmatically, focusing on the quality of the asset and the viability of the exit strategy.
Westwood Capital Finance operates through broker partners and has built a strong reputation for understanding the property investor's perspective. The lender is known for being straightforward and pragmatic in its approach, providing honest assessments and realistic timescales from the outset.
Lending Focus
Westwood Capital Finance offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Bridging lender with an investor-led perspective
- First charge lending on residential and commercial property
- Comfortable with complex transactions requiring creative structuring
- Honest, upfront assessments with realistic timescales
- Pragmatic underwriting focused on asset quality and exit viability
Pros & Cons
Pros
- Investor-led perspective — understands the property professional's needs
- Comfortable with complex, creatively structured transactions
- Honest, transparent approach with realistic assessments
- Pragmatic underwriting focused on asset and exit quality
Cons
- –Broker-only — no direct access for borrowers
- –No development finance — bridging only
- –May favour experienced investors over less experienced borrowers
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — arranged at application stage
- 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 Westwood Capital 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
- 2–3 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 does investor-led perspective mean at Westwood Capital Finance?
Westwood Capital Finance was founded by professionals with property investment and finance backgrounds. This means their team understands the challenges and priorities of property investors from first-hand experience.
Does Westwood Capital Finance handle complex transactions?
Yes, Westwood Capital Finance is comfortable with complex transactions that may require creative structuring, including multi-property deals, mixed-use assets, and non-standard scenarios.
What is the maximum LTV for Westwood Capital Finance?
Westwood Capital Finance typically lends up to 75% LTV on bridging loans, subject to the property type, location, and overall transaction quality.
How quickly can Westwood Capital Finance complete?
Westwood Capital Finance aims to complete bridging loans within 2 to 3 weeks from application, providing honest timescale estimates from the outset.
How to Apply
Broker only. Westwood Capital Finance products are available through mortgage brokers. Find a broker with Westwood Capital Finance on their panel.
Similar Lenders
View all lenders| Name | Niches | Type | Max LTV |
|---|---|---|---|
| 4SYTE | Commercial, Bridging, Limited Company | Specialist | 75% |
| Clearwell Capital | Commercial, Bridging, Limited Company | Specialist | 75% |
| Close Brothers Property Finance | Commercial, Bridging, Development+1 | Specialist | 60% |
| Fox Funding | Commercial, Bridging, Development+1 | Specialist | 75% |
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