Institutional Capital. Disciplined Underwriting. Direct Access.
Fortgate Capital focuses exclusively on UK real estate bridging finance. Behind the business are family offices with direct experience in bridge and mezzanine lending. We assess each deal on its own merits. The people who make the credit decisions are the same people who understand the nature of the deal.
About Fortgate
Who We Work With
01
Investors and Developers Across UK Real Estate
Supporting residential and commercial real estate investors and developers through disciplined underwriting you can rely on.
02
Individuals, Companies, SPVs and Trusts
Flexible short-term funding for a range of borrowing structures, assessed around the asset, the transaction, and the exit.
03
Offshore and Overseas Borrowers
We understand sophisticated borrowing structures because when complexity arrises we have seen it all before.
04
Brokers and Professional Introducers
A reliable lending partner that supports credible lending opportunities with certainty of execution.
What We Consider
Property-Backed Lending Across the UK.
Our bridging finance provides flexible funding solutions for a broad range of residential and commercial property requirements, including acquisitions, refurbishment, repositioning, turnaround projects and refinancing.
We lend up to 70% LTV against residential property and up to 65% LTV against commercial property, with both first and second charge structures considered. Terms are available for up to 18 months, with funding available for both single assets and property portfolios across England and Wales.
Product Overview
Loan Products
Residential Loans
£1m–£3m Single Assets
£1m–£6m Portfolios & Blocks
6–18 months, deal dependent. Up to a 3-month extension.
First or Second legal charge.
Up to 70% of the lower of the 180-day value or price. Up to 75% loan-to-purchase-price on selected discounted bulk acquisitions.
New builds, light refurbishments, conversions, HMOs, blocks and rental portfolios, and mixed-use properties with a minimum 50% residential component.
Acquisition, refinance, light refurbishment, development exit and holding.
England and Wales, Prime London within the M25, and major UK cities with populations of 300,000 or more.
From 0.79% per month, retained or serviced monthly.
Personal guarantees, demonstrable cash equity, relevant residential experience, and a minimum EPC C rating or a clear pathway to achieve it following completion of the works.
Commercial Loans
£1m–£3m Single Assets
£1m–£6m Portfolios & Blocks
6–18 months. Up to 3-month extension.
First or Second legal charge.
Up to 60% commercial (180-day vacant possession value). Up to 65% semi-commercial, residential element ≥ 50%.
Office, mixed-use, hotels, hospitality, logistics/warehouses.
Acquisition, refinance, light refurbishment & capex, rolling refurbishment, development holding & stabilisation, PBSA stabilisation.
England & Wales, Prime London within the M25, Major UK cities (300k+).
From 0.97% per month. Retained or serviced monthly.
Personal guarantees. Demonstrable cash equity. Relevant commercial experience. Min EPC C or clear pathway post-works.
Product Overview
Loan Products
Residential Loans
£1m–£3m Single Assets
£1m–£6m Portfolios & Blocks
6–18 months, deal dependent. Up to a 3-month extension.
First or Second legal charge.
Up to 70% of the lower of the 180-day value or price. Up to 75% loan-to-purchase-price on selected discounted bulk acquisitions.
New builds, light refurbishments, conversions, HMOs, blocks and rental portfolios, and mixed-use properties with a minimum 50% residential component.
Acquisition, refinance, light refurbishment, development exit and holding.
England and Wales, Prime London within the M25, and major UK cities with populations of 300,000 or more.
From 0.79% per month, retained or serviced monthly.
Personal guarantees, demonstrable cash equity, relevant residential experience, and a minimum EPC C rating or a clear pathway to achieve it following completion of the works.
Commercial Loans
£1m–£3m Single Assets
£1m–£6m Portfolios & Blocks
6–18 months. Up to 3-month extension.
First or Second legal charge.
Up to 60% commercial (180-day vacant possession value). Up to 65% semi-commercial, residential element ≥ 50%.
Office, mixed-use, hotels, hospitality, logistics/warehouses.
Acquisition, refinance, light refurbishment & capex, rolling refurbishment, development holding & stabilisation, PBSA stabilisation.
England & Wales, Prime London within the M25, Major UK cities (300k+).
From 0.97% per month. Retained or serviced monthly.
Personal guarantees. Demonstrable cash equity. Relevant commercial experience. Min EPC C or clear pathway post-works.
Submit an Enquiry
Please provide a brief overview of your requirement and a member of the Fortgate Capital team will respond as soon as possible.
