Henley Finance Limited is a UK specialist lender focused on short-term property finance, including bridging, refurbishment, and development loans. Established in 2013, it primarily serves experienced investors, developers, and landlords with secured property lending up to £10 million. Although authorised by the Financial Conduct Authority for some mortgage activities, its core operations are in unregulated bridging finance. More details on bridging loans and bridge loans may help understand their products.
Key Features of Henley Finance Limited
Henley Finance offers a range of practical features designed for flexibility and speed in property-backed lending.
- Direct lender with discretionary funding lines for fast credit decisions, as explained in alternative finance loans.
- Dedicated relationship managers and credit teams facilitate bespoke loan structures and quick responses.
- Flexible interest repayment options including servicing, retention, or rolling, supporting borrower cash flow (see interest rates).
- Capability to arrange second charge, mezzanine, or hybrid financing solutions tailored per case.
- Online document upload portal and experienced panels for valuations, legal work, and monitoring support efficient completions.
Funding Eligibility
You may qualify for Henley Finance funding if you have strong property assets and experience in real estate projects. It accepts borrowers with trading property special purpose vehicles (SPVs) without minimum trading periods, while trading businesses typically need to have operated for 12 months or more. Personal and director guarantees are normally required, detailed in understanding personal guarantees in business loans. Other eligibility considerations include asset security and proof of exit strategy. General lending criteria align with typical loan eligibility requirements.
Loan Options
Henley Finance offers multiple short-term property-backed loan products ranging from £100,000 to £10 million. These are suitable for various stages of property acquisition, development, and refurbishment.
- Standard Bridging Loan: £100,000 to £5,000,000; 3 to 18 months; interest rates 0.65% to 1.20% per month. Available for individuals, companies and offshore entities, capped at 75% loan-to-value. More info at bridging loans.
- Auction Finance: £100,000 to £3,000,000; 1 to 12 months; interest 0.75% to 1.30% monthly; arranged to meet auction deadlines with decisions in hours.
- Refurbishment Bridge (Light/Heavy): £150,000 to £2,500,000; 6 to 18 months; interest 0.70% to 1.30% per month; funds staged refurbishment draws, up to 75% loan-to-GDV on light schemes.
- Ground-Up Development Finance: £500,000 to £10,000,000; 12 to 30 months; annual interest 6.5% to 9.5%; funds land and build costs, requiring proven developer experience. Refer to asset-based lending for context.
- Development Exit Bridge: £250,000 to £5,000,000; 3 to 12 months; interest 0.65% to 1.10% monthly; designed for completed developments to unlock equity for next projects.
- Bridge-to-Let (Transitional Buy-to-Let): £100,000 to £2,000,000; 3 to 18 months; interest 0.70% to 1.10% monthly; supports seasoning rental before longer-term mortgage refinance.
How to Apply
Applying involves an online enquiry or broker submission, followed by electronic document exchange. Expect swift decisions often within 24 to 48 hours and funding within 5 to 10 working days.
- Submit an initial online enquiry or use a broker to access Henley Finance’s offers (online form).
- Provide detailed documents including property details, valuations, company accounts or incorporation papers, personal ID, exit strategy, and refurbishment schedules where applicable.
- Funding and credit assessment typically conclude within 72 hours after full documentation.
- Sign legal agreements post approval; note that valuation and legal processes are currently manual, not fully digital.
Funding Agent's Review
Henley Finance is well suited to experienced property investors and developers needing flexible, rapid short-term funding for UK real estate projects. The lender's focus on secured property finance with personal guarantee requirements and higher interest costs restricts its appeal for mainstream SMEs without property assets. For those with strong real estate collateral and niche financing needs, it offers a broad product suite with professional service. Review further bridge loan options and consult eligibility criteria and business loans guidance prior to application.
