Henley Finance Reviews

Henley Finance specializes in providing tailored financial solutions with a focus on customer satisfaction and reliable service, as highlighted in reviews.

Here are the Trustpilot Reviews from Henley Finance:

Here are the Reviews from Henley Finance:

I used Henley Finance to help me fund a building project. The funds came through easily and this was an important part in the success of the project.

I used Henley Finance

Explore Henley Finance's Finance Solutions:

Standard Bridging Loan (1st Charge)

£100,000 – £10,000,000

Auction Finance

£100,000 – £5,000,000

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Explore Henley Finance's Finance Solutions:

Loan Type:

Standard Bridging Loan (1st Charge)

Loan Range:

£100,000 – £10,000,000

Loan Terms:

3 – 18 months

Minimum Turnover and Trading Age:

No trading history required; property SPV or individual investors acceptable

Interest Rate:

0.70% – 1.30% per month (8.4% – 15.6% p.a.)

Fees:

2% arrangement fee; 0–1% exit fee; valuation and legal costs payable by borrower

Loan Type:

Auction Finance

Loan Range:

£100,000 – £5,000,000

Loan Terms:

1 – 12 months

Minimum Turnover and Trading Age:

No trading requirement

Interest Rate:

0.75% – 1.35% per month

Fees:

2% arrangement fee; typically no exit fee if refinanced within agreed timeframe; auction valuation fees fast-tracked

Loan Type:

Light & Heavy Refurbishment Finance

Loan Range:

£100,000 – £7,500,000

Loan Terms:

6 – 18 months

Minimum Turnover and Trading Age:

Evidence of relevant refurbishment experience preferred

Interest Rate:

0.75% – 1.25% per month

Fees:

2% arrangement fee; 1% exit fee if GDV-based facility; monitoring surveyor fees apply

Loan Type:

Property Development Finance (Ground-Up)

Loan Range:

£500,000 – £10,000,000

Loan Terms:

12 – 24 months

Minimum Turnover and Trading Age:

Evidence of 1–2 completed developments or experienced professional team

Interest Rate:

8.50% – 11.50% p.a. rolled (equivalent 0.71% – 0.96% per month)

Fees:

2% arrangement fee; 1% exit fee; monitoring surveyor and QS fees; commitment fee refundable on drawdown

Loan Type:

Developer Exit / Sales Period Bridge

Loan Range:

£250,000 – £7,500,000

Loan Terms:

3 – 12 months

Minimum Turnover and Trading Age:

No specific trading requirement; completed development ready for sale

Interest Rate:

0.65% – 1.10% per month

Fees:

1.5% arrangement fee; usually no exit fee if repaid from sales proceeds

Loan Type:

Second Charge Bridging Loan

Loan Range:

£250,000 – £2,500,000

Loan Terms:

3 – 12 months

Minimum Turnover and Trading Age:

No trading requirement

Interest Rate:

0.90% – 1.50% per month

Fees:

2.5% arrangement fee; 1% exit fee; intercreditor legal fees

More About Henley Finance

Henley Finance, operating as Henley Financial Limited, is a privately funded lender specialising in short-term property finance across England and Wales. Established in 2014, it provides bridging, refurbishment, and development finance targeting professional investors and developers. The lender typically offers quick decision-making due to its discretionary capital and is not regulated by the Financial Conduct Authority. Its products suit experienced property investors and developers requiring rapid funding for acquisitions, renovations, or developments. For a wider perspective, see our financing options and lenders overview.

Key Features of Henley Finance

Henley Finance's offerings include various short-term, secured property finance solutions with fast turnaround and flexible terms. It maintains direct communication channels and accommodates a range of structures.

Direct access to senior underwriters enables tailored structuring and quick decisions as explained in our short-term business finance guide.
Indicative terms usually issued within hours, supporting rapid funding as detailed in our quick business finance overview.
Online enquiry form with document upload capabilities simplifies application; see our online enquiry form.
Interest payment options include retained, rolled-up, or serviced, allowing cashflow management; refer to our interest payment explanations.
Finance available to individuals, partnerships, LLPs, SPVs and offshore entities (with UK legal advice); review entity eligibility in our business loan eligibility guide.

Funding Eligibility

You may qualify for Henley Finance products if you are a professional property investor, developer, or property business operating within England or Wales. The lender typically does not require formal minimum trading history but prefers relevant experience, especially for development and refurbishment loans. Excluded sectors include regulated owner-occupied residential lending and specialised sectors like care homes. See our loan qualification guide and lending tools for more information on eligibility.

Loan Options

Henley Finance offers several short-term property loan products tailored to bridging, refurbishment, development, and exit finance needs. These typically have loan terms up to 24 months and require secured property charges.

Standard Bridging Loan (1st Charge): £100,000 to £10,000,000, terms from 3 to 18 months, interest between 0.70% and 1.30% per month. Suitable for residential, commercial and mixed-use properties in England and Wales.
Auction Finance: £100,000 to £5,000,000, terms from 1 to 12 months, monthly rates between 0.75% and 1.35%. Provides pre-approved funding certificates and fast completions on auction purchases.
Light & Heavy Refurbishment Finance: £100,000 to £7,500,000, 6 to 18 months terms, interest 0.75% to 1.25% monthly. Funds up to 100% of works costs with staged drawdowns.
Property Development Finance (Ground-Up): £500,000 to £10,000,000, terms up to 24 months, interest approximately 8.50% to 11.50% per annum rolled up. Designed for experienced developers funding build costs up to 100%.
Developer Exit / Sales Period Bridge: Loan amounts from £250,000 to £7,500,000, 3 to 12 months term, monthly rates from 0.65% to 1.10%. Tailored for completed developments ready for sale.
Second Charge Bridging Loan: £250,000 to £2,500,000, terms 3 to 12 months, interest between 0.90% and 1.50% monthly. Enables equity release without redeeming existing senior loans.

How to Apply

Applications can be made via an online enquiry or through a broker. Henley Finance aims to provide indicative terms within a few hours and to complete funding rapidly where possible.

Submit an online enquiry form including property details and valuation via our online enquiry form.
Provide necessary documents such as schedule of works, exit strategy, company structure, and identification. See our document checklist.
Receive indicative terms within 2 to 4 hours; a formal credit-backed offer typically follows within 24 to 48 hours after full information review.
Complete legal formalities offline with support from Henley Finance's in-house legal panel to expedite closing.

Funding Agent's view on Henley Finance

Henley Finance serves a specialised segment of the UK property finance market with short-term, secured loans suited to experienced investors and developers needing fast capital. Its discretionary private funding allows flexible structuring and quick decisions. However, the reliance on security, mandatory personal guarantees, relatively high rates, fees, and absence of FCA regulation limit its appeal for longer-term borrowers and mainstream SMEs. For a balanced financing approach, consult our comparison tools and check your eligibility.