Hope Capital Property Finance Strengthens its Residential Proposition with Enhanced Pricing and Flexibility

01 July 2026

Hope Capital Property Finance has strengthened its residential proposition, refining pricing and increasing flexibility for brokers as funding efficiencies continue to support its disciplined lending strategy.

The specialist lender has reduced its standard residential rate at 75% LTV from 0.85% to 0.82%, reflecting efficiencies generated through its funding structure, and has also increased the dual legal representation threshold from £750,000 to £1 million across England, Wales and now Scotland.

The enhancement applies across the residential range, including Dual+, the lender’s fast-track solution designed for borrowers requiring rapid funding for residential purchases, refinancing, capital raises, and cosmetic light refurbishments.

Dual+ is supported by a dedicated packaging team and sales specialists. Valuation is undertaken at enquiry stage to support earlier credit decisions. Legal work is progressed through established dual legal representation arrangements to reduce cost and completion times. This early assessment approach enables faster, more accurate decisions and improves deal progression confidence.

Kim Parker, Director of Lending Operations and Commercial Strategy at Hope Capital Property Finance, said:

“This is a clear reflection of the strength and stability of our funding structure. It lets us pass operational efficiency through to pricing, while maintaining the discipline and consistency that underpin our lending approach.

Brokers are not just looking for competitive pricing; they are looking for reliability. Our focus is on delivering both, with a proposition that performs consistently across a wide range of scenarios.”

Laura Carr, Director of Underwriting, Compliance and Stakeholder Relations, added:

“The enhancement to Dual+ in Scotland, increasing the dual legal representation threshold from £750,000 to £1 million, is a meaningful operational improvement for brokers. It reduces friction on mid-sized transactions and creates a smoother, more efficient completion process for clients, while maintaining the robust standards we apply across all cases.”

Hope Capital Property Finance’s residential bridging proposition continues to support light, medium, and heavy refurbishment projects, with lending available up to 70% LTGDV and loan sizes from £50k to £5 million.

Key features include:

Residential bridging loans available for purchase, refinance & capital raise with works
75% LTV at 0.82% on light, medium and heavy works
70% LTGDV
Loans from £50k - £5m
Up to 100% build costs covered
Works can be forwarded funded throughout the loan term
Refurbishment funds are released on the same day the monitoring agent’s report is received, whether conducted remotely or in person
Potential to qualify for an instant valuation at no cost to the borrower
Desktop valuations within 48 hours
Full title insurance
No upfront legal undertaking available up to £1m
Dual representation available up to £1m 
No exit fees 
Flexible payment options
3-18 month term
Up to 100% purchase price is available with additional security as a 1st or 2nd charge
Electronic KYC & AML verification

With secured fixed-rate solutions available, Hope Capital Property Finance continues to provide brokers and borrowers with confidence, flexibility, and consistency across its residential offering, underpinned by a strong and stable funding structure.

To find out more about Hope Capital Property Finance and its extensive product range call 0151 523 5998 or email: newdeals@hope-capital.co.uk 