Hope Capital Property Finance Enhances Bridging Proposition with Greater Flexibility for Brokers

20 July 2026

Building on recent enhancements to its residential proposition, expanded institutional funding capacity and reduced Max Net pricing, Hope Capital Property Finance has introduced a further raft of criteria improvements designed to provide brokers with greater flexibility, faster completions and a more streamlined lending experience across its wider specialist lending offering.

The latest enhancements focus on widening access to key features, simplifying processes and supporting more borrowers through a broader range of lending scenarios.

Key enhancements include:

Below market value transactions: Hope Capital will now consider lending up to 75% of Open Market Value (OMV), subject to full valuation
Instant valuations: Available on qualifying residential cases up to £1 million, doubling the previous £500,000 limit and helping to accelerate completion times
Dual legal representation: The threshold has increased from £750,000 to £1 million, with dual representation now also available in Scotland
Refurbishment funding: Works can now be forward funded in refurbishment tranches, providing greater flexibility around project cash flow while maintaining appropriate monitoring controls.
Minimum loan size: Reduced from £100,000 to £50,000, opening the proposition to a wider range of borrowing requirements

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

“These enhancements represent a further step in our exciting journey as we continue to evolve our proposition and deliver greater value, flexibility and certainty for brokers and borrowers.

“By combining competitive rates with improved criteria and a range of key features, we are making it easier for borrowers to access the funding they need and complete their projects with confidence.

“Our proposition continues to provide practical solutions for the specialist property market, including up to 100% of build costs covered, full title insurance, no upfront legal undertaking, dual representation available up to £1 million and no exit fees. These latest enhancements demonstrate our ongoing commitment to listening to brokers, removing barriers and creating a proposition that supports more successful outcomes.”

Kate Cowan, Chief Financial and Operating Officer at Hope Capital Property Finance, added:

“Underpinning these improvements is the strength and stability of our funding structure, which continues to support our ability to develop our proposition as the market evolves. We remain focused on listening to broker feedback and identifying opportunities to enhance the service and solutions we provide.

“With the strength of our new funding lines and further internal operational efficiencies, we have been able to pass on savings to borrowers while maintaining our disciplined, consistent lending approach.”

The enhanced proposition is available on loan amounts from £50,000 to £5 million, across England, Wales and Scotland, for terms of 3 to 18 months.

Updated pricing includes:

Residential including light, medium and heavy refurbishment cases: 75% LTV at 0.82% (reduced from 0.85%)
Max Net residential deals: 75% LTV at 0.87% (reduced from 0.89%)
Max Net semi-commercial: 70% LTV at 0.89% (reduced from 0.99%)
Max Net commercial: 70% LTV at 0.92% (reduced from 0.99%)

The enhancements underline Hope Capital’s continued commitment to providing flexible, practical funding solutions for brokers and property professionals across the specialist lending market.

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 