The Decisive Bank.

Get answers you won’t doubt. Speak to us about your client’s next project to get a yes you can count on or a no that won’t string you along.

What we do.

Bridging loans.

Commercial mortgages.

Never maybe.

Brokers, you’ve enough uncertainty to deal with. The bank you go to shouldn’t add to that. We’ll only give you reliable answers. If it’s a yes it’s a yes. If it’s a no, you’ll know. That way you can move forward, without being weighed down by doubt and indecision.

Proof.

£1.75m for Teesside manufacturer.

We supported a North East England manufacturer with a bridging loan at 70% LTV, on a 12-month term. It settled a deferred payment and supported the company’s expansion. Where other lenders couldn’t, we got the job done when traditional funding routes were restricted.

£700k bridging 

for refinance.

£700k bridging
for refinance.

Bridging for a commercial landlord, used to refinance an existing facility. Done in just 18 days from approval. The six month loan, at 54% LTV, was secured against a plot of workshops and storage buildings. The refinance formed an exit strategy. Our broker from Intimate Finance noted the need for a lender that would take a “clear and structured view”. We did.

£4.14m bridging
for property folio.

A 10 month loan completed at 75% LTV for a residential investor and developer. Three separate loans needed to be redeemed at once for the refinance to complete. Multiple moving parts meant being flexible. Tight deadlines meant working with brokers to fast-track valuations to sort legals, all with the borrower being overseas. We got it done.

£1.96m for

student homes.

A commercial loan to refinance and push forward the development of Aberdeen homes. The borrower had acquired a former office building, securing planning to convert the space into 52 studios. Timing was critical, but we acted to tight deadlines to complete the deal. “The team were clear, responsive and pragmatic”, said our broker from Portway Finance.

£1.75m for Teesside manufacturer.

We supported a North East England manufacturer with a bridging loan at 70% LTV, on a 12-month term. It settled a deferred payment and supported the company’s expansion. Where other lenders couldn’t, we got the job done when traditional funding routes were restricted.

£700k bridging 

for refinance.

£700k bridging
for refinance.

Bridging for a commercial landlord, used to refinance an existing facility. Done in just 18 days from approval. The six month loan, at 54% LTV, was secured against a plot of workshops and storage buildings. The refinance formed an exit strategy. Our broker from Intimate Finance noted the need for a lender that would take a “clear and structured view”. We did.

£4.14m bridging
for property folio.

A 10 month loan completed at 75% LTV for a residential investor and developer. Three separate loans needed to be redeemed at once for the refinance to complete. Multiple moving parts meant being flexible. Tight deadlines meant working with brokers to fast-track valuations to sort legals, all with the borrower being overseas. We got it done.

£1.96m for

student homes.

A commercial loan to refinance and push forward the development of Aberdeen homes. The borrower had acquired a former office building, securing planning to convert the space into 52 studios. Timing was critical, but we acted to tight deadlines to complete the deal. “The team were clear, responsive and pragmatic”, said our broker from Portway Finance.

Wait less.

Get on with what matters with faster, more reliable decisions, backed by experts.

Contact us, brokers.

If you want your next deal to be handled with certainty, get
in touch. Fill in your details. We’ll call or email.

Steve Pateman
Independent Non-executive Director

Steve has had an extensive executive career in banking, leading corporate and commercial banking businesses at RBS/NatWest, managing Santander’s UK banking businesses and as CEO of Shawbrook Bank, Hodge Banking Group and successfully leading the banking licence application for StreamBank.

He is the Chair of Bank of Ireland and an INED at Bank of Ireland Group and Bank of Ireland Mortgage Bank. He was previously President of the Chartered Banker Institute and holds advisory roles with Kingsley Healthcare and Black Lion Ventures.

Steve took up the role of Chair at Recognise Bank in November 2024, having served as an Investor Non-executive Director since January 2024.