Funding the bricks and the build.

Property finance is a broad category. At Bedrock it covers four main facility shapes: development finance for ground-up build and refurbishment, bridging for short-term acquisition or chain-break, term commercial mortgages for owner-occupied premises, and investment loans secured against rental property portfolios.

Each shape has its own underwriting lens. Developers face GDV and build-cost scrutiny. Bridging is priced on exit certainty. Commercial mortgage rates turn on covenant strength and the loan-to-value at completion. We match the facility to the deal context, not the other way around.

We have not built our panel around any one lender or product type. The market for UK property finance shifts constantly as challenger banks and specialist funds enter and leave segments. Whole-of-market access matters more here than almost anywhere else.