We fund Property Loans from £50,000.

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About Breeze Capital

You deal with the
people who decide.

Breeze Capital is an independent property lender based in Peterborough, covering England and Wales, with bridging also available in Scotland. When you bring us a case, you deal directly with the underwriter who decides it and hear back within hours.



See what we fund

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Residential Finance

For landlords and investors buying or improving residential property, from an auction purchase to a light refurbishment. We’ll lend up to 75% on a bridge, or 85% on day one where there’s refurbishment work to fund alongside it.

Commercial Finance

For investors buying commercial or semi-commercial property, from a shop with flats above to a light industrial unit or an office, we lend up to 70% of value. These are rarely template deals, so we’ll get on the phone and work out how to make yours happen.

Property Development

For experienced developers, we fund 100% of the build costs on a ground-up scheme or heavy refurbishment, released in stages as the work goes up, and lend up to 70% of gross development value with a monitoring surveyor keeping each drawdown moving.

How it works

Bridging made a breeze

When you choose Breeze Capital, you get a named underwriter on your case from the first application who keeps the valuation and the legal work moving, and picks up the phone when you call.

View our Case Studies

Need to speak to an expert?

01244 565095

How it works

Speed

When a case qualifies for an automated or desktop valuation, there’s no need to wait for a physical inspection before things can move forward. For eligible residential properties valued up to £500,000, we can use an AVM, while desktop valuations may be available on loans up to £1m.

Below market value and portfolio cases still need a full valuation, and we’ll make that clear from the outset, so you know exactly what your case needs before it gets moving.

Below market value

A genuine discount should work for you or your client, not disappear into the deposit. Where they’re buying below market value we lend against the valuation rather than the price — so on a £300,000 purchase of a property worth £400,000, we can advance up to £285,000. That’s 95% of what you or your client pays, and still only 71% of what the property is worth, which is exactly why the deal works. We’ll want to understand why the property is selling below value, and every below market value case needs a full RICS valuation. Terms apply.

Making Your Money Go Further

On light refurbishment cases, we can lend up to 85% of the property’s value from day one, with 100% of the build costs funded as the work progresses. That can take the total loan up to 75% of GDV and, on the right deal, we’ll also consider up to 95% of the purchase price, leaving more of you or your client’s own cash available for whatever comes next.

Lending criteria

What we can fund

Information Hub

We fund residential and commercial property that’s being bought or held as an investment, including light industrial. Residential bridging is also available in Scotland, while our wider lending covers England and Wales.
Found a good deal? We can size the loan against the valuation, which can leave more of your client’s cash free for the next move. They’ll need to contribute at least 5% themselves, and every below market value case will need a full RICS valuation.
Our lending starts at £50,000 and goes up to £1.8m, with a first legal charge over the property. If the case sits somewhere in that range, send it over and we’ll tell you quickly whether it works for us.
Your client will need to own their own home or at least one other investment property alongside the one we’re funding. If this would be their first property altogether, we won’t be able to help on this one.
As a non-regulated lender, we only fund property for investment. If your client or one of their relatives has lived there before, or plans to live there, the deal won’t fit our criteria.
We require a personal guarantee as part of every loan. You’ll know that from the outset, along with anything else we need from your client, rather than finding it buried further down the process.
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Need to speak to an expert?

Got a deal that needs a conversation? Bring us the detail and we’ll tell you whether it looks like one for Breeze.

Contact Us