About Greenfield Bridging
A lender you can actually get hold of
We have been lending against property since 2009 and we still do it the same way: the person you speak to is the person who looks at your case, and you get a straight answer either way. Bridging loans of £75,000 to £3m+ throughout England and Wales, funded from our own balance sheet and long-term committed funds.
- Since 2009
- lending against property
- England & Wales
- residential and commercial
- £75k – £3m+
- loan sizes considered
- FCA authorised
- for regulated bridging
Who we are
Greenfield Bridging, part of Greenfield Mortgages (Holdings) LtdGreenfield Bridging have been lending since 2009 and have a wealth of experience in short term bridging lending, so we bring many years of successfully helping clients to achieve their goals. Our reputation with our large panel of professional introducers has been built upon simple values like giving committed decisions and delivering on our promises. People like our openness and honesty.
We operate throughout England and Wales, and lend against both residential and commercial property. FCA regulated and unregulated loans are available, and we consider first and second charge security.
Our bridging lending was originally funded through our shareholders. Today our funding comes from a combination of family office and institutional long term, committed funds under management and our own balance sheet. That matters more than it sounds: it means introducers and borrowers speak with genuine decision-makers, and it means we can commit to a case and see it through.
Underwriters, case managers and directors all sit together at Bank House in Birmingham. A case gets looked at properly, by the people who will fund it, and it moves quickly because nobody is waiting on a committee somewhere else.
What we stand for
Four things our introducers hold us toConsidered decisions
A yes we mean
We do not issue terms we are not prepared to fund. A yes comes from the person who will underwrite the case, with the funding behind it. What a valuation, title or search turns up can still change a case — if it does, you hear it from us straight away, and you hear why.
Delivering on promises
To the date we gave you
Bridging exists because of deadlines — an auction, a chain, a facility running out. We work to the date in the diary and tell you early if anything threatens it.
Openness and honesty
A straight answer either way
If a case does not work for us we say so quickly, and we say why. Nobody benefits from a maybe that runs for three weeks and then turns into a no.
Access to decision-makers
No committee, no call centre
Our underwriters and directors are in the same building and take their own calls. You can put a difficult case to the person who will actually underwrite it.
Every case is underwritten on its own merits and remains subject to valuation, title and our usual checks. Terms, speed and loan size depend on the security, the exit and the paperwork available.
One building, one team, one decision
Bank House on Cherry Street is the whole company. Business development, underwriting, case management, finance and the directors are all in the same building, which is why a question asked at eleven usually has an answer by twelve.
Bank House, 8 Cherry Street, Birmingham B2 5AL
Monday to Friday, 9am – 5pm
0800 779 7097 · 0121 233 1188
Our history
Seventeen years, eight milestones- 2009Greenfield established and first started lending shareholder funds.
- 2011Our Guernsey fund was launched.
- 2013The FCA gave us authorisation to conduct regulated lending.
- 2015Our high net worth fund was partnered.
- 2016We widened our funding lines to include private investment.
- 2019Our family office fund was partnered.
- 2022An institutional debt fund was partnered and has since been widened.
- 2024New Greenfield Bridging brand launched.
Where the money actually comes from
That history matters for one reason: it left us funded from five places at once rather than one. All of it is long term and committed rather than raised deal by deal, which is why a decision given in an hour still stands at completion, provided the case turns out as described — and why we can hold a case that takes longer than anybody expected.
Shareholder funds
Where the lending started in 2009, and still part of the mix today.
A family office fund
Patient capital, committed for the long term rather than the quarter.
An institutional debt fund
Our largest single line, and one we have widened since it was put in place.
Private investment
Private investors who have backed our lending for years, committed for the long term.
Our own balance sheet
We lend our own money into the same cases, on the same terms as everyone else.
What it means for your case
Committed funding is why we can commit too. It is also why we would rather decline quickly than string a case along for three weeks and then pull out.
Investor enquiries: investors@greenfieldbridging.com
Questions people ask us
Tap any to read the answerThe things borrowers and brokers ask before they send us a case. If yours is not here, the office line is answered by the lending team rather than a switchboard.
A lender. We underwrite, fund and administer the loan ourselves, from our own balance sheet and from committed funds under our management. There is no third party to refer your case on to.
Both regulated and unregulated bridging loans are available. The FCA gave us authorisation to conduct regulated lending in 2013. Whether a particular loan is regulated depends on the property and the purpose, and we will tell you which yours is at the outset.
Residential and commercial property in England and Wales, on a first or second charge. Property that no high street lender will touch today — no kitchen, no bathroom, a short lease — is often exactly the kind of case bridging is for.
Decisions normally come within the hour. Funds can be released in as little as seven days, though that needs the valuation, the legals and everyone on the other side to run like clockwork — it is what we can do at a push rather than the usual timetable. The honest limit is almost always somebody else's paperwork, not our funding.
Our underwriters and directors, sitting in Birmingham. There is no credit committee elsewhere in the country and no overnight referral. You can speak to the decision-maker before you send the case in.
Extensively. We have a large panel of professional introducers, and our reputation with them is the reason most of our business arrives. Business development managers cover the country and can be on a call with your client the same day.
Shareholder funds, a family office fund, an institutional debt fund, private investment and our own balance sheet. All of it long term and committed, which is what lets us hold to a decision once it is given.
To give an indication: the property, the amount, what the money is for and how the loan will be repaid. That is usually a five-minute phone call, and it is enough for us to tell you whether it is worth going further.
Request a callback
Three fields. One phone call.
Leave your number and we will call you back the same working day, whether you are the borrower or the broker. If you would rather talk now, the office line is answered by the lending team.
Think carefully before securing other debts against your home. Your home may be repossessed if you do not keep up repayments on a mortgage or any other debt secured on it.