BIG Property Finance
Specialist LenderBIG Property Finance is a specialist lender offering bridging loans and development finance across the UK. The firm takes a principal lending approach, making credit decisions in-house and funding from its own balance sheet, allowing for rapid turnarounds on time-critical property transactions.
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About BIG Property Finance
BIG Property Finance was established to serve property investors and developers who need fast, reliable funding backed by in-house decision-making. The lender operates as a principal lender, meaning it funds directly from its own balance sheet rather than relying on third-party credit lines or syndication.
The firm offers bridging loans for acquisitions, refinance, auction purchases, and chain breaks, alongside development finance for refurbishment, conversion, and ground-up construction projects. BIG Property Finance serves borrowers across England, Wales, and Scotland, with a particular strength in London and the South East.
BIG Property Finance is broker-only and has developed a network of trusted intermediary relationships. The lender values transparency and efficiency, providing clear terms and timely updates throughout the lending process. Its balance-sheet lending model means fewer stakeholders in each transaction, resulting in faster completions.
Lending Focus
BIG Property Finance offers mortgage products across 4 categories including Commercial, Bridging, Development and 1 more.
Key Features
- Principal lender funding from its own balance sheet
- Bridging loans and development finance under one roof
- In-house credit decisions for faster processing
- Lends across England, Wales, and Scotland
- Development finance with staged drawdowns for refurb and ground-up
Pros & Cons
Pros
- Balance-sheet lending means fewer delays and faster decisions
- Both bridging and development finance available from one lender
- In-house credit committee enables rapid turnarounds
- Lends across England, Wales, and Scotland
Cons
- –Broker-only — no direct consumer applications
- –Does not lend in Northern Ireland
- –Minimum loan sizes may exclude smaller transactions
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value and type
- Early Repayment Charge
- No ERC — minimum interest period may apply
- Overpayment Allowance
- No restrictions — repayment accepted at any time
Mortgage Rates
Rate data coming soon. View rates on BIG Property Finance
Application Process
- Processing Time
- 1–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 6 weeks
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
What does it mean that BIG Property Finance is a principal lender?
Does BIG Property Finance offer development finance?
Where does BIG Property Finance lend?
How quickly can BIG Property Finance complete a bridging loan?
How to Apply
Broker only. BIG Property Finance products are available through mortgage brokers. Find a broker with BIG Property Finance on their panel.
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Important: Your home may be repossessed if you do not keep up repayments on your mortgage. Information on this page is for general guidance only and does not constitute financial advice. Always verify lender details directly and seek independent advice before making financial decisions.