Cohort Capital
Specialist LenderCohort Capital is a specialist bridging finance provider based in London, offering short-term property loans for acquisitions, refinancing, and capital-raise transactions. The lender is distinguished by its collaborative approach to underwriting and its focus on building long-term relationships with intermediaries.
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About Cohort Capital
Cohort Capital was founded on the belief that bridging finance works best when lenders and intermediaries operate as genuine partners. The firm takes a collaborative approach, working closely with brokers from the initial enquiry stage to ensure that deals are structured correctly and progress smoothly through to completion.
The lender provides first-charge bridging loans secured against residential and commercial property across England and Wales. Cohort Capital serves experienced investors, landlords, and property companies who need short-term finance for purchases, refinancing, or raising capital against existing property assets.
Cohort Capital works exclusively through intermediaries and has developed a reputation for reliable execution and consistent communication. The lender uses a blend of proprietary and third-party capital, and its credit decisions are made by an experienced team with deep knowledge of the UK property market.
Lending Focus
Cohort Capital offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Collaborative underwriting approach working closely with brokers
- First-charge bridging on residential and commercial assets
- Focus on long-term intermediary relationships and partnership
- Experienced credit team with deep UK property market knowledge
- Suitable for acquisition, refinance, and capital-raise transactions
Pros & Cons
Pros
- Genuinely collaborative approach to working with intermediaries
- Consistent communication and reliable execution
- Experienced credit team that understands property investment
- Strong emphasis on building long-term partnerships with brokers
Cons
- –Broker-only — cannot approach directly
- –No development finance available
- –Limited to England and Wales
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value
- Early Repayment Charge
- No ERC — interest on full term or minimum period
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Cohort Capital
Application Process
- Processing Time
- 2–3 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 Cohort Capital mean by a collaborative approach?
What types of property does Cohort Capital lend against?
Does Cohort Capital offer development finance?
How long do Cohort Capital bridging loans take to complete?
How to Apply
Broker only. Cohort Capital products are available through mortgage brokers. Find a broker with Cohort Capital 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.