Kuflink
Specialist LenderKuflink is a Kent-based specialist lender offering bridging finance and development loans, funded through a peer-to-peer investment platform. Kuflink combines fintech innovation with property lending, providing fast bridging solutions for investors and developers across England and Wales.
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About Kuflink
Kuflink is a specialist property lender headquartered in Gravesend, Kent, offering bridging finance and development loans funded through its peer-to-peer investment platform. Founded with a mission to connect property borrowers with investors seeking secured returns, Kuflink has grown to become a notable player in the alternative lending space. The lender operates across England and Wales.
Kuflink provides first charge bridging loans for property purchases, refinances, and light refurbishment projects. The lender also offers development finance for smaller-scale residential projects. Kuflink's peer-to-peer funding model enables competitive pricing while maintaining speed of execution. The lender has an in-house credit team that assesses each case individually.
Kuflink works with both brokers and direct borrowers, making it one of the more accessible specialist bridging lenders in the market. The lender is FCA-authorised and regulated. Kuflink has funded hundreds of property transactions and continues to grow its lending book through its technology-driven platform.
Lending Focus
Kuflink offers mortgage products across 4 categories including Commercial, Bridging, Development and 1 more.
Key Features
- Bridging loans funded through peer-to-peer investment platform
- Development finance for smaller residential projects
- Available direct and through intermediaries
- In-house credit team with individual case assessment
- Covers England and Wales for residential and commercial security
Pros & Cons
Pros
- Accepts direct applications as well as broker-introduced cases
- Peer-to-peer funding model enables competitive pricing
- Offers both bridging and development finance
- FCA-authorised with transparent lending criteria
Cons
- –Peer-to-peer funded — may have capacity constraints during high demand
- –Geographic coverage limited to England and Wales
- –Maximum LTV of 75% may not suit borrowers needing higher leverage
Fees & Charges
- Arrangement Fee
- Typically 1.5–2% of the loan amount
- Valuation Fee
- Varies by property value — arranged through approved panel
- Early Repayment Charge
- No ERC on most bridging products — exit at any time
- Overpayment Allowance
- No restrictions — early repayment permitted
Mortgage Rates
Rate data coming soon. View rates on Kuflink
Application Process
- Processing Time
- 1–3 weeks from application to completion
- Online DIP
- Yes — available online
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Is Kuflink a peer-to-peer lender?
Can I apply directly to Kuflink for a bridging loan?
Does Kuflink offer development finance?
Where does Kuflink lend?
How to Apply
Direct & broker access. Apply directly or via a broker for whole-of-market access. Find a broker
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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.