Phoenix Funding
Specialist LenderPhoenix Funding is a London-based bridging finance provider offering short-term property loans for residential and commercial assets. The lender specialises in delivering fast, flexible bridging solutions for property investors and developers requiring capital for time-critical transactions.
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About Phoenix Funding
Phoenix Funding is a specialist bridging lender based in London, providing short-term property finance for investors and developers across England and Wales. The lender was established to meet the demand for fast, reliable bridging finance in a market where speed and certainty are paramount. Phoenix Funding focuses on residential and commercial property transactions.
Phoenix Funding offers first charge bridging loans for acquisitions, refinances, chain-break scenarios, and light refurbishment projects. The lender takes a practical approach to underwriting, assessing each deal on its merits and working collaboratively with brokers to find workable solutions. Phoenix Funding is particularly adept at handling cases where timing is critical.
Phoenix Funding operates through broker partners and prides itself on straightforward communication and dependable delivery. The lender has grown by building trust with intermediaries through consistent service and follow-through on commitments. Phoenix Funding aims to be a reliable funding partner for brokers managing time-sensitive property transactions.
Lending Focus
Phoenix Funding offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- First charge bridging for residential and commercial property
- Specialist in time-critical transactions and chain-break scenarios
- Practical underwriting with collaborative broker approach
- Straightforward communication and dependable delivery
- Covers England and Wales
Pros & Cons
Pros
- Strong track record with time-critical transactions
- Collaborative approach — works with brokers to find solutions
- Dependable delivery and consistent follow-through on commitments
- Practical underwriting focused on deal viability
Cons
- –Broker-only — no direct access for borrowers
- –No development finance — bridging only
- –Smaller lender with less market presence than established names
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value
- Early Repayment Charge
- No ERC on standard bridging products
- Overpayment Allowance
- No restrictions — can repay at any time
Mortgage Rates
Rate data coming soon. View rates on Phoenix Funding
Application Process
- Processing Time
- 2–3 weeks from application to completion
- Online DIP
- No — via broker or branch
- Offer Valid For
- 4 weeks from date of offer
Lending Criteria
- Maximum LTV
- 75%
Frequently Asked Questions
Can Phoenix Funding help with chain-break scenarios?
What types of property does Phoenix Funding accept as security?
How quickly can Phoenix Funding complete?
Does Phoenix Funding lend to limited companies?
How to Apply
Broker only. Phoenix Funding products are available through mortgage brokers. Find a broker with Phoenix Funding 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.