Pivot
Specialist LenderPivot is a London-based specialist bridging lender offering fast, flexible short-term property finance. The lender is designed for experienced property professionals who need reliable bridging solutions with competitive terms and rapid execution.
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About Pivot
Pivot is a specialist bridging lender headquartered in London, providing fast, flexible short-term property finance for experienced investors and developers. The lender was founded with a modern approach to bridging, combining competitive pricing with a technology-enhanced process designed to reduce friction and accelerate completions. Pivot focuses on delivering a superior lending experience.
Pivot offers first charge bridging loans secured against residential and commercial property across England and Wales. The lender covers a range of scenarios including purchases, refinances, auction purchases, and light refurbishments. Pivot's underwriting team is experienced in assessing complex deals quickly and providing clear, competitive terms.
Pivot operates through broker partners and has quickly established itself as a respected name in the bridging market. The lender differentiates itself through a combination of speed, competitive pricing, and a modern service experience. Pivot aims to be the first-choice bridging lender for brokers who value reliability and efficiency.
Lending Focus
Pivot offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Modern bridging lender with technology-enhanced processes
- Competitive pricing with rapid execution
- First charge bridging on residential and commercial property
- Covers purchases, refinances, auctions, and light refurbishments
- Experienced underwriting team for complex deal assessment
Pros & Cons
Pros
- Competitive pricing driven by modern, efficient operating model
- Technology-enhanced process reduces friction and accelerates completions
- Experienced underwriting team handles complex deals quickly
- Growing reputation for reliability and service quality
Cons
- –Broker-only — no direct access for borrowers
- –Newer lender with less established track record
- –No development finance or second charge products
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — quoted at application stage
- Early Repayment Charge
- No ERC — exit at any time without penalty
- Overpayment Allowance
- No restrictions — full early repayment permitted
Mortgage Rates
Rate data coming soon. View rates on Pivot
Application Process
- Processing Time
- 1–3 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
What makes Pivot different from other bridging lenders?
Can Pivot fund auction purchases?
Does Pivot offer development finance?
How quickly can Pivot complete a bridging loan?
How to Apply
Broker only. Pivot products are available through mortgage brokers. Find a broker with Pivot 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.