PMJ Capital
Specialist LenderPMJ Capital is a London-based bridging lender providing short-term property finance for residential and commercial transactions. The lender offers a personalised service with experienced principals who are directly involved in lending decisions.
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About PMJ Capital
PMJ Capital is a specialist bridging lender headquartered in London, providing short-term property finance with a highly personalised approach. The lender was founded by experienced property and finance professionals who wanted to bring a more personal, principal-led approach to bridging. PMJ Capital's decision-makers are directly involved in each transaction, which enables faster decisions and greater flexibility.
PMJ Capital offers first charge bridging loans for residential and commercial property across England and Wales. The lender covers purchases, refinances, and refurbishment projects. PMJ Capital is particularly suited to borrowers who value direct engagement with the people making lending decisions, rather than dealing with layers of intermediaries within a large organisation.
PMJ Capital operates through broker partners and has earned a loyal following for its hands-on, principal-led service model. The lender is known for making quick decisions and being willing to look at deals that may not fit neatly into standardised criteria. PMJ Capital prides itself on flexibility and responsiveness.
Lending Focus
PMJ Capital offers mortgage products across 3 categories including Commercial, Bridging, Limited Company.
Key Features
- Principal-led lending with decision-makers directly involved
- First charge bridging on residential and commercial property
- Flexible approach to non-standard transactions
- Quick decisions without layers of internal approval
- Personalised service throughout the deal lifecycle
Pros & Cons
Pros
- Principal-led — decision-makers are directly involved in each deal
- Quick decisions without bureaucratic approval layers
- Flexible approach to deals that do not fit standardised criteria
- Personalised, hands-on service model
Cons
- –Broker-only — no direct applications from borrowers
- –Maximum LTV of 70% is lower than some competitors
- –Smaller scale may limit capacity for very large loans
Fees & Charges
- Arrangement Fee
- Typically 2% of the loan amount
- Valuation Fee
- Varies by property value — arranged at application stage
- Early Repayment Charge
- No ERC — can exit at any time
- Overpayment Allowance
- No restrictions — full early repayment permitted
Mortgage Rates
Rate data coming soon. View rates on PMJ Capital
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
- 70%
Frequently Asked Questions
What does principal-led lending mean at PMJ Capital?
Does PMJ Capital consider non-standard deals?
What is the maximum LTV for PMJ Capital bridging loans?
How quickly can PMJ Capital complete a bridging loan?
How to Apply
Broker only. PMJ Capital products are available through mortgage brokers. Find a broker with PMJ 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.