Recognise Bank
Challenger BankRecognise Bank is a challenger bank focused on commercial property lending, development finance, and bridging loans for UK SMEs and property professionals. As a PRA-regulated bank, they combine the flexibility of specialist lending with the stability of a deposit-taking institution.
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Lending Focus
Recognise Bank offers mortgage products across 4 categories including Commercial, Bridging, Development and 1 more.
Key Features
- PRA-regulated challenger bank status
- Commercial mortgage lending for SMEs
- Development and bridging finance for property professionals
- Relationship-based underwriting approach
- Broker-only distribution with dedicated support
Pros & Cons
Pros
- PRA-regulated challenger bank — combines specialist flexibility with bank stability
- Offers bridging, development, and commercial lending in one place
- Relationship-based underwriting for tailored decisions
- Focused on SMEs and property professionals
Cons
- –Broker-only — no direct access for borrowers
- –Very new bank — established 2020 with limited track record
- –No residential mortgage products
Fees & Charges
Arrangement Fee
Typically 1.5–2% of the loan amount for bridging; varies for commercial
Valuation Fee
Varies by property value — instructed upon application
Early Repayment Charge
No ERC on bridging products — ERCs apply on term lending
Overpayment Allowance
No restrictions on bridging — term products vary
Mortgage Rates
Rate data coming soon
We're working on adding live mortgage rate information for Recognise Bank. In the meantime, visit their website for the latest rates.
View rates on Recognise BankApplication Process
Processing Time
2–4 weeks for bridging; 4–8 weeks for commercial term loans
Online DIP
No — via broker or branch
Offer Valid For
4–6 weeks from date of offer
Lending Criteria
Frequently Asked Questions
Is Recognise Bank regulated?
Does Recognise Bank offer bridging loans?
Can I apply directly to Recognise Bank?
What types of borrowers does Recognise Bank serve?
How to Apply
Broker Only
Recognise Bank products are only available through mortgage brokers. Use our broker directory to find a broker with Recognise Bank on their lender panel.
Contact Information
Need a Recognise Bank Broker?
Find FCA-regulated mortgage brokers who have Recognise Bank on their lender panel.
Find a BrokerRegulatory Status
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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.